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21 pgs

AWARENESS ABOUT OUR BANKEMERGING TRENDS IN BANKING & BPG 2011-12

AWARENESS ABOUT OUR BANK 

Brief History:

BOB has history of or! tha" 10# y!ars$ !sta%ish!' o" 20-0(-1)0*+

Sir+ Mahara, Saya,irao Gaya.a'-III fo/"'!' th! Ba"+

Th! Ba" a'! a h/%! %!i""i" i" 1)0* i" a sa %/i'i" i" Baro'a+

O" 20th /y 1)0* Ba" of Baro'a iit!' .as r!ist!r!' /"'!r th! Baro'a

3o4a"i!s A5t of 1*)($ .ith a a/thori6!' 5a4ita of Rs+20 a5s a"' 4ai' /4

5a4ita of Rs+ 10 a5s+

Soo" aft!r !sta%ish!"t$ th! Ba" !7t!"'!' its o4!ratio"s to thr!! oth!r

5o!r5ia 5!"t!rs of G/,arat "a!y$ S/rat$ M!hsa"a a"' Na8sari+

I" 1)1)$ th! Ba" 5ross!' th! stat! fro"ti!rs %y s!tti" /4 M/%ai Mai" Offi5!+

I" th! y!ar 1)#9 Ba" %!5a! a s5h!'/!' Ba"+

RBI i"5/'!' th! Ba" i" th! s!5o"' s5h!'/! of RBI a"' %ro/ht /"'!r 'ir!5t

5o"tro of RBI+

Th! first saf! '!4osit o5!rs .!r! 4ro8i'!' at Baro'a i" 1)#)+

At th! ti! of i"'!4!"'!"5! i" 1):($ Ba" of Baro'a .as a r!io"a %a" .ith

:* %ra"5h!s+

;o.!8!r$ it fo/"' a 4a5! i" I"'iaort/"! >i8!< ist of Ba"s+

TC, Baroda 1

http://var/www/apps/conversion/tmp/scratch_3/HYPERLINK%23_AWARENESS_ABOUT_OUR_BANKhttp://var/www/apps/conversion/tmp/scratch_3/HYPERLINK%23_AWARENESS_ABOUT_OUR_BANK

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As a"y as 10 %a"s ha8! %!!" !r!' .ith Ba" of Baro'a '/ri" its ,o/r"!y

so far?

;i"' Ba" t' @1)9*

N!. 3iti6!" Ba" of I"'ia t' @1)1

S/rat Ba"i" 3or4oratio" @1)#

Tai Na'/ 3!"tra Ba" @1):

U%!rao" P!o4! Ba" @1):

Tra'!rs Ba" iit!' @1)**

Bar!iy 3or4oratio" Ba" t' @1))*

B!"ar!s Stat! Ba" t' @2002

So/th G/,arat o5a Ar!a Ba" t' @200:

M!o" 3o-o4!rati8! Ba" t'+ @2011

Board Of Directors

1+ Shri S+S+ M/"'ra ? 3haira" & Ma"ai"

Dir!5tor

2+ I Shri S/'hir K/ar ai"

IIShri Ra",a" Dha.a"

? E7!5/ti8! Dir!5tor

E7!5/ti8! Dir!5torIII Shri P+ Sri"i8as ? E7!5/ti8! Dir!5tor

#+ Shri Ao Nia ? Dir!5tor - Go8t+ Noi"!!

:+ Shri S/'arsha" S!" ? Dir!5tor - RBI Noi"!!

9+ Shri A,ay Math/r ? Dir!5tor+ Shri Ci"i K/ar Sa7!"a ? Dir!5tor

(+ Shri C+B+ 3ha8a" ? Dir!5tor

*+ - ? Dir!5tor

)+ Shri Satya D!8 Tri4athi ? Dir!5tor10

+

Shri Ma/i" Caish"a8 ? Dir!5tor

11

+

Shri S+S+ Bha"'ari ? Dir!5tor

12

+

Shri Ra,i% S!har Sahoo ? Dir!5tor

Mission Statement :

“To be a top ranking National Bank of International Standards

committed to agmenting stake !olders" #ale t!rog! concern$ care

and competence%&

Our Logo (Baroda Sun) :

• Ba" i"tro'/5!' th! !7isti" oo Baro'a S/" .+!+f th /"!$ 2009+

TC, Baroda 2

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• It 5o4ris!s 'o/%! =B< !tt!r fors that ho' th! rays of th! risi" S/"$ .!

5a this as Baro'a S/"+ Th! s/" is a r!4r!s!"tatio" of .hat o/r %a"

sta"'s for+ It is a sy%o of 'y"ais a"' o4tiis+

• Th! s/" is th! si"! ost 4o.!rf/ so/r5! of iht a"' !"!ry+ Its far

r!a5hi" rays 'is4! 'ar"!ss to i/i"at! !8!rythi" th!y to/5h+

•

Th! si"! 5oo/r$ 5o4!i" 8!riio" 4a!tt! @Pa"to"! 3o'! 1993 F3oo/r 5o%i"atio" RGB?299$)2$(2 i"'i5at!s ho4! a"' !"!ry a"'

i"'i5at!s that at Ba" of Baro'a$ .! s!! to %! th! so/r5! that .i h!4 a

o/r sta!ho'!rs r!ais! th!ir oas+

• To o/r 5/sto!r$ .! s!! to %! a o"! sto4$ r!ia%! 4art"!r .ho .i h!4

th! to a''r!ss 'iff!r!"t fi"a"5ia "!!'s+ To o/r !4oy!!s$ .! off!r

r!.ar'i" 5ar!!rs a"' to o/r i"8!stors a"' %/si"!ss 4art"!rs$ a7i/

r!t/r" o" th!ir i"8!st!"t+

1'ro(ect “N)*NI+,))N - Baroda Ne.t& :

A 5o4r!h!"si8! tra"sforatio" 4rora! 5a!' NACNIRMAAN has

a/"5h!' %y o/r Ba" for its 'o!sti5 o4!ratio"s o" 22 /"! 200)+ Th! Ba"has 4art"!r!' .ith M5i"s!y & 3o4a"y for this 4rora!$ .hi5h is

5!"t!r!' aro/"' o/r 5/sto!rs a"' o/r !4oy!!s$ a"' has t.o 5or!

!!!"tsF B/si"!ss Pro5!ss R!-!"i"!!ri" @BPR & Ora"i6atio"

R!str/5t/ri" @OR+

/!y Na#nirmaan0

1+ !ss ti! s4!"t o" r!atio"shi4 a"a!!"t a"' %/si"!ss '!8!o4!"t2+ o. /tii6atio" of t!5h"ooy

#+ To r!a5h at "o+1 ao" PSU Ba"s

:+ ;ih as4iratio"s9+ I" 4r!8io/s 20 y!ars$ %a"i" s!5tor /"'!r.!"t s!a 5ha"!s$ so$ it "!!'s

i!'iat! att!"tio" to r!ai" 4ro5!ss 5ha"!+

B'+ Bsiness 'rocess +eengineering3 - ,ain Ob(ecti#es

I4ro8!!"t i" %ra"5h 4ro'/5ti8ity o" sa!s

B!st-i"-5ass s!r8i5! !8!s for 5/sto!r '!iht

R!'!si" of fro"t a"' %a5 offi5! 4ro5!ss!s a"' ro!s to r!'/5! t/r"aro/"'

ti!

R!'/5tio" i" o4!rati" 5osts

Organi4ation restrctring - ,ain Ob(ecti#es

A44ro4riat! ora"i6atio" str/5t/r! a"' syst!s to s/44ort BPR a"' %! i" i"! .ith

f/t/r! %/si"!ss 4a"s$ at 5or4orat!$ 6o"a a"' r!io"a offi5!s & at %ra"5h!s

S/stai"a%iity of 5ha"! 4rora thro/h 5a4a%iity %/i'i"+

Na#nirmaan !a#ing 5 key elements:

1+ Si4ifi!' syst!s a"' 4ro5!ss!s at %ra"5h!s a"' oth!r offi5!s

2+ Wor'-5ass %a5 offi5!s to s/44ort %ra"5h o4!ratio"s#+ At!r"at! 3ha""! /sa!

