- Bank of Baroda (BOB) was founded in 1908 in Baroda, India with a paid up capital of Rs. 10 lacs under the leadership of Maharaja Sayajirao Gaekwad III.
- It is currently the third largest public sector bank in India with over 4,283 branches across India and 111 branches overseas.
- Over the years, BOB has grown organically and through mergers and acquisitions. It has expanded its operations across 25 countries globally.
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
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
Project on SBI -
I would like to acknowledge a deep sense of gratitude to Mr. Hitesh Rawat, Senior Manager of State Bank of India at Kalbadevi Road, Mumbai for giving me the opportunity & time to work on this project and given me all vital input which has led to completion of this project. Without their guidance this project would have remained in pipe dream.
I am also thankful to State Bank of India employees, who directly & indirectly extended their co-operation and invaluable support to me
project report on ADVERTISEMENT AND PROMOTION IN SERVICE ORHANISATIONS(J&K ba...shahidyas
A complete project on ADVERTISEMENT AND PROMOTION IN SERVICE ORGANISATION( reference to J&k bank) for the requirement of degree MBA
SHAHID QADIR
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US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
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Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
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USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
Resume
• Real GDP growth slowed down due to problems with access to electricity caused by the destruction of manoeuvrable electricity generation by Russian drones and missiles.
• Exports and imports continued growing due to better logistics through the Ukrainian sea corridor and road. Polish farmers and drivers stopped blocking borders at the end of April.
• In April, both the Tax and Customs Services over-executed the revenue plan. Moreover, the NBU transferred twice the planned profit to the budget.
• The European side approved the Ukraine Plan, which the government adopted to determine indicators for the Ukraine Facility. That approval will allow Ukraine to receive a EUR 1.9 bn loan from the EU in May. At the same time, the EU provided Ukraine with a EUR 1.5 bn loan in April, as the government fulfilled five indicators under the Ukraine Plan.
• The USA has finally approved an aid package for Ukraine, which includes USD 7.8 bn of budget support; however, the conditions and timing of the assistance are still unknown.
• As in March, annual consumer inflation amounted to 3.2% yoy in April.
• At the April monetary policy meeting, the NBU again reduced the key policy rate from 14.5% to 13.5% per annum.
• Over the past four weeks, the hryvnia exchange rate has stabilized in the UAH 39-40 per USD range.
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
2. • It all started with a visionary of Maharaja of Baroda, H.H. Sir
Sayajirao Gaekwad III’s.
• On 20th July 1908, under the Companies Act of 1897, and with a
paid up capital of Rs 10 Lacs started the legend that has now
translated into a strong, trustworthy financial body, THE BANK
OF BARODA.
3. 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.
4.
5. ABOUT BOB
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 4283 branches including
Has a total staff of 43587
CMD of BOB is S S Mundra
111overseas
6. • 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
• 1969: BOB was nationalized.
• 1975: BOB acquired the majority shareholding and management
control of Bareilly Corporation Bank and Nainital Bank both
in Uttar Pradesh
• 1998: BOB also acquired Punjab Cooperative Bank in a rescue.
7. • 2007: BOB's total business crossed 2.09 lakh crores, its branches crossed
1000.
• 2009: BOB registered with the Reserve Bank of New Zealand, enabling it
to trade as a bank in New Zealand.
• 2010 : BOB also opened a branch in New Zealand.
• 2011 : BOB opened an Electronic Banking Service Unit (EBSU) was
opened at Hamriya Free Zone, Sharjah (UAE).
•
It also opened four new branches in existing operations in
Uganda, Kenya, and Guyana
9. A SAGA OF VISION & ENTERPRISE
It has been a long and eventful journey of almost a
century across 25 countries. Starting in 1908 from a
small building in Baroda to its new hi-rise and hitech Baroda Corporate Centre in Mumbai, it 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 constitution.
16. AWARDS
Bloomberg UTV Financial Leadership Award –Best PSU Banking,2012.
Best CIO Award of BFSI sector from Institute of Public Enterprises, 2012.
Reserve Bank Rajbhasha Shield from RBI Governor,2012.
Best Public Sector Bank under the category Global Business DevelopmentOverall Best Public Sector Bank.
