banking (bank of baroda)

7/24/2019 Banking (Bank of Baroda)

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PROJECT ON

BANKING REGULATION &ANNUAL

REPORT BANK OF

BARODA

M.COM. SEMISTER - I

SUBMITTED TO UNIVERSITY OF

MUMBAI

PREPARED BY LAXMI S. JAISWAR

ROLL NO 14

UNDER THE GUIDENCE OF PROF.

TARUNA MAKHIJA


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J. WATUMUL SADHUBELLA

GIRLS COLLEGE

ACADEMIC YEAR - !1" !1#

D$%'(')*+,

I, LAXMI JAISWAR student of J.W.SADHUBELLA GIRLS

COLLEGE, M.Com1(Semester-1) hereby declare that I have completed

this project on BANK OF BARODA in the academic year !"1#-

!"1$.

%he information submitted is true &ori'inal to the best of my

noled'e....

Student Signatue

!LAXMI JAISWAR"


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CERTIFICATE

I , *+. %/0/ M/23I4/5 here by certify that *6/7MI

4/IS8/5 of M.CM +/%-1. Master of commerce of 4.8.

S/930:;66/


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WATUMULL SADHUBELLA GIRLS COLLEGE

UNIVERSITY OF MUMBAI

CERTIFICATE

This is to certify tht ! LA"MI #AISWAR $ Mster of

co%%erce &se%ester ' ( for the c)e%ic yer

*+', - *+'. hs co%/0ete) the /ro1ect o2 BANKOF BARODA 32)er the 43i)2ce of

5ROF6TARUNA MA7HI#A 6

5ROF6 TARUNA MA7HI#A 5ROF6 7IRAN

MENGHANI


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&5ro1ect G3i)e(

&Co-or)i2tor(

5ROF6 R6H6 SURYRAO

&5ri2ci/0e(

&E8ter20 e8%i2er(

ACKNOWLEDGEMENT

I tae this opportunity to present a senseof 'ratitude toards my project $ROF. %ARUNA

MAKHIJA for her e?cellent 'uidance and lettin' me no

about project name and its need in today5 orld . 3er

understandin' and personal 'uidance have provided a 'ood basis

for this project.

I ould also lie to than colle'e authorities, our principal

and coordinator 'uide for authori@in' my project.


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METHODOLOGY

The /ro1ect is theoretic0 s 9e00 s

:2o90e)4e6

A0so it c2 co2ti2 i)es 2) i2for%tio2 i%/rte)

;y the /ro1ect 43i)e6

S$%+,/'(0 /')' -


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The seco2)ry )t re


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OBJECTIVE OF THE PROJECT

B2:s re the Fi22ci0 I2stit3tio2 9hich stis>esthe i2)i=i)30 ? 4ro3/ 4o0s 9ith /ro/er syste%s of

r30es@ re430tio2s@ /o0icies@ ser=ices@ /roce)3res?

strte4ies6 To chie=e the 4o0s 2) o;1ecti=es the

%i2 co%/o2e2t of the ;2:s re the c3sto%ers

6B2:s re the )i=ersi>e) >22ci0 ser=ices

co%/2y tht /ro=i)e r24e of ser=ices toc3sto%er i2c03)i24 reti0 ;2:i24@ =e2t3re c/it0@

/ri=te e22ce etc 6The i%

of the ;2:s is to /ro=i)e stte-of-the-rt@ 0o9 cost

2) ecie2t ;2:i24 ser=ices@ 9ith foc3s o2


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i2cresi24 fee-;se) i2co%e6 Ne9 i22o=ti=e

/ro)3cts re ;ee2 oere)@ e=e2 s%00 i2=estor is

;0e to i2=esti24 s3ch /ro)3cts 6I2)i$s >22ci0

ser=ices sector is e8/ecte) e21oy 4e2er00y stro244ro9th )3ri24 co%i24 yers@ )ri=e2 ;y risi24

/erso20 i2co%es@ >22ci0 sector 0i;er0itio2

2) the 4ro9th of %ore co2s3%er orie2te)@

cre)it-orie2te) c30t3re6 This is e8/ecte) to 0e) to

i2cresi24 )e%2) for >22ci0 /ro)3cts@ i2c03)i24

co2s3%er 0o2s s 9e00 s i2=est%e2t /ro)3cts6

INDEX

SR.

NO.