TC, Baroda 3

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:+ R!'!fi"!' ora"i6atio" str/5t/r! a"' ro!s

9+ Trai"i" to Baro'ia"s for "!. ro!s

De#elopment 6+epositioning nder Na#nirmaan pro(ect:

Pro,!5t Na8"iraa" has ato!th!r 1* a5ti8iti!s 5o8!ri" %oth BPR & Ora"isatio"a

R!str/5t/ri"$ ai!' at tra"sfori" th! Ba"/rth!r 5!"traisatio" i"itiati8!s ar! /"'!r 4ror!ss to !"a%! th! Ba"

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,a(or tec!nology Initiati#es:

• As o" #1st D!5 2011$ th! Ba"

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Branc! Netork:

Do!sti5 Bra"5h!s as o" #1st D!5$ 2011

M!tro Ur%a" S!i-Ur%a" R/ra Total

*0) *) )9( 1$2# ?>1 @.ith o8!r :#iio" 5/sto!rs

O8!rs!as Bra"5h!s Offi5!s *( i" 29 3o/"tri!s @E75+ I"'ia

Tota ATMs 1*#*

Sbsidiaries Domestic3:

 Nai"ita Ba" t'+$ BOB3ARDS t'+ $ BOB 3a4ita Mar!t t'+

)ssociates Domestic3:

Baro'a Pio"!!r Ass!t Ma"a!!"t 3o4a"y t'I"'ia >irstif! I"s/ra"5! 3o4a"y iit!'Baro'a Uttar Pra'!sh Grai" Ba"

Baro'a Ra,astha" Grai" Ba"

Baro'a G/,arat Grai" Ba"

Na"ita -Aora Ksh!triya Grai" Ba"ha%/a-Dhar Ksh!triya Grai" Ba" 

Sbsidiaries O#erseas3:

Ba" of Baro'a @Bots.a"a t'+Ba" of Baro'a @K!"ya t'+

Ba" of Baro'a @Ua"'a t'+

Ba" of Baro'a @G/ya"a t'+

Ba" of Baro'a @UK t'+Ba" of Baro'a @Ta"6a"ia t'

Ba" of Baro'a @Tri"i'a' & To%ao t'+

Ba" of Baro'a @Gha"a t'+

+epresentati#e Offices O#erseas3

Ba" of Baro'a @Thaia"'

Ba" of Baro'a @A/straia

)ssociate O#erseas3

I"'o-La%ia Ba" t'+@/saaS,C 7oan factories:

With th! ai of !7t!"'i" or! fo5/s!' s!r8i5!s to th! SME S!5tor$ th! %a" has

5ar8!' o/t a s4!5ia sa! a"' '!i8!ry o'! for hass!-fr!! a"' fast!r sa"5tio" of 

5r!'it 4ro4osa i" th! SME S!5tor+

SME oa" >a5tory is 'i8i'!' i"to t.o 'i8isio"s F 3!"tra ;/% a"' Sa!s ;/%+

3!"tra ;/% to %! h!a'!' %y ;!a' @3r!'it a"' Sa!s ;/% to %! h!a'!' %y ;!a'

TC, Baroda 6

http://www.barodagraminbank.com/http://bgrb.co.in/http://www.bggb.in/http://www.nakgb.com/http://mypop%28%27gramin_dhar.asp%27%2C%27application%27%2C600%2C400%29/http://mypop%28%27botswana.asp%27%2C%27application%27%2C600%2C400%29/http://mypop%28%27kenya.asp%27%2C%27application%27%2C600%2C400%29/http://mypop%28%27uganda.asp%27%2C%27application%27%2C600%2C400%29/http://mypop%28%27guyana.asp%27%2C%27application%27%2C600%2C400%29/http://mypop%28%27uk.asp%27%2C%27application%27%2C600%2C400%29/http://mypop%28%27tanzania.asp%27%2C%27application%27%2C600%2C400%29/http://mypop%28%27tt.asp%27%2C%27application%27%2C600%2C400%29/http://mypop%28%27ghana.asp%27%2C%27application%27%2C600%2C400%29/http://www.barodagraminbank.com/http://bgrb.co.in/http://www.bggb.in/http://www.nakgb.com/http://mypop%28%27gramin_dhar.asp%27%2C%27application%27%2C600%2C400%29/http://mypop%28%27botswana.asp%27%2C%27application%27%2C600%2C400%29/http://mypop%28%27kenya.asp%27%2C%27application%27%2C600%2C400%29/http://mypop%28%27uganda.asp%27%2C%27application%27%2C600%2C400%29/http://mypop%28%27guyana.asp%27%2C%27application%27%2C600%2C400%29/http://mypop%28%27uk.asp%27%2C%27application%27%2C600%2C400%29/http://mypop%28%27tanzania.asp%27%2C%27application%27%2C600%2C400%29/http://mypop%28%27tt.asp%27%2C%27application%27%2C600%2C400%29/http://mypop%28%27ghana.asp%27%2C%27application%27%2C600%2C400%29/

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@Sa!s a"' sa!s 5oor'i"ator %oth ar! o5at!' i" sa! 4r!is!s for %!tt!r iaiso"

a"' 5oor'i"atio"+

R!atio"shi4 Ma"a!rs a"' R!atio"shi4 offi5!rs ar! o5at!' at strat!i5

'!si"at!' Bra"5h!s i" 8ario/s o5atio"s of th! 5ity$ %as!' o" %/si"!ss 4ot!"tia

a8aia%! i" th! '!si"at!' %ra"5h!s a"' oth!r fa5tors+ +ole and Anctions

Ro! of Mar!ti" T!a is to !"!rat! !a's$ !74ori" "!. 5/sto!rs a"'

str!"th!"i" r!atio"s .ith !7isti" 5/sto!rs+

Ro! of 3r!'it ;/% is to !7ai"! 4/rs! !a's !"!rat!' %y Mar!ti" T!a for

fi"a"5i"+ Bas!' o" 4ro4osas r!5!i8!' fro s/55!ssf/ !a's$ 5r!'it 4ro4osas

ar! 4ro5!ss!'+ Pro4osas fai" /"'!r th! 4o.!rs of ;!a' of SME oa"

>a5tory i"5har! of 3r!'it ;/% .i %! 4r!4ar!' a"' sa"5tio"!' at th! ;/%+A"' 4ro4osas %!yo"' th! 4o.!rs of th! ;!a' of SME oa" .i %! s/%itt!'

'ir!5ty to th! sa"5tio"i" a/thoriti!s+

Th! !"tir! sa"5tio" 4ro5!'/r! is to %! 5o4!t!' .ithi" a a7i/ of 11.ori" 'ays fro th! 'at! of r!5!i4t of 5o4!t! i"foratio" a"''is%/rs!!"t is to %! 5o4!t!' .ithi" 1: 'ays+ I" 5as! TEC st/'y is r!J/ir!'

th! ti! ta!" is 20 'ays+ 

Erban +etail 7oan factories11+ Th!s! fa5tori!s r!4r!s!"t sa!s a"' '!i8!ry o'! %as!' o" ass!%y i"!

4ri"5i4! !"ai" o/r 4!o4! a"' s/44ort!' %y si4ifi!' 4ro5!ss a"'

t!5h"ooy+

12+ Th! R!tai fa5tori!s ha8! t.i" o/tfits 5o4risi" Sa!s t!a a"' 3!"trais!'