Banking Technology Award-2011 by IBA.
Use of Technology in Training & e-learning – Winner
Best Customer Relationship initiatives – 1st Runner up.
Best use of Business Intelligence – 1st Runner up.
Best use of mobility tech in Banking – 2nd Runner up.
Best Risk management & Security initiatives – 2nd Runner up.
Business India Best Bank Award 2012.
Forbes India Leadership Award – Best CEO Public Sector.
17. ACHIEVEMENTS
Bank’s Global Business expanded by 19.3% (y-o-y) to Rs 8,02,069 crore by
end-March, 2013. Within this, the Domestic Business expanded by 17.4%
to Rs 5,66,000 crore and the Overseas Business increased by 24.2% to Rs
2,36,069 crore.
The Global Deposits of your Bank registered a growth of 23.1% (y-o-y) to
Rs 4,73,883 crore by end-March 2013.
The Domestic Deposits expanded by 22.0% to Rs 3,41,706 crore, while the
Overseas Deposits rose by 26.2% to Rs 1,32,178 crore.
Amidst aforementioned challenges, your Bank’s CASA deposits increased
by 15.9% (y-o-y) to Rs 1,19,981 crore.
The share of Domestic CASA as on 31st March 2013 stood at 30.38%.
19. ACQUISITIONS
• BOB acquired Benares State Bank (BSB) at the Reserve Bank
of India’s request. BSB was established in 1946 but traced its
origins back to 1871 and its function as the treasury office of
the Benares state. In 1964, BSB had acquired Bareilly Bank
(est. 1934), with seven branches; it also had taken over
Lucknow Bank in 1968. The acquisition of BSB brought BOB
105 new branches.
• BoB acquired the failed Gujarat Local Area Bank, and returned
to Tanzania by establishing a subsidiary in Dar-es-Salaam
20. 1959 - BOB acquired Hind Bank
1961 - BOB merged with New Citizen Bank of India,
Maharashtra
1963 - Acquired New Surat Banking Corporation,
Gujarat
1964 - Acquired two banks: Umbergaon Peoples Bank
in Southern Gujarat and TamilNadu Central Bank in
Tamilnadu
1998 - Acquired Punjab Cooperative Bank
1999 - Merged with Bareilly Corporation Bank
2001 - Acquired Benares State Bank
21. AFFILIATES
• India First Life Insurance Company is a joint
venture between Bank of Baroda (44%) and fellow
Indian public sector bank Andhra Bank (30%), and
UK’s financial and investment company Legal &
General (26%). It was incorporated in November,
2009 and has its headquarters in Mumbai.The
company started strongly, achieving a turnover in
excess of Rs. 2 billion in its first four and half months.
22. Baroda Manipal Postgraduate Diploma in
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.
23. Baroda Swarozgar Vikas Sansthan for imparting training to unemployed
youth, free of cost, for gainful self employment and entrepreneurship skill
development.
Bank has also established Baroda Gramin Paramarsh Kendra for
knowledge sharing, problem solving and credit counseling for rural
masses across the country.
Providing support to organizations extending support to handicapped
persons like blind, lame, deaf and dumb, etc. or suffering from any other
disabilities.
Promoting the promotion and use of non exhaustible sources of energy
like solar power, gobar gas plants in rural areas.
24. During the Financial Year FY13, your Bank disbursed donations amounting
to Rs.699.74 lakh to various organizations engaged in the field of
education, health, women welfare etc. The activity-wise disbursement of
donations are as follows.
29. COMPETITORS
• PUNJAB NATIONAL BANK (PNB)
• STATE BANK OF INDIA (SBI)
• INDUSTRIAL CREDIT AND INVESTMENT
CORPORATION OF INDIA (ICICI)
30.
31. • Political factors include government policies
relating to the industry, tax policies, laws and
regulations, trade restrictions and tariffs etc.
• Economic factors relate to changes in the
wider economy such as economic growth,
interest rates, exchange rates and inflation
rate, etc.
32. • Social factors often look at the cultural aspects
and include health consciousness, population
growth rate, age distribution , changes in
tastes and buying patterns, etc.
• Technological factors relate to the application
of new inventions and ideas such as R&D
activity, automation, technology incentives
and the rate of technological change