PARTICULAR PAGE

NO.1. WHAT IS BANKING COMPANY

INTRODUCTION OF BANK OF

BARODA

2. AIMS AND OBJECTIVES OF BANKOF BARODA

4 FUNCTION OF BANK OF BARODA

". FEATURES OF BANK OF BARODA


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#. HISTORY OF BANK OF BARODA

3. SUBSIDIARIES

. ANNUAL REPORT OF BANK OFBARODA BALANCESHEET AND

PROFIT & LOSS5. SUGGESTION

1O. CONCLUSION

11. BIBLOGRAPHY & WEBLOGRAPHY

WHAT IS BANKING COMPANY

I2 si%/0e 9or)s@ B2:i24 c2 ;e )e>2e) s the ;3si2ess

cti=ity of cce/ti24 2) sfe43r)i24 %o2ey o92e) ;y

other i2)i=i)30s 2) e2tities@ 2) the2 0e2)i24 o3t this

%o2ey i2 or)er to er2 /ro>t6 Ho9e=er@ 9ith the

/ss4e of ti%e@ the cti=ities co=ere) ;y ;2:i24

;3si2ess h=e 9i)e2e) 2) 2o9 =rio3s other ser=ices

re 0so oere) ;y ;2:s6 The ;2:i24 ser=ices these)ys i2c03)e iss32ce of )e;it 2) cre)it cr)s@ /ro=i)i24

sfe c3sto)y of =03;0e ite%s@ 0oc:ers@ ATM ser=ices 2)

o20i2e tr2sfer of f32)s cross the co32try 9or0)6


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It is 9e00 si) tht ;2:i24 /0ys si0e2t@ yet cr3ci0 /rt

i2 o3r )y-to-)y 0i=es6 The ;2:s /erfor% >22ci0

i2ter%e)itio2 ;y /oo0i24 s=i24s 2) ch22e0ii24 the%

i2to i2=est%e2ts thro34h %t3rity 2) ris:tr2sfor%tio2s@ there;y :ee/i24 the eco2o%y$s 4ro9th

e24i2e re==i246

B2:i24 ;3si2ess hs )o2e 9o2)ers for the 9or0)

eco2o%y6 The si%/0e 0oo:i24 %etho) of cce/ti24 %o2ey

)e/osits fro% s=ers 2) the2 0e2)i24 the s%e %o2ey

to ;orro9ers@ ;2:i24cti=ity e2co3r4es the o9 of

%o2ey to /ro)3cti=e 3se 2) i2=est%e2ts6 This i2 t3r200o9s the eco2o%y to 4ro96 I2 the ;se2ce of ;2:i24

;3si2ess@ s=i24s 9o30) sit i)0e i2 o3r ho%es@ the

e2tre/re2e3rs 9o30) 2ot ;e i2 /ositio2 to rise the

%o2ey@ or)i2ry /eo/0e )re%i24 for 2e9 cr or ho3se

9o30) 2ot ;e ;0e to /3rchse crs or ho3ses6

DEFINATION OF BANKING COMPANY

A6 7$( S$%)*+, "8%9 +: );$ B',')*+, A%)?

1545 ' @B',6*,$66 +: ',


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7>(7+6$ +: $,/*,= +( *,$6)$,)? +: /$7+6*)6 +:

+,$0 :(+ );$ 7>*%? ($7'0'$ +, /$',/ +(

+);$(*6$? ',/ *);/(''6 0 %;$>$? /(':)? +(/$(

+( +);$(*6$.

A6 7$( S$%)*+, "8/9 +: );$ B',')*+, A%)?

1545 ? @%+7',0@ $',6 ',0 %+7',0 '6 /$,$/

*, S$%)*+, 2 +: );$ C+7',*$6 A%)? 15"# ',/

*,%>/$6 ' :+($*=, %+7',0 *);*, );$ $',*,= +:

S$%)*+, "51 +: );') A%).

INTRODUCTION OF BANK OF BARODA

B2: of Bro) is o2e of the %ost /ro%i2e2t ;2:s i2

I2)i@ h=i24 its tot0 ssets s Rs6 '@ @'. Crores s o2

'st of Mrch *++6 The ;2: 9s fo32)e) ;y Mhr1


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Sio21i ro Gi:9) III s the the2 Mhr1 of Bro) o2

*+th of #30y '+J 9ith /i) c/it0 of Rs6 '+ Lc:s 6

Fro% its i2tro)3ctio2 i2 s%00 ;3i0)i24 of Bro)@ the

;2: hs co%e 0o24 9y to chie=e its c3rre2t /ositio2s o2e of the %ost i%/ort2t ;2:s i2 I2)i6 O2 'th of

#30y '.@ B2: of Bro) 9s 2tio20ie) ;y the

Go=er2%e2t of I2)i 0o24 9ith ' other co%%erci0

;2:s 6

The ;2: oers 9i)e rry of c3sto%ie) 2)

s/eci0ie) ser=ices to %eet the )i=erse 2ee)s of its

c3sto%ers@ 2) these ser=ices h=e ;ee2 cte4orie)

i2to 5erso20 B2:i24@ B3si2ess B2:i24@ Cor/orte

B2:i24@ I2ter2tio20 B2:i24@ Tres3ry B2:i24 2)

R3r0 B2:i24 ser=ice6

DEFINITION & MEANING OF BANK

DEFINITION


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A >22ci0 i2stit3tio2 tht is 0ice2se) to )e0 9ith %o2ey

2) its s3;stit3tes ;y cce/ti24 ti%e 2) )e%2)