Pro5!ssi" 3! a""!' %y Ba"a5tory at Ma"aor!$ .h!r! a 4ros4!5ti8! as .! as o/r !7isti" %orro.!r

5a" a8ai SME a"'or R!tai oa" /"'!r o"! /%r!a+

As .! ar! fo5/ssi" for 5ross - s!i" of o/r 4ro'/5ts$ it is !75!!"t st!4 to ta4th! a''itio"a %/si"!ss+ B!5a/s!$ "o. .! 5a" 5a"8ass a SME %/si"!ss of th!fir5o4a"y a"' at th! sa! ti!$ .! 5a" o for r!tai %/si"!ss fro th! 4arty

i" th!ir 4!rso"a 5a4a5iti!s+

S,C F +7A @'@:

It is "!. i"itiati8!s /"'!r Na8"iraa" 4ro,!5t$ .h!r! %a" is oi" to !sta%ish

f!. 5r!'it 4ro5!ssi" 5!"tr! o" 4iot %asis+ Th! 5!"tr! .i "ot o"y o for ta44i"

TC, Baroda 7

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%/si"!ss-!a' & 4ro5!ssi" of th! sa! %/t aso 5o4!t! th! 'o5/!"tatio"$

'is%/rs!!"t & r!5o8!ry+

enNe.t Branc!es

To r!s4o"' to th! "!!'s of th! 5ha"i" '!ora4hi5 4rofi! of th! 5o/"try$

th! %a" has %!!" !"'!a8ori" to 5/stoi6! '!i8!ry 5ha""!s !s4!5iay for

yo/th s!!"t+ As a 4art of th!s! !fforts$ th! %a" has s!t /4 i""o8ati8!

 G!"- N!7t %ra"5h!s '!'i5at!' to yo/th a"' yo/" IT 4rof!ssio"as at

5!rtai" 4a5!s+

Th! %ra"5h .i ha8! yo/th s4!5ifi5 4ro'/5ts a"' .i f/"5tio" as a o'! for

f/sio" of ;i-t!5h a"' ;ih-to/5h Ba"i"+

Th! Bra"5h is off!ri" foo.i" ia%iiti!s a"' ass!ts 4ro'/5ts to th!

5/sto!rs?

1+ G!" N!7t SB a55o/"t fa5iity .ith AB of o"y Rs+ 9002+ G!" N!7t S/8i'ha i" th! for of R!5/rri" '!4osits

#+ G!" N!7t if! sty! Foa" for 4/r5has! of f/r"it/r!$ 8!hi5!$ a4to4 !t5+

:+ G!" N!7t Po.!r i" th! for of OD$ 9 ti!s of th! "!t saary i"5o!

%as!' o" 5r!'it rati"+

lobal Syndication @enter F I,B@

11+ Ba"

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U"'!r W!ath Ma"a!!"t S!r8i5!s 5/rr!"ty .! ar! off!ri" # r' 4arty 4ro'/5ts

i" Ba"5ass/ra"5!$ M/t/a >/"'$ !-Tra'i" !t5+ /"'!r ti! /4 arra"!!"t .ith

8ario/s 4art"!rs+

Segment Name of Tiep 'artner 'rodcts

if!

I"s/ra"5!

I"'ia>irst if! I"s/ra"5! 3o+

t'+ @oi"t C!"t/r! 3o+ of th!

Ba"

U"it i"!' I"s/ra"5! Pa"

T!r I"s/ra"5! Pa"

E"'o.!"t Pa"

Gro/4 I"s/ra"5! Pa" !t5+

G!"!ra

I"s/ra"5!

Natio"a I"s/ra"5! 3o+ t'+ Baro'a ;!ath 5o-%ra"'!'

!'i-i"s/ra"5! 4ro'/5ts for

hos4itai6atio" !74!"s!s

I"s/ra"5! 5o8!r!' for ass!ts

s/5h as 8!hi5!$ %/si"!ss &

i"'/stri!s$ i8! sto5 !t5+ fro

8ario/s riss+

M/t/a

>/"'

Baro'a Pio"!!r M/t/a >/"'

@oi"t 8!"t/r! 3o+ of th! Ba"

• Gro.thEJ/ity S5h!!

• I"5o! D!%t S5h!!

• Baa"5! >/"'

• Mo"!y Mar!t or iJ/i'

>/"'

• Git >/"'

• I"'!7 >/"'

• Ta7 Sa8i" S5h!!

• >i7!' Mat/rity Pa"

UTI M/t/a >/"'

Bira S/"if! M/t/a >/"'

R!ia"5! M/t/a >/"'

S/"'ara BNP Pari%as

>ra"i" T!4!to" I"8!st!"ts

Kota Mahi"'ra M/t/a >/"'

ID>3 M/t/a >/"'

E-Broi" I"'ia I"foi"! t' Tra'i" i" !J/ity$5oo'iti!s a"' its

'!ri8ati8!s

Ot!er ,a(or tie p 6 ,OE of Bank it! ot!er Ser#ice pro#iders

EIM Ba"$ ID>3 a"' SIDBI for 5o-fi"a"5i" of 4ro,!5ts+

I>3 for i"frastr/5t/r! '!8!o4!"t fi"a"5!

Ba" of Baro'a !"t!rs i"to a" ar!!!"t .ith Bo%ay Sto5 E75ha"! for

5!ari" a"' s!tt!!"t

Ms A8!"/! @I"'ia P8t+ t' .i !"a%! 5/sto!rs of th! Ba" to sho4 o4i"!$

a"' a! 4ay!"ts thro/h N!t Ba"i" a55o/"t+ Ms T!5h4ro5!ss t'+ >or 4ro8i'i" o"i"! 4ay!"t so/tio" a"' 'ir!5t '!%it

5r!'it to its 5/sto!rs+ This ti!-/4 .i !"a%! Ba"s 5/sto!rs to sho4 o"-i"!

thro/h Ba"s !-%a"i" 4orta a"' aso a! /tiity %i 4ay!"ts i!t!!4ho"! %is$ !!5tri5ity %is !t5+

3ar >i"a"5! .ith Tata Motors t'+$ ;y/"'ai Motors I"'ia t'+$ Mahi"'ra &

Mahi"'ra t'+$ Mar/ti S/6/i I"'ia t'+

Ti! /4 .ith Kota Mahi"'ra O' M/t/a if! I"s/ra"5! t'+ >or 4ro8i'i" if!

I"s/ra"5! 3o8!r to E'/5atio" oa" %orro.!rs a"' ;o! oa" %orro.!rssa"5tio"!' /"'!r a s4!5ia 4a5a!+

TC, Baroda 9

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MOU .ith 3GTMSE for !7t!"'i" 5oat!ra fr!! oa"s /4 to Rs+ 100 a5s /"'!r

Ris Shari" >a5iity s5h!! a/"5h!' %y 3GTMSE+

+ole of Branc! manager in t!e c!anging Cn#ironments:

1+ To o8! for.ar' to tra"sfor its!f i"to a =M/ti FS4!5iaist Ba" .ith ar!

"/%!r of %ra"5h!s %ro/ht /"'!r 3BS$ Bra"5h Ma"a!r ro! is 5ha"!' #0

'!r!!+2+ >ro ar!y tra"sa5tio" 4ro5!ssi" a"' i".ar' ooi" ro! to ar!ti"$

5/sto!r a5t/atio" a"' %/si"!ss '!8!o4!"t ro!+

#+ ;! has to !!r! as ro! o'! for th! oth!r staff at th! %ra"5h as a" !ff!5ti8!

ar!ti" a"' sa!s a%assa'or+:+ To 5r!at! sa!s a"' ar!ti" !"8iro"!"t so that fro"t i"! staff .i ha8! ! to

'o" th! hat of a sa!sa"+

e'ayment of Ta.es “Cnabling Non@stomers and NonBaroda @onnect@stomers& :

3BS Bra"5h!s to o4!" a 3/rr!"t A55o/"t$ /"'!r s4!5ia s5h!! 5o'! 3A 11*-

G!"!ra Ta7 R!itta"5! A55o/"t @Na! of th! Bra"5h & o%tai" Baro'a 3o""!5tID & Pass.or'+

)d#antages to @stomer:

;a8i" "o N!t %a"i" fa5iity 5a" a! !-4ay!"t of Ta7!s

No foraiti!s-R!istratio" $ oi" ID$PW !t5

O"i"! 5h!5 of PAN TAN Ass!ss!! 5o'!

3o"fir i!'iat! Ta7 4ay!"t F 3haa" I"sta"t 5y%!r r!5!i4t 5o/"t!r foi .ith 3IN$ Pay!"t '!tais $ Na! of th!

%ra"5h

3o/"t!r foi 5a" %! r!!"!rat!'

Ta7 4ay!"t for a"y 5oissio"!rat! a8aia%!

