This is a presentation made on bank of baroda, about its formation how it was started and its journey to became a India's top nationalised bank.....

1. NAME: PRASAD .D. GURAV NAME: MITESH KUMAR
ROLL NO: 215 ROLL NO: 266
T.Y.BCOM - ‘B’

2. CONTENTS
• Company’s History
• Management
• Board of Directors
• Shareholding pattern
• Corporate Government Report
• Auditors Report
• Financial Statements
• Ratio analysis
• Conclusion

3. Maharaja Sayajirao Gaekwad III
The founder of Bank of Baroda
The bank was founded by the
Maharaja of Baroda, Maharaja
Sayajirao Gaekwad III on 20 July
1908. The bank, along with 13 other
major commercial banks of India, was
nationalised on 19 July 1969, by the
Government of India and has been
designated as a profit-making public
sector undertaking (PSU).
HISTORY

4. THE HEROES
 No history is complete without mention of its heroes, mostly
ordinary people, who turn in extra-ordinary performances and
contribute to building an institution. Over the years, there have
been thousands of such people . The Bank salutes these
"committed soldiers" who passionately helped to create the legend
of Bank of Baroda.
 There were also the leaders, both corporate and royal, who
provided the vision and guided the Bank through trail blazing years,
and departing, left behind footprints on the sands of time. This Roll
of Honor will be incomplete without mention of men, of the stature
of Maharaja Sayajirao, Gaekwad,Sampatrao Gaekwad, Ralph
Whitenack, Vithaldas Thakersey, Tulsidas Kilachand and NM
Chokshi.

6. ABOUTBOB
 Third largest Public Sector bank in India, after State
Bank of India and Punjab National Bank
 Founded in 1908
 Headquartered at Baroda(VADODARA)
 It has total of 5573 branches including 111 overseas
 Has a total staff of more than 43587
 CMD of BOB is P.S.Jayakumar

7. TIMELINE
• 1908:MaharajaSayajiraoGaekwadIII setupBankofBaroda (BOB).
• 1910:EstablisheditsfirstbranchinAhmedabad
• 1953:EstablishedabranchinMombasa andanotherinKampala
• 1959:AcquiredHindBank.
• 1961:MergedinNewCitizenBankofIndia.Thismergerhelpedit increase
its branchnetworkinMaharashtra
• 1969:BOB wasnationalized.
• 1975:BOB acquiredthemajorityshareholdingandmanagement controlof
BareillyCorporationBank and NainitalBankboth
inUttarPradesh
• 1998:BOB alsoacquiredPunjabCooperativeBankinarescue.

8. • 2007:BOB's totalbusinesscrossed2.09lakhcrores,itsbranchescrossed
1000.
• 2009:BOB registeredwiththeReserveBankof New Zealand,enablingit
totradeas a bankinNewZealand.
• 2010:BOB alsoopeneda branchinNewZealand.
• 2011:BOB openedan ElectronicBankingServiceUnit(EBSU)
was opened at HamriyaFreeZone,Sharjah(UAE).
• It alsoopenedfournewbranchesinexistingoperationsin
Uganda, Kenya,andGuyana

9. OUR VISION & MISSION
• MissionStatement

10. A SAGA OFVISION &ENTERPRISE
 It hasbeen along and eventful journey of almost a
century across25 countries. Starting in 1908 froma
small building in Barodato its new hi-rise and hi-
tech BarodaCorporate Centre in Mumbai, it isa
sagaof vision, enterprise, financial prudence and
corporategovernance.
 It isastory scripted in corporate wisdom and
social pride. It isastory crafted in private capital,
princely patronage and state ownership. It isa
story of ordinary bankersand their extraordinary
contribution in the ascentof Bankof Barodato
the formidable heights of corporate glory. It isa
story that needsto be sharedwith all those
millions of people - customers,stakeholders,
employees & the public at large - who in ample
measure, have contributed to the making of an
constitution.