)e/osits@ %:i24 0o2s@ i2=esti24 i2sec3rities6 The ;2:4e2ertes /ro>ts fro% the )iere2ce i2 the i2terest rtes

chr4e) 2) /i)6

MEANING

A ;2: is >22ci0 i2stit3tio2 0ice2se) ;y 4o=er2%e2t6

Its /ri%ry cti=ities i2c03)e ;orro9i24 2) 0e2)i24

%o2ey6 M2y other >22ci0 cti=ities 9ere 00o9e) o=er

ti%e6 For e8%/0e@ ;2:s re i%/ort2t 50yer si2

>22ci0 %r:ets 2) oer >22ci0 ser=ices s3ch s

i2=est%e2t f32)s6

I2 so%e co32tries s3ch s Ger%2y@ ;2:s h=e

historic00y o92e) %1or st:es i2 i2)3stri0 cor/ortio2s9hi0e i2 other co32tries s3ch s the U2ite) Sttes ;2:s

re /rohi;ite) fro% o92i24 2o2->22ci0 co%/2ies6 I2

#/2@ ;2:s re 3s300y the 2e83s of cross-shre

ho0)i24 e2tity :2o92 s the i;ts36

I2 Fr2ce@ ;2c ss3r2ce is /re=0e2t@ s %ost ;2:s

oer i2s3r2ce ser=ices &2) 2o9 re0 estte ser=ices( to

their c0i2e6

AIM & OBJECTIVES OF BANK OF BARODA


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To i)e2tify@ orie2t@ %oti=te@ tri2 yo3th 2) i%/rt

the% the :2o90e)4e 2) s:i00 for t:i24 3/ se0f

e%/0oy%e2t =e2t3res6

To )e=e0o/ ttit3)e for 9or:i24 i2 r3r0 res@ i2 r3r0

)e=e0o/%e2t /ro1ects6

To ssist tri2e) yo3th i2 se0f e%/0oy%e2t s fr s

/ossi;0e@ i2 o;ti2i24 cre)it fro% ;2: other

>22ci0 i2stit3tio2@ 2) to ssist the% i2s3ccessf300y setti24 3/ their o92 =e2t3res6

To co2)3ct =rio3s tri2i24 /ro4r%%ers$ &either

i2)e/e2)e2t or i2 co00;ortio2 9ith other

or42itio2( co22ecte) 9ith r3r0 tech2o0o4y@ r3r0

)e=e0o/%e2t 2) e2tre/re2e3rshi/ )e=e0o/%e2t6

To /ro=i)e co32se0i24 2) co2s30t2cy 43i)2ce 9ith

00 /ossi;0e he0/ to the yo3th i2 the >e0) of Se0f

E%/0oy%e2t 2) R3r0 De=e0o/%e2t6

Wor: for )e=e0o/%e2t of =i004ers 2)


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co32try 9ith foc3s o2 e8/2)i24 its 2et9or: i2

o3r 0e) )istricts6The BSVS tr3st fo32)e) i2 *++ ;y o3r B2: for

/ro%oti24 R3r0 E2tre/re2e3rshi/ hs 2o9;r2che) o3t to BSVS ce2tre$s 9ith /2 I2)i

co=er4e i2 sttes of 9hich -'.- re i2

Uttr/r)esh@ -*- i2 Uttr:h2)@ -'*- i2 R1sth2@

-'- i2 G31rt@ -*- i2 M)hy 5r)esh@ -*- i2 Bihr

2) -'- i2 Mhrshtr stte6

O3r A1%er &R1sth2( R-SETI is )e)icte)

e8c03si=e0y for tri2i24 9o%e2 ;e2e>ciries@ 2)

%24e) ;y 9o%e2 Director6

ELIGIBILITY CRITERIA FOR TRAINING

PROGRAMMES

A2y 32e%/0oye) yo3th i2 the 4e 4ro3/ of 'J-, yers@

irres/ecti=e of cste@ cree)@ re0i4io2@ 4e2)er 2)

eco2o%ic stt3s@ h=i24 /tit3)e to t:e 3/ se0f

e%/0oy%e2t or 94e e%/0oy%e2t 2) h=i24 so%e ;sic

:2o90e)4e i2 the re0te) >e0) c2 32)er4o tri2i24 9hich

is tot00y free6

IMPORTANT TRAINING PROGRAMMES CONDUCTED


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So fr o3r BSVS ce2ters h=e or42ie) tri2i24s i2 %ore

th2 ., cti=ities6 So%e of the %1or cti=ities reK

Diry De=e0o/%e2t

Ti0ori24 I2=erter M23fct3ri24 2) Re/iri24

Co0ore) TV ? DVD re/iri24

Refri4ertor re/iri24

5hoto4r/hy ? Vi)eo4r/her

*- 9hee0er re/iri24

M3shroo% 5ro)3ctio2

5ri2t ? 5i2t A//0ictio2

ED5 for E8-Ser=ice%e2

Be3ty 5r0or M24e%e2t

SHG B2: Li2:4e

Soft Toys 2) Decorti=e Ite%s M:i24

Foo) 5rocessi24 Tech2i


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FUNCTION OF BANK OF BARODA

The t9o %ost )isti2cti=e fet3res of co%%erci0 ;2:

re ;orro9i24 2) 0e2)i24@ i6e6@ cce/t2ce of )e/osits

2) 0e2)i24 of %o2ey to /ro1ects to er2 I2terest &/ro>t(6I2 short@ ;2:s ;orro9 to 0e2)6 The rte of i2terest oere)