O" i"! Ta7 4ay!"t %y %ra"5h o" %!haf of a"y i"'i8i'/a $ 5or4orat! !t5

No iit o" ao/"t

>or 5/sto!r fr!!

)d#antages to Bank 6 Branc!:

Rs+ :9- 4!r 5haa" r!8!"/!

Attra5t No" 5/sto!r-E74a"' B/si"!ss

3or4orat! ha8i" a"y /"its%rs+ F'iff!r!"t ass!ss!! 5o'!PANTAN 5a"

4ay fro si"! 4oi"t-"!!' "ot r!J/ir!' s!4arat! Ba" a55o/"ts I"t!r"!t

%a"i" for !a5h a55o/"t

Goo' No" >/"' %as!' i"5o! so/r5! fro a si"! 5or4orat!

3ha"5!s for 5ross s! of 4ro'/5ts to ;NI3or4orat!

@ontact @entre Aacility:

TC, Baroda 10

8/9/2019 study -10.02.2012-P11-points

11/22

Ba" has i"tro'/5!' a "!. '!i8!ry 5ha""! th! 3o"ta5t 3!"tr!@5a 5!"tr! for

'!i8!ry of %a"i" s!r8i5!s thro/h TO77 A+CC 'HONC+ Th! "/%!rs ar! 1;88

22 ?? GG O+ 1;88 182 GG 55% No$ Banks cstomers and members ofgeneral pblic can call t!e Banks @ontact @entre and seek information on

t!eir acconts$ re=est for banking ser#ices$ en=ire on banks prodcts$

interest rates$ etc%

Benefits to t!e Branc!es:

3o"ta5t 5!"tr! h!4s %ra"5h!s %y 4ro8i'i" 5/sto!r s!r8i5! o8!r P;ONE

.itho/t i"t!r8!"tio" of %ra"5h!s+

Pro8i'!s i"foratio" o" ro/ti"! J/!ri!s s/5h as F A55o/"t Baa"5!$

tra"sa5tio"s$ 5h!J/! stat/s$ 4ro'/5t !"J/iry$ i"t!r!st rat! !"J/iry$ o' rat!

!"J/iry$ !t5+ i"sta"ty+

Pro8i'!s /i'a"5! to 5/sto!rs o" Baro'a 3o""!5t s!r8i5!s+ It 5a" aso @a

a5ti8at! 4ass.or's & @% ta! r!J/!st for r!!"!ratio" of 4ass.or's+

Sto4s th! 4ay!"t of 5h!J/! a"' 5a" ta! th! r!J/!st for iss/a"5! of 5h!J/!

%oo i" r!s4!5t of RBO 5o8!r!' %ra"5h!s+

;otists th! D!%it 3ar' a"' ta!s r!J/!st for r!iss/a"5! of PIN or D!%it 3ar'+

As th! 3o"ta5t 3!"t!rs .i %! a%! to a''r!ss ost of th! 5oo" =J/!ri!s<

a"' =s!r8i5! r!J/!sts

8/9/2019 study -10.02.2012-P11-points

12/22

5o"'itio"s ai' %y SEBI+ S3SBs .o/' a55!4t th! a44i5atio"s$ 8!rify th!

a44i5atio"$ %o5 th! f/"' to th! !7t!"t of %i' 4ay!"t ao/"t$ /4oa' th!'!tais i" th! .!% %as!' %i''i" syst! of NSE$ /"%o5 o"5! %asis of aot!"t

is fi"ai6!' a"' tra"sf!r th! ao/"t for aott!' shar!s$ to th! iss/!r+

ASBA !a"s A44i5atio" S/44ort!' %y Bo5!' Ao/"t+ ASBA is a" a44i5atio"

5o"tai"i" a" a/thorisatio" to %o5 th! a44i5atio" o"!y i" th! %a" a55o/"t$for s/%s5ri%i" to a" iss/!+ If a" i"8!stor is a44yi" thro/h ASBA$ his

a44i5atio" o"!y sha %! '!%it!' fro th! %a" a55o/"t o"y if hish!r

a44i5atio" is s!!5t!' for aot!"t aft!r th! %asis of aot!"t is fi"ai6!'$ or th!iss/! is .ith'ra." fai!'+

It is a s/44!!"tary 4ro5!ss of a44yi" i" I"itia P/%i5 Off!rs @IPO$ riht

iss/!s a"' >oo. o" 4/%i5 off!rs @>PO a'! thro/h %oo %/i'i" ro/t! a"'

5o-!7ists .ith th! 5/rr!"t 4ro5!ss of /si" 5h!J/! as a o'! of 4ay!"t a"'s/%itti" a44i5atio"s+

Bsiness Aigres: )t a glance  @Rs+ i" 3ror!

'arameter ?1%8?%2818 ?1%8?%2811 ?1%12%2811

Tota Go%a B/si"!ss :10() 9#:11 0)*(

Tota Go%a D!4osit 2:10:: #09:#) #:)20

Tota Go%a A'8a"5!s 1(90#9 22*(( 201

N!t Profit #09*+## :2:1+*

Gross NPA @ 1+# 1+# 1+:*

N!t NPA @ 0+#: 0+#9 0+91

ROAA @ 1+21 1+## 1+2)

3AR @ 1:+# 1:+92 1#+:9

NIM @ 2+(: #+12 2+))

Ba" of Baro'a is !74!5ti" tota %/si"!ss ro.th of a%o/t 2: o8!r ast y!ar a"'

to a5hi!8! a tota %/si"!ss of or! tha" Rs+ $90$000 5ror! at th! !"' of Mar5h

2012+ Aso$ %a" is oi" to a5hi!8! a 'o!sti5 5r!'it ro.th of 20 4!r5!"t at th!

!"' of th! 5/rr!"t fi"a"5ia y!ar+

)ards for t!e Bank

• B!st P/%i5 S!5tor Ba" @PSB %y 3NB3-TC1* & M3

• Go'!" P!a5o5 A.ar' for E75!!"5! i" 3or4orat! Go8!r"a"5! %yI"stit/t! of Dir!5tors & Wor' >or/ for 3or4orat! Go8!r"a"5! r!5!i8!' i"

o"'o"• Dai"i Bhasar I"'ia Pri'! A.ar' for 2011

• Most Effi5i!"t Ba" i" K!"ya

• B!st I"itiati8!s i" I"5/si8! Ba"i" F >IB3 Ba"i" A.ar'

• D/" & Bra'str!!t

8/9/2019 study -10.02.2012-P11-points

13/22

• B/si"!ss !a'!rshi4 A.ar' %y NDTC- B!st PSB i" 2011• A.ar' for E75!!"5! i" >i"a"5ia R!4orti" %y I3AI i" PSB 5at!ory

)ards for t!e Banks @CO @,D3

• O/tsta"'i" >i"a"5ia Prof!ssio"a-2010 %y 3NB3-TC1* & M3

• B!st Ba"!r A.ar' @T+ A+ Pai M!oria A.ar' %y Kar"ataa Stat! O4!"U"i8!rsity

• if!ti! A5hi!8!!"t A.ar' %y Dai"i Bhasar I"'ia Pri'! A.ar's

• Ba"!r of th! !ar %y B/si"!ss Wor'-PW3

EMERN& TREN'S #N BANK#N& B& !*++,+!