11. BARODA CORPORATECENTREATMUMBAI

12. INTRODUCTION
A Saga of Vision and Enterprise
It has been a long and eventful journey of almost a century across 22 countries. Starting
in 1908 from a small building in Baroda to its new hi-rise and hi-tech Baroda Corporate
Centre in Mumbai, is a saga of vision, enterprise, financial prudence and corporate
governance.
It is a story scripted in corporate wisdom and social pride. It is a story crafted in private
capital, princely patronage and state ownership. It is a story of ordinary bankers and their
extraordinary contribution in the ascent of Bank of Baroda to the formidable heights of
corporate glory. It is a story that needs to be shared with all those millions of people -
customers, stakeholders, employees & the public at large - who in ample measure, have
contributed to the making of an institution.

13. Our Logo
Our logo is a unique representation of a universal symbol. It comprises dual ‘B’
letterforms that hold the rays of the rising sun. We call this the Baroda Sun.
The sun is an excellent representation of what our bank stands for. It is the single
most powerful source of light and energy – its far reaching rays dispel darkness to
illuminate everything they touch. At Bank of Baroda, we seek to be the source
that will help all our stakeholders realise their goals. To our customers, we seek to
be a one-stop, reliable partner who will help them address different financial
needs. To our employees, we offer rewarding careers and to our investors and
business partners, maximum return on their investment.
The single-colour, compelling vermillion palette has been carefully chosen, for its
distinctiveness as it stands for hope and energy.
We also recognize that our bank is characterised by diversity. Our network of
branches spans geographical and cultural boundaries and rural-urban divides.
Our customers come from a wide spectrum of industries and backgrounds. The
Baroda Sun is a fitting face for our brand because it is a universal symbol of
dynamism and optimism – it is meaningful for our many audiences and easily
decoded by all.
Our new corporate brand identity is much more than a cosmetic change. It is a
signal that we recognize and are prepared for new business paradigms in a
globalised world. At the same time, we will always stay in touch with our heritage
and enduring relationships on which our bank is founded. By adopting a symbol
as simple and powerful as the Baroda Sun, we hope to communicate both.

14. BOARD OF DIRECTORS
Managing Director & CEO
Shri P. S. Jayakumar
Mr. Jayakumar is currently a
member of the Board of Directors
of the following entities that are
part of the Bank of Baroda
Group:
BOB Capital Markets Limited
BOBCARDS Limited
IndiaFirst Life Insurance
Company Limited
India International Bank
Malaysia Berhad

15. Executive Directors
Smt. Papia Sengupta Shri S. L. Jain
Shri Vikramaditya Singh Khichi

16. Directors
Shri Debasish Panda
Shri Gopal Krishan Agarwal
Shri Ajay Kumar

17. Prof. Biju Varkkey Smt. Soundara Kumar Shri Bharatkumar D. Dangar
Shri Srinivasan Sridhar

18. Shareholders/Investors Services
Bank of Baroda was one of the early movers in Public Sector Banks to have tapped
the equity market in December 1996. Further the Bank has come out with a "Follow
on Public Offer" in January 2006. The Bank has also issued equity shares to the
Government of India on Preferential Basis in March 2011, March 2013, January 2014,
March 2015 and Sept. 2015, March 2018 and to LIC of India in March 2012, pursuant
to SEBI (Issue of Capital and Disclosure Requirements) Regulations, 2009, as
amended. The Government of India holds 64.03% of total paid up equity of the Bank
as on 31.03.2018. The Bank has reduced the face value of its equity shares from
Rs.10/- each to Rs.2/- each (Rupees TWO Only) by sub dividing ONE equity share in
to FIVE w.e.f. 24th January 2015 (Record Date being 23rd January 2015). At present,
out of the total paid up equity capital of 264,55,16,132 equity shares of Rs.2/- each
fully paid up, the Public Shareholding is as large as 35.97%, which is held by Retail
Investors, Employees, Banks and Financial Institutions, FIIs and NRIs, Mutual Funds,
Insurance Companies and Others.

