2. Bank Of Baroda
•Third largest Public Sector bank in
India,
after State Bank of India and Punjab
National Bank
•Founded in 1908
•Headquartered at Baroda
•It has total of 3159 branches including
70 overseas
•Has a total staff of 38063
•CMD of BOB is M.D.Mallaya
3. Mission Statement
To be a top ranking National Bank of
International Standards committed to
augmenting stake holders' value
through concern, care and
competence.
4. History
1908: Maharaja Sayajirao Gaekwad III set up Bank of Baroda
(BOB).
1910: established its first branch in Ahmedabad
1953: established a branch in Mombasa and another
in Kampala
1959: acquired Hind Bank.
1961: merged in New Citizen Bank of India. This merger
helped it increase its branch network in Maharashtra
1963: acquired Surat Banking Corporation in Surat, Gujarat.
1964: acquired two banks, Umbergaon People’s Bank in
southern Gujarat and Tamil Nadu Central Bank in Tamil
Nadu state.
1969: The Government of India nationalized 14 top banks,
5. History contd.
1975: BOB acquired the majority shareholding and
management control of Bareilly Corporation Bank (est. 1928)
and Nainital Bank (est. in 1954), both in Uttar Pradesh
1998:BOB also acquired Punjab Cooperative Bank in a
rescue.
1999: BOB merged in Bareilly Corporation Bank in another
rescue. At the time, Bareilly had 64 branches, including four
in Delhi.
2007: In its centenary year, BOB's total business crossed
2.09 lakh crores, its branches crossed 1000, and its global
customer base 29 million people.
2009: Bank of Baroda registered with the Reserve Bank of
New Zealand, enabling it to trade as a bank in New Zealand
6. Services
Apart from the Loans, Deposits, Credit and
Debit Cards, Bank of Baroda offers other
services to make financial dealings easy and
convenient.
Demat
Baroda health
Remittances(baroda money express)
Collection services
ECS(electronic clearing services)
Government business(PPF , tax collection
and savings bonds)
8. Subsidiaries
Overseas
Bank of Baroda (Botswana) Ltd.
Bank of Baroda (Kenya) Ltd.
Bank of Baroda (Uganda) Ltd.
Bank of Baroda (Guyana) Ltd.
Bank of Baroda (UK) Ltd.
Bank of Baroda (Tanzania) Ltd
Bank of Baroda (Trinidad &
Tobago) Ltd.
Bank of Baroda (Ghana) Ltd.
10. Profitability Ratios
2011-12 2012-13
Return On Equity 6.09% 3.927%
Return on Asset 1.09% 0.89%
Interest Spread 4.02% 4.21%
Cost Income Ratio 45.38% 50.89%
Net interest margin 2.91% 2.90%
Credit-Deposit Ratio 82.36% 77.52%
11. ANALYSIS
Bank’s Cost income ratio decreased to
45.89% from previous yrs 50.89%
highlighting that banks costs are
rising but its interest income are rising
at a higher rate.
There is a increase in return on asset
depicting that assets were more
efficiently employed in 11-12 when
compared to 12-13.
12. ASSET QUALITY RATIOS
2011-12 2012-13
NPA Coverage 75.52% 69.25%
Total Capital Adequacy
Ratio
12.88% 12.91%
Interest Income to AWFs 7.78% 7.63%
Net NPAs to net
advances
.31% .47%