Draft rles for “7icensing of Ne Banks in t!e 'ri#ate Sector&

Th! R!s!r8! Ba" of I"'ia has r!!as!' th! Draft r/!s for i5!"si" of N!. Ba"s

i" th! Pri8at! S!5tor$ aft!r 5o"si'!ri" th! 8i!.s a"' 5o!"ts of 'iff!r!"t %a"s$NB>3s$ oth!r fi"a"5ia i"stit/tio"s a"' oth!r 4/%i5 to 4r!4ar! th! 'raft 8!rsio" of

th! /i'!i"!s for "!. %a"i" i5!"s!s+

As 4!r th! RBI 'ata$ th! ai" f!at/r!s of th! "!. %a"i" r/!s ar! as foo.s+

1+ Mi"i/ 10 y!ars of !74!ri!"5!s ar! r!J/ir!' to 4root! a %a"+

2+ N!. %a"s .i %! s!t /4 o"y thro/h a .hoy o."!' No"-O4!rati8! ;o'i"

3o4a"y @NO;3+ It has to %! r!ist!r!' .ith th! r!s!r8! Ba" of I"'ia+

#+ Mi"i/ 5a4ita r!J/ir!!"t .i %! Rs 900 5ror!+

:+ NO;3 sha ho' i"i/ :0 of th! 4ai'-/4 5a4ita of th! %a" for a4!rio' of fi8! y!ars fro th! 'at! of i5!"si" of th! %a"+ Shar!ho'i" %y

NO;3 i" !75!ss of :0 sha %! %ro/ht 'o." to 20 .ithi" 10 y!ars a"' to

19 .ithi" 12 y!ars fro th! 'at! of i5!"si" of th! %a"+

9+ Th! ar!at! "o"-r!si'!"t shar!ho'i" i" th! "!. %a" sha "ot !75!!':) for th! first 9 y!ars aft!r .hi5h it .i %! as 4!r th! !7ta"t 4oi5y+

+ At !ast 90 of th! 'ir!5tors of th! NO;3 sho/' %! i"'!4!"'!"t 'ir!5tors toha8! 4ro4!r 5or4orat! o8!r"a"5!+ Th! RBI sho/' %! a%! to s/4!r8is! th!

%a"i" a5ti8iti!s 4ro4!ry+

(+ Th! %a" sha o4!" at !ast 29 of its %ra"5h!s i" /"%a"!' r/ra 5!"tr!s+

RBI has aso '!5i'!' to 4ro8i'! %a"i" i5!"s!s to so! or! 5or4orat!s to %oostro.th a"' has ath!r!' 4/%i5 a"' oth!r o4i"io"s %!for! fi"ai6i" th! "!. r/!s

for "!. %a"i" i5!"s!s+

TC, Baroda 13

8/9/2019 study -10.02.2012-P11-points

14/22

Banks rging indi#idal borroers to by co#ers

Ba"s i" th! 5o/"try ar! /ri" i"'i8i'/a %orro.!rs to s!5/r! th!ir oa"s %y

4/r5hasi" i"s/ra"5! 4oi5i!s ai' ro.i" 5o"5!r"s that "o"-4!rfori" ass!ts

@NPAs ar! i!y to i"5r!as! i" th! 5o/"try+

Th! 5o/"trys %a"s ha8! !",oy!' o.!r !8!s of NPAs+ ;o.!8!r$ th!r! ar! ro.i"5o"5!r"s that a"y %orro.!rs iht %! /"a%! to r!4ay oa"s i" th! 5oi"

o"ths+ A55or'i" to %a"i" offi5ias$ %oth 4/%i5 a"' 4ri8at! s!5tor %a"s ar!

5o"8i"5i" th!ir 5/sto!rs to %/y 4oi5i!s to 5o8!r th!ir 4!rso"a oa"s a"'o8!r'raft fa5iiti!s

+BI rela.es rles to boost inflo of fnds to spport +pee

R!s!ar8! Ba" of I"'ia has r!a7!' its r!/atio"s to ao. 5o4a"i!s to %orro.

a%roa' a"' it aso i"5r!as!' i"t!r!st rat!s for I"'ia"s i8i" a%oar' i" or'!r to h!4

5o"tai" th! fa i" th! I"'ia" r/4!!+

+BI allos @reditDefalt Saps

R!s!r8! Ba" of I"'ia has i"tro'/5!' tra'i" i" 5r!'it- '!fa/t s.a4s i" I"'ia to

attra5t i"8!stors to th! 5o/"trys 5or4orat! %o"' ar!t$ a o8! that .o/'

i"5r!as! i"fo.s i"to th! 5o/"try a"' h!4 5o"tro th! fa i" th! r/4!!+ It has aso

5r!at!' r/!s iiti" th! s5o4! of th! ar!t+ Th! RBI "o. ao.s 'o!sti5 !"'!rs

a"' /"its of for!i" %a"s to 4/r5has! 5r!'it- '!fa/t s.a4s 5o"tra5ts to Qh!'!Q

ass!ts a"' tra'i" 4ositio"s$ a55or'i" to a "otifi5atio" fro th! 5!"tra %a"+

+BI scraps limit on mobile transactions

R!s!r8! Ba" of I"'ia @RBI has a""o/"5!' its '!5isio" to 'o a.ay .ith th! iit of

Rs 90$000 4!r 5/sto!r 4!r 'ay i4os!' o" o%i! tra"sa5tio"s+ Th! iit o"

o%i! tra"sa5tio"s .as i4os!' i" 200) %y th! r!/ator+ U"'!r th! "!. r/!s$ th!

%a"s .i %! ao.!' to fi7 th!ir o." iit o" o%i! tra"sa5tio"s for 5/sto!rs i"

th! 5o/"try+ Th! RBI ha' iss/!' /i'!i"!s o" o%i! %a"i" tra"sa5tio"s i" I"'ia

i" 200* a"' ha' 4a5!' 5!rtai" o"!tary r!stri5tio"s o" f/"' tra"sa5tio"s+

Banks may redce rates for blk deposits

So! %a"s i" th! 5o/"try ha8! i"'i5at!' that th!y iht r!'/5! rat!s for %/'!4osits if th!y rais! i"t!r!st rat!s o" sa8i"s a55o/"t foo.i" RBIs '!r!/atio"

of i"t!r!st rat!s+ I"'ia" %a"s ar! ra5i" to i"5r!as! sa8i"s a55o/"t i"t!r!st rat!s

i" or'!r to attra5t or! 5/sto!rs+ ;o.!8!r$ stat!-r/" %a"s a44!ar or! 5a/tio/s

i" i"5r!asi" th!ir rat!s+

Damodaran committee recommendations on @stomer Ser#ice:

Th! 3oitt!!$ h!a'!' %y for!r SEBI 5haira" M Dao'ara"$ .as s!t /4 %y th!

TC, Baroda 14

http://www.topnews.in/banks-urging-individual-borrowers-buy-covers-2356880http://www.topnews.in/rbi-relaxes-rules-boost-inflow-funds-support-rupee-2349347http://www.topnews.in/rbi-allows-creditdefault-swaps-2349537http://www.topnews.in/rbi-scraps-limit-mobile-transactions-2350109http://www.topnews.in/some-banks-may-reduce-rates-bulk-deposits-2349083http://www.topnews.in/some-banks-may-reduce-rates-bulk-deposits-2349083http://www.topnews.in/banks-urging-individual-borrowers-buy-covers-2356880http://www.topnews.in/rbi-relaxes-rules-boost-inflow-funds-support-rupee-2349347http://www.topnews.in/rbi-allows-creditdefault-swaps-2349537http://www.topnews.in/rbi-scraps-limit-mobile-transactions-2350109http://www.topnews.in/some-banks-may-reduce-rates-bulk-deposits-2349083

8/9/2019 study -10.02.2012-P11-points

15/22

5!"tra %a" to oo i"to th! iss/!s of 5/sto!r s!r8i5!s a"' !8a/at! th! !7isti"

syst! of ri!8a"5! r!'r!ssa !5ha"is 4r!8a!"t i" %a"s$ its str/5t/r! a"'!ffi5a5y a"' r!5o!"' !as/r!s for !74!'itio/s r!so/tio" of 5o4ai"ts+

Th! R!s!r8! Ba" of I"'ia @RBI has a55!4t!' ** o/t of th! 2#0 r!5o!"'atio"s

a'! %y th! Dao'ara" 5oitt!! o" 5/sto!r s!r8i5!s+ So/r5!s say that th! **

r!5o!"'atio"s$ .h!r! %a"!rs ha' 5o"s!"s/s$ i"5/'! r!5o!"'atio"s s/5has %a"s sho/' s! sta"'ao"! fi"a"5ia 4ro'/5ts a"' "ot %/"'! it .ith a"y oth!r

4ro'/5t$ ha8! %!!" a55!4t!' %y th! RBI+ So! 4!"'i" r!5o!"'atio"s s/5h as

"ot i4osi" 4r!-4!"aty o" for!5os/r! of ho! oa" a"' s/!stio"s a'! o"o%i! a"' i"t!r"!t %a"i"$ RBI .i ha8! a 'is5/ssio" .ith IBA+

Dereglation of Sa#ings )6c interest rate

R!5!"ty$ th! RBI sai' %a"s ar! fr!! to '!t!ri"! th!ir sa8i"s %a" '!4ositi"t!r!st rat!$ s/%,!5t to th! foo.i" t.o 5o"'itio"s?