19. CORPORATE GOVERNMENT REPORT
MEETINGS OF BOARD Board is required to meet a minimum of six times a year. During
the Financial Year 2017-18, thirteen meetings were held. The dates of the meetings and
attendance of the Directors are as under: No. of Meetings held: 13

20. Audit Committee of the Board (ACB)
• ACB follows up for compliance of all the issues raised by RBI the during Risk Based
Supervision of the Bank under Section 35 of B.R. Act 1949. It also follows up on various issues
raised in the Long Form Audit Report (LFAR). The Committee comprises of 5 Members (i) GOI
Nominee Director, (ii) RBI Nominee Director, (iii) Bank’s Executive Director – In charge of
Internal Audit Function (iv) CA Director and (v) One Non-Executive Director.

21. Stakeholders Relationship Committee
The Committee monitors the issuance of share certificates within a period of -15- days of
the date of lodgment for transfer, sub-division, consolidation, renewal, exchange or
endorsement of calls / allotment money. The Committee further monitors the redressal
of investors’ complaints in a time bound manner. The Committee consists of Executive
Director (s) and two non-Executive Directors as its members with a Non-Executive
Director as its Chairman.

22. CACB
The credit proposals which exceed the powers delegated to Managing Director & CEO
and are upto ` 400 crore are considered for approval by the CACB. The Committee
comprises of all Whole Time Directors, CFO, CRO and respective Heads of verticals

23. Title Schedules
As on 31st March
2018
As on 31st March
2017
Capital 1 530,36,44 462,09,31
Reserves and
Surplus
2 42864,40,75 39841,16,02
Deposits 3 591314,82,24 601675,17,29
Borrowings 4 62571,97,19 30611,44,00
Other Liabilities
and Provisions
5 22718,20,54 22285,55,73
TOTAL 719999,77,16 694875,42,35
Capital & Liabilities
(₹ in lakhs)

24. Title Schedules As on 31st March 2018 As on 31st March 2017
Cash and Balances with
Reserve
Bank of India
6 22699,63,98 22780,21,33
Balances with Banks
and Money at
Call and Short Notice
7 70197,73,91 127689,69,92
Investments 8 163184,53,05 129630,53,96
Advances 9 427431,83,13 383259,22,31
Fixed Assets 10 5367,39,22 5758,37,34
Other Assets 11 31118,63,87 31118,63,87
TOTAL 719999,77,16 694875,42,35
Contingent Liabilities 12 298226,66,31 252518,96,05
Bills for Collection 45779,69,17 37599,41,85
Significant Accounting
Policies
17
Notes on Accounts 18
Assets

25. Profit & Loss Account for the year ended 31st March, 2018
(₹ in crore)

26. Contd…

27. Contd…

28. RATIO ANALYSIS

29. Contd…

30. Contd…

31. AUDITOR’S REPORT
The Balance Sheet and the Profit and Loss Account have been drawn up in Forms "A" and
"B" respectively of the Third Schedule to the Banking Regulation Act, 1949.
Subject to the limitations of the audit indicated in paragraph 1 to 5 above and as required
by the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970/1980 and
subject also to the limitations of disclosure required therein, we report that;
We have obtained all the information and explanations which to the best of our knowledge
and belief, were necessary for the purposes of our audit and have found them to be
satisfactory;
The transactions of the Bank, which have come to our notice, have been within the powers
of the Bank; and
The returns received from the offices and branches of the Bank have been found adequate
for the purposes of our audit;

32. We further report that:
The Balance Sheet and Profit and Loss account dealt with by this report are in agreement
with the books of account and returns;
The reports on the accounts of the branch offices audited by branch auditors of the Bank
under section 29 of the Banking Regulation Act, 1949 have been sent to us and have been
properly dealt with by us in preparing this report; and
In our opinion, the Balance Sheet, Profit and Loss Account and Cash Flow Statement
comply with the applicable accounting standards.
The standalone financial statements of the Bank for the year ended March 31, 2017 were
audited by other joint audit firms of the Bank, one of whom is the continuing audit firm.
Those auditors have expressed an unmodified opinion vide their report dated May 18,
2017 on such standalone financial statements.