;y the ;2:s to )e/ositors is c00e) the ;orro9i24 rte

9hi0e the rte t 9hich ;2:s 0e2) o3t is c00e) 0e2)i24

rte6

The )iere2ce ;et9ee2 the rtes is c00e) !s/re)$ 9hich

is //ro/rite) ;y the ;2:s6 Mi2)@ 00 >22ci0

i2stit3tio2s re 2ot co%%erci0 ;2:s ;ec3se o20y those9hich /erfor% )30 f32ctio2s of &i( cce/ti24 )e/osits 2)

&ii( 4i=i24 0o2s re ter%e) s co%%erci0 ;2:s6 For

e8%/0e /ost oces re 2ot ;2: ;ec3se they )o 2ot

4i=e 0o2s6 F32ctio2s of co%%erci0 ;2:s re c0ssi>e)


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i2 to t9o %i2 cte4ories&A( 5ri%ry f32ctio2s 2) &B(

Seco2)ry f32ctio2s6

8A9 P(*'(0 F>,%)*+,6

1. I) '%%$7)6 /$7+6*)6

A co%%erci0 ;2: cce/ts )e/osits i2 the for% of

c3rre2t@ s=i24s 2) >8e) )e/osits6 It co00ects the s3r/03s

;02ces of the I2)i=i)30s@ >r%s 2) >22ces the

te%/orry 2ee)s of co%%erci0 tr2sctio2s6 The >rstts: is@ therefore@ the co00ectio2 of the s=i24s of the

/3;0ic6 The ;2: )oes this ;y cce/ti24 )e/osits fro% its

c3sto%ers6 De/osits re the 0ife0i2e of ;2:s6

D$7+6*)6 '($ +: );($$ )07$6 '6 >,/$(

8*9 C>(($,) '%%+>,) /$7+6*)6

S3ch )e/osits re /y;0e o2 )e%2) 2) re@ therefore@

c00e) )e%2) )e/osits6 These c2 ;e 9ith)r92 ;y the

)e/ositors 2y 23%;er of ti%es )e/e2)i24 3/o2 the

;02ce i2 the cco32t6 The ;2: )oes 2ot /y 2y

I2terest o2 these )e/osits ;3t /ro=i)es che


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8**9 F*$/ /$7+6*)6 8T*$ /$7+6*)69

Fi8e) )e/osits h=e >8e) /erio) of %t3rity 2) rereferre) to s ti%e )e/osits6 These re )e/osits for

>8e) ter%@ i6e6@ /erio) of ti%e r24i24 fro% fe9 )ys to

fe9 yers6 These re 2either /y;0e o2 )e%2) 2or

they e21oy chee) >8e) /erio)6 They crry

hi4her rte of i2terest6 They re 2ot trete) s /rt of

%o2ey s3//0y Rec3rri24 )e/osit i2 9hich re430r

)e/osit of 2 4ree) s3% is %)e is 0so =ri2t of

>8e) )e/osits6

8***9 S'*,=6 '%%+>,) /$7+6*)6

These re )e/osits 9hose %i2 o;1ecti=e is to s=e6

S=i24s cco32t is %ost s3it;0e for i2)i=i)30

ho3seho0)s6 They co%;i2e the fet3res of ;oth c3rre2t

cco32t 2) >8e) )e/osits6 They re /y;0e o2 )e%2)

2) 0so 9ith)r9 ;0e ;y che=e che8e) )e/osit6

D*$($,%$ $)$$, /$',/ /$7+6*)6 ',/ )*$

8)$(9 /$7+6*)6


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T+ )('/*)*+,' :+(6 +: /$7+6*)6 '($ /$',/

/$7+6*) ',/ )$( 8+( )*$9 /$7+6*)

&i( De/osits 9hich c2 ;e 9ith)r92 o2 )e%2) ;y

)e/ositors re c00e) )e%2) )e/osits@ e646@ c3rre2t

cco32t )e/osits re c00e) )e%2) )e/osits ;ec3se

they re /y;0e o2 )e%2) ;3t s=i24 cco32t )e/osits

)o 2ot e) /erio)6

&ii( De%2) )e/osits )o 2ot crry i2terest 9heres ti%e

)e/osits crry >8e) rte of i2terest6

&iii( De%2) )e/osits re hi4h0y 0i


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certi2 /ortio2 of the )e/osits 9ith itse0f s reser=e 2)

4i=es &0e2)s( the ;02ce to the ;orro9ers s 0o2s 2)

)=2ces i2 the for% of csh cre)it@ )e%2) 0o2s@ short-

r32 0o2s@ o=er)rft s e8/0i2e) 32)er6

8*9 C'6; C($/*)

A2 e0i4i;0e ;orro9er is >rst s2ctio2e) cre)it 0i%it 2)