>irst$ !a5h %a" .i ha8! to off!r a /"ifor i"t!r!st rat! o" sa8i"s %a" '!4osits

/4 to Rs 1 ah$ irr!s4!5ti8! of th! ao/"t i" th! a55o/"t .ithi" this iit+ S!5o"'$

for sa8i"s %a" '!4osits o8!r Rs 1 ah$ a %a" ay 4ro8i'! 'iff!r!"tia rat!s of

i"t!r!st$ if it so 5hoos!s %/t sho/' "ot %! 'is5rii"at!' fro 5/sto!r to5/sto!r+

Ti 'at!$ %arri" f!. sa %a"s "o a"y %a" has 5ha"!' th! SB i"t!r!st rat!+

'ost !ar#est loan at concessional rate of interest i%e% or th! a44ro4riat! ro.th a"' '!8!o4!"t of th! .ar!ho/si" s!5tor i" th!5o/"try a"' to %ri" !ffi5i!"5y i" th! 5o"'/5t of .ar!ho/si" %/si"!ss$ th! Go8t+ of 

I"'ia has i"tro'/5!' a N!otia%! War!ho/s! R!5!i4t @NWR syst! i" th! 5o/"try

%y !"a5ti" th! War!ho/si" @D!8!o4!"t a"' R!/atory A5t$ 200(+ At 4r!s!"t$

th! 5o"5!ssio"a 5ro4 oa"s ( .ith i"t!r!st s/%8!"tio" is a8aia%! to far!rs asa 4r!-har8!st oa"+ ;o.!8!r$ i" 5as! of 4ost har8!st oa"s aai"st th! .ar!ho/s!

r!5!i4ts$ th! far!rs ar! ra"t!' oa"s a7i/ /4 to Rs+10 a5s .itho/t a"y

5o"5!ssio" i" rat! of i"t!r!st+ I" or'!r to 'is5o/ra! 'istr!ss sa! %y far!rs a"' to

!"5o/ra! th! to stor! th!ir 4ro'/5! i" War!ho/s!s$ it has %!!" '!5i'!' %y th!Go8!r"!"t that th! %!"!fit of i"t!r!st s/%8!"tio" .i %! a8aia%! to sa a"'

ari"a far!rs ha8i" Kisa" 3r!'it 3ar' for a f/rth!r 4!rio' of /4to -- o"ths

o" oa" aai"st th! "!otia%! .ar! ho/s! r!5!i4t for !!4i" th!ir 4ro'/5! i" .ar!

ho/s!s+

I" 8i!. of th! a%o8!$ %ra"5h!s sho/' 5har! i"t!r!st ( o" s/5h 4ost har8!st

oa"s /4to Rs # a5s$ aai"st N!otia%! War!ho/s! R!5!i4t to sa a"' ari"a

far!rs a"' i"5/'! th! i"t!r!st s/%8!"tio" ao/"t i" th!ir 5ais 4r!4ar!' asa%o8! i" th! forat atta5h!'+

Banking by t!e year 2815:

Th! s/r8!y .as 5o"'/5t!' %y IBM r!s!ar5h /"it o" f/t/r! %a"i" s5!"ario$.hi5h r!8!a!' fi8! !y tr!"'s that .i '!t!ri"! ar!t s/55!ss i" 2019?

TC, Baroda 15

8/9/2019 study -10.02.2012-P11-points

16/22

@stomers take control 3/sto!rs .i %! sart$ i"for!' a"' sa88y /s!rs

of fi"a"5ia s!r8i5!s+ Th!y .i o"y %! i"t!r!st!' i" s!r8i5! 4ro8i'!rs that 5a"

!!t th!ir 8!ry s4!5ifi5 i"'i8i'/a "!!'s+

Speciali4ed nic!e competitors Mar!t 5o"soi'atio" .i 5o"ti"/!$ ai"

th! !a %a"s !8!" %i!r+ B/t th!y .i fa5! a"y 5o4!titors i"5/'i"

5o/"ity %a"s$ i"'/stry s4!5iaists a"' "o"-%a" %a"s that s4!5iai6! i"4ro8i'i" s4!5ifi5 s!r8i5!s+ Part"!r-5o4!titor r!atio"shi4s .i aris!+

) ne orkforce Th! "!!' for 4ro'/5ti8ity a"' !ffi5i!"5y .i 5r!at! "!.

a%o/r a"' .or 4ra5ti5!s+ B/t th!r! .i aso %! i"t!"s! 5o4!titio" to attra5ta"' r!tai" ta!"t+

+eglated transparency Th! "!!' to 5o4y .ith o%ay !"for5!'

sta"'ar's of tra"s4ar!"5y a"' a55o/"ta%iity .i for5! th! a'o4tio" %y %a"s of 

i"t!rat!'$ !"t!r4ris!-.i'! syst!s a"' 4ro5!ss!s+

S!arply focsed tec!nology Th! !"a%!r of a this 5ha"! .i %!

t!5h"ooy that s/44orts ra4i'$ a55/rat! '!5isio" ai" a"' r!at!ro4!ratio"a f!7i%iity a"' !ffi5i!"5y+ Th! s/55!ssf/ s4!5iaists .i %! thos! .ho5a" tra5 a"' a"ay6! s4!5ifi5 5/sto!r "!!'s a"' s4!!'iy !!t th! .ith

4rofita%!$ r!ia%! 4ro'/5ts+

E8!"$ %a"s .i so/r5! 4ro'/5ts a"' s!r8i5!s fro a"y s4!5iai6!' a"' %!st-

i"-5ass s!r8i5! 4ro8i'!rs$ i"5/'i" i"'!4!"'!"ts a"' oth!r %a"s 4ro8i'i"

.hit!-a%! 4ro'/5ts a"' s!r8i5!s+ I""o8atio" i" 4ro'/5ts$ 4ro5!ss!s$r!atio"shi4s a"' %/si"!ss o'!s .i %! th! 4riary 4ath to s/stai"a%!

ro.th+

Installing Offsite )T, as otcome of )T, S!aring

As 4!r th! /i'!i"!s of RBI$ th! 5/sto!r ai"tai"i" Sa8i" Ba" A5 ay.ith'ra. th! o"!y fro a"y Ba"

8/9/2019 study -10.02.2012-P11-points

17/22

+etrning of dis!onored c!e=es Th!s! i"str/!"ts sho/' %! 'is4at5h!' to

th! 5/sto!r 4ro4ty .itho/t '!ay$ i" a"y 5as! .ithi" 2: ho/rs+

'rocedre for retrn6 despatc! of dis!onored c!e=es

@i Th! 4ayi" %a" sho/' r!t/r" s/5h 5h!J/!s 4r!s!"t!' thro/h 5!ari" ho/s!sstri5ty as 4!r th! r!t/r" 'is5i4i"! 4r!s5ri%!' for r!s4!5ti8! 5!ari" ho/s! i"

t!rs of U"ifor R!/atio"s a"' R/!s for Ba"!rs< 3!ari" ;o/s!s+

@ii I" r!atio" to 5h!J/!s 4r!s!"t!' 'ir!5t to th! 4ayi" %a" for s!tt!!"t of

tra"sa5tio" %y .ay of tra"sf!r %!t.!!" t.o a55o/"ts .ith that %a"$ it sho/'r!t/r" s/5h 'isho"o/r!' 5h!J/!s to 4ay!!s ho'!rs i!'iat!y+

@iii 3h!J/!s 'isho"o/r!' for .a"t of f/"'s i" r!s4!5t of a a55o/"ts sho/' %!