33. AWARDS
 Bloomberg UTVFinancial LeadershipAward –BestPSUBanking,2012.
 BestCIOAward of BFSIsector from Institute of Public Enterprises,2012.
 ReserveBankRajbhashaShield from RBIGovernor,2012.
 BestPublic Sector Bankunder the category Global BusinessDevelopment-
Overall BestPublic Sector Bank.
 BankingTechnologyAward-2011 byIBA.
 Useof Technologyin Training & e-learning– Winner
 BestCustomer Relationship initiatives – 1st Runner up.
 Bestuseof BusinessIntelligence – 1st Runnerup.
 Bestuseof mobility tech in Banking – 2nd Runnerup.
 BestRiskmanagement & Security initiatives – 2nd Runnerup.
 BusinessIndia BestBankAward 2012.
 ForbesIndia LeadershipAward – BestCEOPublic Sector.

34. Shri P.S. Jaykumar, MD & CEO received the first award at the hands of
His Excellency, The president of India , Mr. Ramnath Kovind
Bank of Baroda has won the three awards under the Atal Pension Yojana
Scheme (APY)
Asian Business Leadership Forum has conferred upon Business
Innovator award -2017 to our MD & CEO Mr. P S Jayakumar.
Bank of Baroda won -4- Awards at the 57th Association of Business
Communicators of India (ABCI) Awards.
IBS India Banking Summit & Awards 2018 has conferred upon Retail
Bank of the year to Bank of Baroda & CEO of the year to our MD & CEO
Mr. P S Jayakumar
Banking Frontiers Finnoviti 2018 Awards - Award for Financial Inclusion
to Bank of Baroda

35. SUBSIDARIES

36. ACQUISITIONS
• BOBacquired BenaresState Bank(BSB)at the ReserveBank
of India’s request. BSBwasestablished in 1946 but tracedits
origins back to1871 and its function asthe treasury office of
the Benaresstate. In 1964, BSBhad acquired Bareilly Bank
(est. 1934), with sevenbranches; it also had taken over
Lucknow Bankin 1968. Theacquisition of BSBbrought BOB
105 new branches.
• BoBacquired the failed Gujarat LocalArea Bank, andreturned
to Tanzaniaby establishing asubsidiary in Dar-es-Salaam

37.  1959 - BOBacquired HindBank
 1961 - BOBmerged with New Citizen BankofIndia,
Maharashtra
 1963 - Acquired New Surat Banking Corporation,
Gujarat
 1964 - Acquired two banks: Umbergaon PeoplesBank
in Southern Gujarat and TamilNadu Central Bankin
Tamilnadu
 1998 - Acquired Punjab Cooperative Bank
 1999 - Merged with Bareilly CorporationBank
 2001 - Acquired BenaresState Bank

38. Baroda Manipal Postgraduate
Diplomain Banking and
Finance
• Bank of Baroda and Manipal University have established the
Baroda Manipal School of Banking, which offers a
Postgraduate Diploma in Banking & Finance (PGDBF) from
Manipal University.
• The duration of the course is just one year, after which,
successful graduates will join Bank of Baroda as management
trainees.

39.  Baroda SwarozgarVikasSansthanfor imparting training to unemployed
youth, free of cost, for gainful self employment and entrepreneurship skill
development.
 Bankhasalso established Baroda Gramin ParamarshKendra for
knowledge sharing, problem solving and credit counseling forrural
massesacrossthe country.
 Providing support to organizations extending support to handicapped
personslike blind, lame, deaf and dumb, etc. or suffering from any other
disabilities.
 Promoting the promotion and useof non exhaustible sourcesof energy
like solar power, gobar gasplants in ruralareas.

40. CONCLUSION
BANK OF BARODA – an international bank of India. As the tag line of the bank
suggests it is the bank which has stepped in the Global market and has left his
footprints everywhere.
Bank of Baroda is an organization which had believe in the saving that everyone
has to change with the time.
BOB has always provided the goods and services and hospitality to its customers
the all branched have been applied with core banking services.
The employees involve themselves in work and are ready to share responsibilities in
LIC LIFE.
Seniors guide their juniors and prepare them for the future responsibilities or role
they are likely to take them up.
Officers in LIC LIFE believe that employee behaviour can be changed and people
can be developed at any stage of your life.