Submitted by –Akshay saini

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

Mission Statement

To be a top ranking National Bank of International Standards committed to augmenting stake holders' value through concern, care and competence.

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,

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

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)

Subsidiaries

Domestic◦ Bobcards ltd.

◦ BOB capital markets ltd.

◦ Nanital bank ltd.

Subsidiaries

OverseasBank 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) LtdBank of Baroda (Trinidad &

Tobago) Ltd.Bank of Baroda (Ghana) Ltd.

RATIO

ANALYSIS

Profitability Ratios2011-12 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%

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.

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%

Comparison between

BOB n PNB

V/

S

Comparison on the basis on

Ratios

0

5

10

15

20

25

7.48

19.37

1.79

9.628.71

24.22

1.92

9.75

bank of baroda

pnb

ASSETS

0

50000

100000

150000

200000

250000

300000

BOB PNB

179599.51

203,744.46

227406.72

253,612.42

2007-08

2008-09

26.61

%

24.47

%

Deposits

0

5

10

15

20

25

30

bank ofbaroda

pnb

26.5 26

% Change in deposits

% Change in deposits