r!t/r"!' ao" .ith a !o i"'i5ati" th!r!i" th! r!aso" for 'isho"o/r as

 i"s/ffi5i!"t f/"'s+ 

Dealing it! incidence of fre=ent dis!onor

@i Ba"s sho/' i"tro'/5! a 5o"'itio" for o4!ratio" of a55o/"ts .ith 5h!J/! fa5iitythat i" th! !8!"t of 'isho"o/r of a 5h!J/! 8a/i" Rs+1 5r a"' a%o8! 'ra." o"

a 4arti5/ar a55o/"t of th! 'ra.!r o" : o55asio"s '/ri" th! fi"a"5ia y!ar for

.a"t of s/ffi5i!"t f/"'s i" th! a55o/"t$ "o fr!sh 5h!J/! %oo .o/' %! iss/!'+Aso$ th! %a" ay 5o"si'!r 5osi" 5/rr!"t a5 at its 'is5r!tio"+ ;o.!8!r$ i"

r!s4!5t of a'8a"5!s a55o/"ts s/5h as 5ash 5r!'it or o8!r'raft a55o/"t$ th! "!!'

for 5o"ti"/a"5! of th!s! 5r!'it fa5iiti!s a"' th! 5h!J/! fa5iity r!ati" to th!s!

a5 sho/' %! r!8i!.!' %y a44ro4riat! a/thority hih!r tha" th! sa"5tio"i"a/thority+

@ii >or i"tro'/5tio" of th! 5o"'itio" !"tio"!' at @i a%o8! i" r!atio" to o4!ratio"

of th! !7isti" a55o/"ts$ %a"s ay$ at th! ti! of iss/i" "!. 5h!J/! %oo$

iss/! a !tt!r a'8isi" th! 5o"stit/!"ts of th! "!. 5o"'itio"+@iii If a 5h!J/! is 'isho"o/r!' for a #r' ti! o" a 4arti5/ar a55o/"t of th! 'ra.!r

'/ri" th! fi"a"5ia y!ar$ %a"s sho/' iss/! a 5a/tio"ary a'8i5! to th!

5/sto!r 'ra.i" his att!"tio" to th! 5o"'itio" a"' 5o"s!J/!"tia sto44a! of

5h!J/! fa5iity i" th! !8!"t of 5h!J/! %!i" 'isho"o/r!' o" :th o55asio" o" th!sa! a55o/"t '/ri" th! fi"a"5ia y!ar+ Siiar 5a/tio"ary a'8i5! ay %! iss/!'

if a %a" i"t!"'s to 5os! th! a55o/"t+

+BI tig!tens salary accont opening rle:

Th! RBI has 'ir!5t!' %a"s to as for o"! or! 4roof s/5h as Pass4ort$ Dri8i"i5!"5!$ PA3 5ar'$ Cot!r

8/9/2019 study -10.02.2012-P11-points

18/22

E8!" that$ RBI "o. .a"ts to 5o"8!rsio" of for!i" %a" %ra"5h!s i"to .hoy-

o."!' s/%si'iari!s$ to !7!r5is! %!tt!r 5o"tro o8!r th! o4!ratio"s of for!i" %a"si" I"'ia+

Nes !a#ing impact on banking:

Posta '!4tt+ !ts RBI "o' for a/"5h of 4r!4ai' '!%it 5ar's @Rs+1000 toRs+90000 & ay fa5iitat! .ith'ra.as fro ATMs+

RBI ra"t!' first i5!"5! to =Bharti Airt!< to off!r fi"a"5ia s!r8i5!s o8!r 5!-

4ho"! %y /si" th! S!i-5os!' .a!t@ao.s /s!r to 4ay for oo's & s!r8i5!s/4to Rs+9000

RBI "o. ao.!' 4rofit-ai" firs to a5t as =B/si"!ss 3orr!s4o"'!"ts< /"'!r

>i"a"5ia I"5/sio" Pa"+

>i"a"5! i"istry has r!5o"i6!' th! Aa'har "/%!r iss/!' %y UIDAI as a"

offi5iay 8ai' 'o5/!"t to satisfy th! K3 "ors for o4!"i" of a55o/"ts+

BUS#NESS OL#C- &U#'EL#NES: !*++,+! (Indian Branches)

Ba" has a'o4t!' th! s/stai"a%! %/si"!ss o'! for a5hi!8i" its 5or4orat! oay!ar aft!r y!ar+ This s/stai"a%! %/si"!ss o'! r!st /4o" fo/r 4iars

 –  A stro" a"' ro.i" 3ASA %as!

 –  W! 'i8!rsifi!' a"' hih J/aity 5r!'it '!4oy!"t

 –  3o"ti"/o/s i4ro8!!"t i" ass!ts J/aity a"'

 –  A ro.i" 4oo of f!! %as!' i"5o!

A th! fo/r 5o4o"!"ts of this %/si"!ss o'! r!8o8! aro/"' 5/sto!rs$ %! it

5/sto!r %as!$ 5/sto!r r!a5h$ 5/sto!r J/aity or 5/sto!r satisfa5tio"+ ;!"5!.! ha8! to tra"sfor o/rs!8!s i"to a 4/r!y =Sa!s & S!r8i5! Ora"isatio"

8/9/2019 study -10.02.2012-P11-points

19/22

Tota B/si"!ss 2: to 29

Tota D!4osits 22 to 2#

3ASA D!4osits 2 to 2(

A8!ra! 3ASA 29

R!tai T!r D!4osits 29 to 2

A'8a"5!s 29 to 2A8!ra! A'8a"5!s 2: to 29

R!tai A'8a"5!s #0

MSME A'8a"5!s 2*

Ari5/t/r! 22

>r!sh Si44a! !ss tha" 1

R!5o8!ry i" NPAs Rs900 5rs

No"-I"t!r!st I"5o! @Gro.th 29

R!t/r" o" A8!ra! Ass!ts 1+29 to 1+#9

N!. /aity Sa8i"s Ba"A55o/"ts

90 a5s

ST+)TCICS )ND )@TION 'OINTS 

R!so/r5! Mo%iisatio"

R!so/r5! D!4oy!"t

>i"a"5ia I"5/sio"

No"-i"t!r!st I"5o!

W!ath Ma"a!!"t

At!r"at! D!i8!ry 3ha""!s

Ass!t /aity Ma"a!!"t

Ora"isatio"a R!str/5t/ri" & BPR

;R & S/44ort S!r8i5!s

To B! Most A'ir!' Ba"

+CSOE+@C ,OBI7IS)TION

>o5/s!' att!"tio" o" o%ii6atio" of o" R!tai Ti! & 3ASA D!4osits

A5J/iri" "!. 5/sto!rs a5ross a 5/sto!r s!!"ts a"' %ra"5h!s+

  W! f/"5tio"i" 5o4/t!r syst!$ /"i"t!rr/4t!' 5o""!5ti8ity$ /4-to-'at!

"o.!'! a%o/t th! 4ro'/5ts$ a%iity to s!r8i5! th! 5/sto!r fro si"!.i"'o.$ a"a!!"t of 5o/"t!rs '/ri" r/sh ho/rs$ %ra"5h a%i!"5! a"'

5!a"i"!ss a"' th! attit/'! of th! staff riht fro Manager to the Messenger 

Bra"5h!s %ro/ht /"'!r th! a%it of Pro,!5t Na8"iraa" /st ass/!

5ha!"i" tar!ts+ S4!5ia strat!i!s a"' a5tio" 4a"s for o%ii6i" R!5/rri" D!4osits$ NRI

'!4osits a"' i"stit/tio"a '!4osits+

Pro'/5t a"' Pro5!ss i""o8atio"+

Th! 4!rfora"5! of Bra"5h!s$ R!io"s a"' Lo"!s o" r!so/r5! o%iisatio"

fro"t .i %! !as/r!' a"' o"itor!' o" th! foo.i" i"!s?

Gro.th of tota a"' s!!"ta '!4osits o" .!!y a8!ra!

