Bob

Bank of baroda

1. Submitted by – A kshay saini

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 II I  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, including BOB

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)

7. Subsidiaries Domestic Bobcards ltd. BOB capital markets ltd. Nanital bank ltd.

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.

9. RATIO ANALYSIS

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%

13. Comparison between BOB n PNB V/S

14. Comparison on the basis on Ratios

15. ASSETS 26.61% 24.47%

16. Deposits