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Currently, India has: 88 scheduled commercial banks (SCBs) 28 public sector banks (that is with the Government of India holding a stake) 29 private banks (these do not have government stake; they may be publicly listed and traded on stock exchanges) 31 foreign banks. They have a combined network of over 53,000 branches and 17,000 ATMs. According to a report by ICRA Limited, a rating agency, the public sector banks hold over 75 percent of total assets of the banking industry, with the private and foreign banks holding 18.2% and 6.5% respectively.

Sector Analysis : 

Sector Analysis Supply Liquidity is controlled by the Reserve Bank of India (RBI). Demand India is a growing economy and demand for credit is high though it could be cyclical. Barriers to entry Licensing requirement, investment in technology and branch network. Bargaining power of suppliers High during periods of tight liquidity. Trade unions in public sector banks can be anti reforms. Depositors may invest elsewhere if interest rates fall. Competition High- There are public sector banks, private sector and foreign banks along with non banking finance companies competing in similar business segments.

Profitability Drivers of Banks : 

Profitability Drivers of Banks Interest Income Fee Based Income Treasury Income Interest Expenditure Operating Expenses Staff

ROLE OF BANKS IN A DEVELOPING ECONOMY : 

ROLE OF BANKS IN A DEVELOPING ECONOMY Promoting capital formation Encouraging innovation Monetsation Influence economic activity Facilitator of monetary policy

Major Players in Banking sector : 

Indian Banks ICICI BANK Bank Of Baroda State Bank of India Punjab National Bank AXIS bank Corporation bank IDBI Foreign Banks HSBC Standard Chartered Bank Barclays Bank Deutsche Bank CitiBank Bank of America Major Players in Banking sector

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Banking channels are of the following types: Proxy Banking ATM Mobile/ Tele Banking/SMS Banking Internet Banking/E-Banking Merchant Banking

INTRODUCTION : 

INTRODUCTION The Maharajah of Baroda, Sir Sayajirao Gaekwad III, founded the bank on 20 July 1908 in the princely state of Baroda, in Gujarat and was nationalised on 19 July 1969, by the government of India. Bank of Baroda is the third largest bank in India, after the State Bank of India and the Punjab National Bank. Bank of Baroda has total assets in excess of Rs. 2.27 lakh crores, a network of over 3,000 branches and offices, and about 1,100 ATMs

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Bank of Baroda: Key Strengths Bank of Baroda is a 101 years old State-owned Bank with modern and contemporary personality, offering banking products and services to industrial and commercial, retail and agricultural customers across the country. Relatively Strong Presence In Progressive States like Maharashtra & Gujarat Uninterrupted Record in Profit-making and Dividend Payment Overseas Business Operations extend across 25 countries through 78 Offices First PSB to receive Corporate Governance Rating (CAGR-2) All Domestic Operations Covered under the CBS Pioneer in many Customer-Centric Initiatives Strong Domestic Presence through 3, 100 branches Modern & Contemporary Personality Provides Financial Services to over 36 million customers globally A well-accepted & recognised Brand in Indian banking industry

SERVICES : 

SERVICES Personal Banking Business Banking Corporate Banking International Banking Treasury Banking Rural Banking services

WIDE GLOBAL NETWORK : 

WIDE GLOBAL NETWORK First branch way back in 1953 in Mombassa, Kenya.  Network of 80 branches/ offices in 25 countries including 50 branches/offices of the Bank, 27 branches of its 7 Subsidiaries and 3 Representative Offices in Malaysia, Thailand & Australia. The Bank has presence in world's major financial centers i.e. New York, London, Brussels, Dubai, Hong Kong and Singapore.

Pattern of Shareholding: 31st Mar, 2010 : 

Pattern of Shareholding: 31st Mar, 2010 Share Capital Rs 365.53 crore No. of Shares 364.27 million Net worth Rs 13,785.14 crore B. V. per share Rs 378.40 Return on Equity (annualised): 22.19%

Efficiency Ratios : 

Efficiency Ratios

Bank’s Business Growth : 

Bank’s Business Growth

STATEMENT OF ASSETS & LIABILITIES : 

STATEMENT OF ASSETS & LIABILITIES

Performance : 

Performance Net Profit 15.37% Cost of funds 4.98% NIM 3.12% NII 54.2% CASA 35.63% Demand deposits Term deposits NPA 0.34% Coverage ratio 74.90%

EPS and CAR: : 

EPS and CAR:

vComparison with peers : 

vComparison with peers

AWARDS AND ACHIEVEMENTS : 

AWARDS AND ACHIEVEMENTS Bank of Baroda won three awards at Association of Business Communicators of India awards. It won in categories like Business Communication, Bilingual Internal Magazine and Corporate Film and Quarterly Economic Review. As per October 21, 2007 edition of Business Today Survey, Bank of Baroda was conferred with honor of being one amongst top ten marketers in India. It was only bank to have received that honor in that particular survey. Bank of Baroda won two awards at Outlook Money NDTV Profit Awards 2007 held on October 26, 2007. It won in two categories – Best Bank Award in Public Sector and Best Bank in Home Loan. On March 22, 2007 Bank of Baroda received AMITY Leadership Award for Sectoral Excellence in Banking.

THANK YOU : 

THANK YOU