9ithi2 tht 0i%it he is 00o9e) to 9ith)r9 certi2

%o32t o2 4i=e2 sec3rity6 The 9ith)r9i24 /o9er

)e/e2)s 3/o2 the ;orro9er$s c3rre2t ssets@ the stoc:stte%e2t of 9hich is s3;%itte) ;y hi% to the ;2: s

the ;sis of sec3rity6 I2terest is chr4e) ;y the ;2: o2

the )r92 or 3ti0ie) /ortio2 of cre)it &0o2(6

8**9 D$',/ L+',6

A 0o2 9hich c2 ;e rec00e) o2 )e%2) is c00e) )e%2)

0o26 There is 2o stte) %t3rity6 The e2tire 0o2 %o32t

is /i) i2 03%/ s3% ;y cre)iti24 it to the 0o2 cco32t of

the ;orro9er6 Those 0i:e sec3rity ;ro:ers 9hose cre)it

2ee)s 3ct3te 4e2er00y@ t:e s3ch 0o2s o2 /erso20

sec3rity 2) >22ci0 ssets6

8***9 S;+()-)$( L+',6

Short-ter% 0o2s re 4i=e2 4i2st so%e sec3rity s

/erso20 0o2s to >22ce 9or:i24 c/it0 or s /riority


23/44

sector )=2ces6 The e2tire %o32t is re/i) either i2

o2e i2st00%e2ts or i2 23%;er of i2st00%e2ts o=er the

/erio) of 0o26

I,$6)$,)

Co%%erci0 ;2:s i2=est their s3r/03s f32) i2 ty/es of

sec3ritiesK

&i( Go=er2%e2t sec3rities@ &ii( Other //ro=e) sec3rities

2) &iii( Other sec3rities6 B2:s er2 i2terest o2 these

sec3rities6

8B9 S$%+,/'(0 F>,%)*+,6

A/rt fro% the ;o=e-%e2tio2e) t9o /ri%ry &%1or(

f32ctio2s@ co%%erci0 ;2:s /erfor% the fo00o9i24

seco2)ry f32ctio2s 0so6

D*6%+>,)*,= *6 +: $%;',=$ +( >,/$6

A ;i00 of e8ch24e re/rese2ts /ro%ise to /y >8e)

%o32t of %o2ey t s/eci>c /oi2t of ti%e i2 f3t3re6 It

c2 0so ;e e2chse) er0ier thro34h )isco32ti24 /rocess

of co%%erci0 ;2:6 A0ter2ti=e0y@ ;i00 of e8ch24e is

)oc3%e2t c:2o90e)4i24 2 %o32t of %o2ey o9e) i2


24/44

co2si)ertio2 of 4oo)s recei=e)6 It is //er sset si42e)

;y the )e;tor 2) the cre)itor for >8e) %o32t /y;0e

o2 >8e) )te6 It 9or:s 0i:e this6

S3//ose@ A ;3ys 4oo)s fro% B@ he %y 2ot /y Bi%%e)ite0y ;3t i2ste) 4i=e B ;i00 of e8ch24e stti24

the %o32t of %o2ey o9e) 2) the ti%e 9he2 A 9i00

sett0e the )e;t6 S3//ose@ B 92ts the %o2ey

i%%e)ite0y@ he 9i00 /rese2t the ;i00 of e8ch24e to the

;2: for )isco32ti246 The ;2: 9i00 )e)3ct the

co%%issio2 2) /y to B the /rese2t =03e of the ;i006

Whe2 the ;i00 %t3res fter s/eci>e) /erio)@ the ;2: 9i004et /y%e2t fro% A6

O$(/(':) :'%**)0

A2 o=er)rft is 2 )=2ce 4i=e2 ;y 00o9i24 c3sto%er:ee/i24 c3rre2t cco32t to o=er)r9 his c3rre2t cco32t

3/ to 2 4ree) 0i%it6 It is fci0ity to )e/ositor for

o=er)r9i24 the %o32t th2 the ;02ce %o32t i2 his

cco32t6 I2 other 9or)s@ )e/ositors of c3rre2t cco32t

%:e rr24e%e2t 9ith the ;2:s tht i2 cse che


25/44

D*$($,%$ $)$$, O$(/(':) :'%**)0 ',/ L+',

O=er)rft is %)e 9itho3t sec3rity i2 c3rre2t cco32t;3t 0o2s re 4i=e2 4i2st sec3rity6 I2 the cse of 0o2@ the ;orro9er hs to /y i2terest

o2 f300 %o32t s2ctio2e) ;3t i2 the cse of

o=er)rft@ the ;orro9er is 4i=e2 the fci0ity of

;orro9i24 o20y s %3ch s he re,%)*+,6 +: );$ ',


26/44

8***9 P'0$,)6 +: '(*+>6 *)$6

It %:es /y%e2t of t8es6 I2s3r2ce /re%i3%@ ;i00s@ etc6

s /er the )irectio2s of its c3sto%ers6

8*9 P>(%;'6$ ',/ 6'$ +: 6;'($6 ',/

6$%>(*)*$6

It ;3ys se00s 2) :ee/s i2 sfe c3sto)y sec3rities 2)

shres o2 ;eh0f of its c3sto%ers6

89Co00ectio2 of )i=i)e2)s@ i2terest o2 shres 2))e;e2t3res is %)e o2 ;eh0f of its c3sto%ers6