No+ of '!4osit a55o/"ts a''!' ao" .ith th! ao/"t

Tr!"'s i" a8!ra! %aa"5! 4!r a55o/"t Jtr aft!r J/art!r

TC, Baroda 19

8/9/2019 study -10.02.2012-P11-points

20/22

No+ of a55o/"ts a''!' i" !y 5/sto!r s!!"ts i! P!"sio"!rs$ o/"

Prof!ssio"as$ 3or4orat! Saary a55o/"ts$ Go8t+ A55o/"ts$ Tr/sts !t5+

No+ of a55o/"t 5os!' 8i6-a-8i6 o4!"!'+

+CSOE+@C DC'7OK,CNT

>o5/s ar!a .i 5o"ti"/! to %! o" J/aity 5r!'it !74a"sio" a"' %aa"5!'ro.th a5ross a s!!"ts

>o5/s o" hih!r 8o/!s a"' %!tt!r T/r" Aro/"' Ti! @TAT

/HO7CS)7C B)NLIN

N!!' to 5a"8ass "!. 4ro4osas .ith or! !74os/r! i" .ori" 5a4ita rath!r

tha" 3or4orat!T!r oa"s

Ba" .i s!t/4 1: i'-5or4orat! %ra"5h!s to 5at!r to th! "!!'s of 3or4orat!

ha8i" t/r"o8!r of /4to Rs9005rs

>/"5tio"a 3i!"t S!r8i5! T!as @3ST - 3ST .i fo5/s o" a5J/isitio" a"'

'!!4!"i" thro/h syst!ati5 a55o/"t 4a""i"+

,S,C B)NLIN

Ea5h a"' !8!ry %ra"5h .i ha8! to !"!rat! !a's for a44raisa a"' sa"5tio"

of 4ro4osa thro/h SME>

Po4/ari6atio" of 3GTMSE s5h!!

3/st!r a44roa5h i" !"'i" to MSME

+CT)I7 @+CDIT

Ea5h a"' !8!ry %ra"5h sho/' !"'!a8o/r to 'is%/rs! at !ast 2 ho/si" oa"s

4!r o"th+ Bra"5h!s .i ha8! to h!4 R>s %y !"!rati" a7i/ !a's+

+ral F )gri% Banking

;orti5/t/r!$ ora"i5 fari"$ 5o"tra5t fari"$ aro-4ro5!ssi"$ i"or

irriatio"$ 'airy$ 5o"str/5tio" of o-'o."s !t5 ar! !!ri" ar!as for Ari+

Ba"i"

3o"5!"trati" o" i"5r!asi" th! 4ri8at! i"8!st!"t o" th! fars %y

i"'i8i'/a far!rs %y fo5/si" o" i"8!st!"t 5r!'it+

Ainancial Inclsion

 Ba" 4a"s to 5o8!r 20000 8ia!s %y 201# thro/h

Bra"5h!s

B3 o'!

ATMs

Sat!it! offi5!s

Mo%i! Ba"i"$

Kios Ba"i"

Noninterest Income:

 No"-i"t!r!st i"5o!- at !ast #0 ro.th '/ri" th! y!ar

TC, Baroda 20

8/9/2019 study -10.02.2012-P11-points

21/22

3BG %/si"!ss sho/' %! i8!" a %oost to i"5r!as! f!! %as!' i"5o!

E74ortI4ort t/r"o8!r "!!'s to %! i4ro8!' f/rth!r

I"5r!asi" sa! of #r' 4arty 4ro'/5t

Po4/arisatio" of o"-i"! tra'i" .h!" it is a/"5h!' %y %a"

Tr!as/ry sho/' 5a"8ass or! '!ri8ati8! %/si"!ss

I"5r!as! i" Go8t+ B/si"!ss -at !ast Rs+100 5r i"5o! fro Go8t+ B/si"!ss'/ri" th! y!ar+

/ealt! ,anagement

U"'!r WMS th! %a" 4r!s!"ty 4ro8i'!s thro/h th! "!t.or of its %ra"5h!s

8ario/s #r' 4arty 4ro'/5ts i! if! I"s/ra"5!$ No" if! i"s/ra"5! i"5/'i"

;!ath I"s/ra"5!$ M/t/a >/"'s & EJ/ity Tra'i" /"'!r ti!-/4 arra"!!"t

.ith 'iff!r!"t 4art"!rs

O/r o." R!tai !-tra'i" 4atfor /"'!r BOB 3a4ita .i soo" start o4!rati"+

Bra"5h!s /st si" a7i/ 5/sto!rs for !-tra'i"

E- tra'i" to !8!ra!' for !tti" or! SB a55o/"ts .ith hih!r r!tai"!'

%aa"5!s i" th!s! a55o/"ts

)lternate Deli#ery @!annels

Ma7ii6! !"ro!"t a"' /tiisatio" of Baro'a 5o""!5t

3/sto!rs sho/' %! i4r!ss!' /4o" to /s! o"i"! RTGSNE>T !t5 for f/"'

tra"sf!r to oth!r %a"s

A8!ra! ATM hits to i"5r!as! at !ast #00 4!r 'ay

Ma7i/ !"ro!"t for M 5o""!5t Fo%i! %a"i" s!r8i5!$ .h!" it is

a/"5h!' %y %a"

)sset Jality ,anagement

To !!4 tra5 of !a5h a"' !8!ry a55o/"t fro %!i""i" E8!ry A5 of Rs+ 9 a5s a"' a%o8! sho/' %! 5os!y %y Bra"5h ;!a'

A5s %!o. Rs+ 9 a5s sho/' %! 5os!y o"itor!' %y th! offi5!r-i"-5har!

SPT> at RO to !!4 5os! .at5h o" !a5h a"' !8!ry a55o/"t

D!fi5i!"5i!s %ro/ht o/t i" PSR a"' %ra"5h i"s4!5tio" sho/' %! rioro/sy

foo.!' /4 for r!5tifi5atio"

o A'aats sho/' %! ora"is!' to a7iis! r!5o8!ry

E7!5/tio" of '!5r!!s & R!5o8!ry i" PWO A5s

.h!r! th! "oti5! 4!rio' is o8!r /"'!r SAR>AESI A5t$ st!4s sho/' %! ta!" for

th! 4oss!ssio" of th! 5oat!ras a"' r!aisatio" of %a" '/!s

Organisational +estrctring F B'+  No+ of R!io"a Offi5!s .i i"5r!as! fro :# to :) i+! # i" Uttar Pra'!sh a"' 1

!a5h i" North!" Lo"!$ Ra,!stha" Lo"! a"' Mah & Goa Lo"!

A M!tro a"' Ur%a" %ra"5h!s ar! 4ro4os!' to %! s/%,!5t!' to "!. o'! as

4!r Pro,!5t Na8"iraa"

I" th!s! %ra"5h!s a "o"-5/sto!r fa5i" a5ti8iti!s ar! !ith!r shift!' to

RBO3BO or r!-'!si" th! %ra"5h!s !a8i" or! s4a5! for th! 5/sto!rs

Mor! tha" 990 "!. %ra"5h!s .i %! a''!' '/ri" 2011-12

H+ F Spport Ser#icesTC, Baroda 21

8/9/2019 study -10.02.2012-P11-points

22/22

R!5r/it!"t 'ri8!

Miratio" of 5/sto!rs to at!r"at! '!i8!ry 5ha""!s$ r!'/5i" staff at

a'i"istrati8! offi5!s$ 5!"traisatio" of MIS r!t/r"s$ a8oi'i" a8oi'a%! 4a4!r5orr!s4o"'!"5!$ 5/tti" 'o." /ti4i5ity of '!5isio" ai" ay!rs$

a/toatio" of 8ario/s .or 4ro5!ss

N!. r!5r/its 5assroo trai"i" to %! s/44!!"t!' %y o"-th!-,o% trai"i"

E7isti" staff has to 4ay th! /ar'ia"s< ro!

To be t!e ,ost )dmired Bank

O/r Ba" sho/' !a' th! i"'/stry %y s!tti" a" !7a4! %y a5hi!8i"

5o"sist!"t$ s/stai"a%! a"' 4rofita%! %/si"!ss ro.th i" a !y 4ara!t!rs+

A 5o"sist!"t ro.th o" a8!ra! %asis i" a s!!"ts of '!4osits a"'

a'8a"5!s 5o/4!' .ith i"i/ '!i"J/!"5i!s a"' ro%/st f!!-%as!' i"5o!is Ba"