8*9Acts s Tr3stee 2) E8ec3tor of /ro/erty of its

c3sto%ers o2 )=ice of its c3sto%ers6

8**9 L$))$(6 +: R$:$($,%$6

It 4i=es i2for%tio2 ;o3t eco2o%ic /ositio2 of its

c3sto%ers to tr)ers 2) /ro=i)es si%i0r i2for%tio2

;o3t other tr)ers to its c3sto%ers6

P$(:+(*,= =$,$(' >)**)0 6$(*%$6


27/44

The ;2:s /ro=i)e %2y 4e2er0 3ti0ity ser=ices@ so%e of

9hich re s 32)erK

8*9 T('$$(6 %;$>$66The ;2:s iss3e tr=e0er$s

che


28/44

B2: of Bro) ;ri24s to yo3 2 i22o=ti=e co%;i2tio2

of 0o2 2) o=er )rft fci0ity 9ith e8i;0e re/y%e2t

o/tio2s 4i2st the sec3rity of other /ro/erty6

P$(6+,' L+',

B2: of Bro) 5erso20 Lo2 he0/s yo3 t:e cre of 00

:i2)s of e8/e2ses t short 2otice 6The Lo2 %y ;e

=i0e) to %eet e8/e2ses re0te) to /erso20 0o26

B>6*,$66 L+',

Bro) Tr)ers Lo2 fci0ity e2;0es i2)i=i)30s@/ro/rietorshi/s@ ;o)ies s3ch s /rt2ershi/ >r%s 2) co-

o/ societies to =i0 of 9or:i24666

H+$ L+',

B2: of Bro) oers fo00o9i24 ;e2e>ts 9ith ho%e 0o2

to ;e =i0e) ;y yo3K ? ;300 Free 5ro/erty 2) 5erso20Acci)e2t I2s3r2ce &=i0;0e for ho%e 0o26


29/44

HISTORY OF BANK OF BARODA

B',< +: B'(+/'

B2:i24 Co%/2y

B2: of Bro) is 2 I2)i2 stte-o92e) ;2:i24 2)

>22ci0 ser=ices co%/2y he)6)+$( 6$(*%$ 'J++ '+* ,,

CEO R212 Dh92

H$'/>'()$(6 M3%;i


30/44

F+>,/$( Sy1iro Ge:9) III

F+>,/$/ #30y *+@ '+J

O,$(6 Go=er2%e2t of I2)i155!6

'+K BOB o/e2e) 2 OBU i2 M3riti3s@ ;3t c0ose) its

re/rese2tti=e oce i2 Sy)2ey6 ''K BOB too: o=er the Lo2)o2 ;r2ches of U2io2

B2: of I2)i 2) 5321; ? Si2) B2: &5?S(6 5?SPs

;r2ch h) ;ee2 est;0ishe) ;efore '+ 2) U2io2

B2:$s fter 'J+6 The Reser=e B2: of I2)i or)ere)

the t:eo=er of the t9o fo00o9i24 the ;2:s

i2=o0=e%e2t i2 the Sethi fr3) i2 'J 2)

s3;se


31/44

'JK BOB ;o34ht o3t its /rt2ers i2 IUB

I2ter2tio20 Fi22ce i2 Ho24 7o246 A//re2t0y this

9s res/o2se to re430tory ch24es fo00o9i24 Ho24

7o24$s re=ersio2 to the 5eo/0e$s Re/3;0ic of Chi2 6BOB 0so c


32/44

*++K BOB o/e2e) 2 OBU i2 M3%;i6

*++K BOB c


33/44

*++JK BOB o/e2e) ;r2ch i2 G324ho3@ Chi2

&+*+J*++J( 2) i2 7e2to2@ Hrro9 U2ite) 7i24)o%6

BOB o/e2e) 1oi2t =e2t3re 0ife i2s3r2ce co%/2y

9ith A2)hr B2: 2) Le40 2) Ge2er0 &U7( c00e)I2)i First Life I2s3r2ce Co%/2y6

!1!6

I2 *+'+@ M0ysi 9r)e) co%%erci0

;2:i24 0ice2se to 0oc00y i2cor/orte) ;2: to

;e 1oi2t0y o92e) ;y B2: of Bro)@ I2)i2

O=erses B2: 2) A2)hr B2:6 Tht s%e

yer@ BOB 0so o/e2e) ;r2ch i2 Ne9 Qe02)6

I2 *+''@ BOB o/e2e) 2 E0ectro2ic B2:i24

Ser=ice U2it &EBSU( 9s o/e2e) t H%riy Free

Qo2e@ &UAE(6 It 0so o/e2e) fo3r 2e9 ;r2ches i2

e8isti24 o/ertio2s i2 U42)@ 7e2y &*(@ 2)

G3y26 BOB c0ose) its re/rese2tti=e oce i2

M0ysi i2 2tici/tio2 of the o/e2i24 of itsco2sorti3% ;2: there6 BOB recei=e) I2

5ri2ci/0e //ro=0 for the 3/4r)i24 of its

re/rese2tti=e oce i2 A3str0i to ;r2ch6

The M0ysi2 co2sorti3% ;2:@ I2)i

I2ter2tio20 B2: M0ysi &IIBM(@ >200y

o/e2e) i2 730 L3%/3r@ 9hich hs 0r4e/o/30tio2 of I2)i2s6 BOB o92s +@ A2)hr

B2: o92s *,@ 2) IOB the re%i2i24 , of

the shre c/it06 IIBM see:s to o/e2 >=e

;r2ches 9ithi2 its >rst yer of o/ertio2s i2


34/44

M0ysi@ 2) i2te2)s to 4ro9 to ', ;r2ches

9ithi2 the 2e8t three yers6

SUBSIDIARIES

BOB C/it0 Mr:ets is SEBI-re4istere) i2=est%e2t

;2:i24 co%/2y ;se) i2 M3%;i@ Mhrshtr6 It


35/44

is 9ho00y o92e) s3;si)iry of B2: of Bro) 6Its

>22ci0 ser=ices /ortfo0io i2c03)es i2iti0 /3;0ic

oeri24s@ /ri=te /0ce%e2t of )e;ts@ cor/orte

restr3ct3ri24@ ;3si2ess =03tio2@ %er4ers 2)c$N+.

M'(%;

1"

I,%+$


36/44

I2terest er2e) ' ,J++Other i2co%e ' ',,

T+)' 3"""E7$,/*)>($

I2terest e8/e2)e) ', '*++O/erti24 e8/e2ses '. J+5ro=isio2s 2) co2ti24e2cies '+,

T+)' #1!

P(+) ',/ +66Net /ro>t0oss &-( for the yer ',

5ro>t0oss &-( ;ro34ht for9r) J,*

T+)' 2!"A77(+7(*')*+,

Tr2sfer to reser=e *'

Tr2sfer to other reser=e ++

Tr2sfer to 4o=t6 '+++

B02ce crrie) o=er to ;02ce sheet '

T+)' 2!"

B'',%$ 6;$$) :+( B',< O: B'(+/'

&Rs i2 Cr(


37/44

Sche)30e

2o6

Mrch

',

CAPITAL & LIABILITIES

C/it0 ' '++++

Reser=es ? s3r/03s * 'J+,De/osits *++

Borro9i24 '**++

Other 0i;i0ities 2) /ro=isio2s , +*,

T+)' 14!2

!A66$)6

Csh 2) ;02ces 9ith Reser=e ;2: of

I2)i

. J

B02ce 9ith ;2:s 2) %o2ey t c00 2)

short 2otice

J.

I2=est%e2ts J ++

A)=2ces '+,

Fi8e) ssets '+ ,++

Other ssets '' 'J

T+)' 14!2

!

Co2ti24e2t 0i;i0ities '* '''.J

Bi00s for co00ectio2 **'++

SCHEDULE

R6 *, %(.

S%;$/>$ 1 %'7*)'

3thorie)Iss3e) c/it0 *++++S3;scri;e) c/it0 *++++


38/44

C00e) 3/ c/it0 '++++'++++

S%;$/>$ - ($6$($ & 6>(7>6S)')>)+(0 ($6$($

O/e2i24 ;02ce '++++A))itio2 )3ri24 the yer *'

'+*'

R$$,>$ ',/ +);$( ($6$($O/e2i24 ;02ces *,++A))itio2s )3ri24 the yer ++

*J++

B'',%$ *, 7(+) & +66 AC '

)+)' 'J+,

S%;$/>$ 2 /$7+6*)6De%2) )e/ositsOther ,,++ ,,++

S=i24 ;2: )e/osits ',*+Ter% )e/ositsOther

'J+

'J+

De/osits of ;r2ch i2 I2)i *++

De/osits o3tsi)e *++

*++

S%;$/>$ 4 +((+*,=Other ;2:s '**++

S%;$/>$ " +);$( *'**)*$6 & 7(+*6*+,Net ,,,Other /ro=isio2s *+


39/44

tot0 +*,

S%;$/>$ # %'6; & BANK BALANCE

Csh i2 h2) J

S%;$/>$ 3 '',%$6 *); ',8e) ssets ,++

,++

S%;$/>$ 11 +);$( '66$)6

I2terest ccr3e) J,No2 ;2:i24 ssets c0i%

'J

S%;$/>$ 1 %+,)*,=$,) *'**)*$6


40/44

Acce/t2ce @other o;0i4tio2 '''.Jtot0 '''.J

S%;$/>$ 12 *,)$($6) $'(,$/Disco32t o2 )=2ce ,J++tot0 ,J++

S%;$/>$ 14 +);$( *,%+$

Co%%issio2 e8ch24e ? ;ro:er4e '++Misce002eo3s i2co%e ,,tot0 ',,

S%;$/>$ 1" *,)$($6) $7$,/$/

I2terest )e/osits '*++Tot0 '*++

S%;$/>$ 1# +7$(')*,= $7$,6$65y%e2t to /ro=isio2 of e%/0oyee *++5ri2ti24 ? sttio2ery ++

B2:s /ro/erty ,++A00o92ce ? e8/e2ses '++Other e8/e2)it3re +tot0 J+

SUGGESTION


41/44

The ;2: sho30) )o/t /roce)3re of )o/ti24

)eti0s of 0o2s fro% other ;2:s ;efore

s2ctio2i24 cre)it@ BOB sho30) i2sist o2

c0er2ce certi>ctes strti24 tht 2o 0o2 iso=er)3e to 2y ;2: of i2stit3tio26

The ;2: of Bro) sho30) 0so rech o3t to

the cor/orte c0ie2ts for >22ci24 their 9or:i24

c/it0 2) other re


42/44

B2: of ;ro) 9s reco42ie) ;y D32 ? Br)street s

the ;est /3;0ic sector ;2: 32)er the cte4ory6 G0o;0

;3si2ess )e=e0o/%e2t t /o0ries >22ci0 tech2o0o4y

;2:i24 9r) *++.6 B2: 9o2 the s/eci0 9r) for ;estIT Te% %o24 /3;0ic sector B2:s t IDRBT B2:i24

Tech2o0o4y E8ce00e2ce 9r) *+'*-*+'6 B2: hs ;ee2

/io2eeer i2 s/re)i24 2) /ro%oti24 the 3se of Hi2)i

thro34h the for% of N4r R1;hs0 s%itis 2) hs

9o2 Reser=e B2: R1;hs2 co%/etio2 o2 A343st6

B2: co2st2t0y i22o=tes reorie2ts 2) re0i42s ;3si2ess

/rocess 9ith )=2ce) tech2o0o4y to ser=e the c3sto%er;etter 2) er2 stro24 ;r2) 6 The ;2: i)e2tife) RACE

AHEAD s its %otto for the FY', 2) it c2 2ot o20y

chi=e s si42i>c2t ;3si2ess 4ro9th ;3t 0so i%/ro=e its

/ro>t;i0ty 2) so32)2ess i2)ictors6 With GD5 4ro9th

e8/ecte) to /ic: 3/@;2:i24 ;3si2ess is 0i:e0y to 9it2ess

hi4her o/ti%is% )3ri24 FY',6

B2: of ;ro) hs 09ys 0oo:e) t tech2o4y s :ey

fci0ittes to /ro=i)e ;etter c3st%er ser=ice 2) e2s3re

tht its IT strte4y fo00o9 the B3si2ess Strte4y to ser=e

00 st:eho0)er 6 To res/o2) to i2cresi24 co%/etio2 2)

other ch00e24e 6 ;2: 9i00 %:e its ;3si2ess %o)e0 %ore

cost ecie2t 2) try to i%/ro=e its Er2i24 thro34h 2

o/ti%3% %i8 of i2trest i2co%e 2) 2o2 i2trest i2co%e6 To

chi=e this its to ;e co2st2t0y o/ti%ie 3se of tec2o0o4ys the ch24e 4e2st 6;ooste) ;y ro;3st eco2o%ics

4ro9th the ;2: e8/ect to s3sti2 2) i%/ro=e the

/erfor%2ce6


43/44

Si%i0r0y to its eorts to i%/ro=e sset 30ity

%24e%e2t i2 FY'@yo3r;2: is fo3s o2 the cre)it

%o2itori246 @N5A reco=ery 2) 3/4r)tio2 ;i4 9y 2)

f3rther rrest the fresh s0i//4e6 B2: /ro/oses to 032chA)rsh Gr%ee2 Br2ches short0y these ;r2ches 9i00 ;e

co2str3cte) ;y B2: o2 its o92e) /0ot of 02) i2 r3r0

res 2) 9i00 ;e h=i24 3)io =is30 fci0ities to e2;0e

=rio3s cti=ities 0i:e 4ri c0i2ic =octio20 e)3ctio2

@%e)ic0 c%/s etc6 this e2)e=or 9i00 2ot o20y /ro=i)e

BOB to t:e for9r) the %issio2 of >22ci0 I2c03sio26@

;3t 0so 4e2erte 0ot of 4oo)9i006

With its i2tri2sic stre244ths i2 the for% of c/it0 h3%2

reso3rces @ tech2o0o4y 2) ico2ic ;r2)6 B2: of ;ro)

is 9e00 /ositio2e) for 4ro9th )3ri24 >22ci0 yer *+',6


44/44

BOOK REFFRED

&. /dvanced inancial /ccountin' ritten by 9r Aersa M./inapure published by M// +/2/S3/.

W$6*)$6

A2230 re/ort of ;2: of ;ro) for *+'

9996 B2:of;ro)6co6i2

9996 Wi:i/e)i6co%

9996/ro>t6 N)t=6co%6
http://www.profit/http://www.profit/

banking (bank of baroda)

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