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INDEX 29pgs

3

LEGAL & STATUTORY PROVISIONS23

4 RETAIL BANKING & THIRD PARTY PRODUCTS  31

5 ROLE OF TECHNOLOGY IN BANK  35

LEGAL & STATUTORY PROVISIONS

Corporate governance

11. In Dece!e" 2##1 $%' ( )%e$ * (++"e,, 'e %,,-e, "e(%n/ * C*"0*"(e

G*)e"n(nce 'e Re,e")e B(n * In+%( c*n,%-e+ ( C*n,-(%)e G"*-0 * 

D%"ec*", * B(n, (n+ F%n(nc%( In,%-%*n, -n+e" 'e c'(%"(n,'%0 * D".A. S. G(n/-.

22. T'e /"*-0 "ec*en+e+ )("%*-, e(,-"e, * (e ,-0e")%,*" "*e * 'e

B*("+, * !(n, (n+ FI, *"e eec%)e. T'e,e %nc-+e+ +-e +%%/ence

0"*ce+-"e, *" (00*%nen * +%"ec*", *n 'e !*("+ * !(n, (n+ "*e (n+"e,0*n,%!%%%e, * %n+e0en+enn*n e6ec-%)e +%"ec*",.

33. I %, ( c*+e * c*"0*"(e c*n+-c * !e **$e+ ! 'e +%"ec*", $'%c'

en,-"e, '( c*"0*"(e !*+ %, (n(/e+ ! *,e"%n/ 'e ,0%"% * ene"0"%,e(n+ (cc*-n(!%% 0"**%n/ (%"ne,, "(n,0("enc (n+ "e,0*n,%!%%*$("+, 'e%" e0*ee, c-,*e", ,'("e'*+e", c*0e%*", (n+ 'e

0-!%c.

44. T'e !*("+ (n+ *0 (n(/een ee ( ,0ec%%e+ %ne")(, *" %e

e6c'(n/e * %n*"(%*n *n 'e !(n7, %n(nc%( c*n+%%*n (n+ (n(/een0"(c%ce,

Credit Information Bureau (India) Limited – (CIBIL)

11. C"e+% In*"(%*n B-"e(- 8I9 L+ $(, ,e:-0 %n ;(n-(" 2##1 (, (

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44. B(n, ("e "e=-%"e+ * 0"*)%+e 0e"%*+%c( %n*"(%*n * CIBIL %n 'e

0"e,c"%!e+ *"(. I 'e0, %n c*0%(%*n * c"e+% %n*"(%*n (cce,,%!e *

e!e" !(n, * %0"*)e =-(% * c"e+% 0"*0*,(, !ee" c"e+%

(n(/een (n+ C"e+% +%,,e%n(%*n -nc%*n

5>. B(n, FI, SFC, NBFC, H*-,%n/ F%n(nce C*0(n%e, (n+ C"e+% C("+

C*0(n%e, ("e ?e!e", * CIBIL

>@. CIBIL: Acce,, * c*n,-e" c"e+% %n*"(%*n

1 I+en%%e+ !"(nc'e, '()e !een /%)en -,e" ID.

2 T'e ,(nc%*n%n/ (-'*"% ,'*-+ c*n%" %n '%, n*e '()%n/ (cce,,e+

CIBIL +(( (n+ 'e %n*"(%*n *n !*""*$e", *-n+ %n *"+e".

3 C*n,-e" C"e+% %n*"(%*n 8CIR9 ee %, R,.5# *" 'e "e0*" $'%c' %, *!e "ec*)e"e+ (, -0"*n ee "* 'e (00%c(n.

. A Credit Information Report (CIR) %, ( (c-( "ec*"+ * ( !*""*$e",

c"e+% 0(en '%,*" c*0%e+ "* %n*"(%*n "ece%)e+ "* +%e"en

c"e+% /"(n*",. I, 0-"0*,e %, * 'e0 c"e+% /"(n*", (e %n*"e+en+%n/ +ec%,%*n, =-%c (n+ *!

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1829 %or identification of an individua$ & corporate : T'e %+en%%c(%*n *

!e '"*-/' (n %n"*+-c*" "ee"ence "* 'e e6%,%n/ (cc*-n '*+e" (0e",*n n*$n * 'e !(n *" *n 'e !(,%, * +*c-en, 0"*)%+e+ ! 'e

c-,*e". B*("+ * D%"ec*", * 0- %n 0(ce (+e=-(e 0*%c%e, * e,(!%,'

0"*ce+-"e * )e"% !*n(%+e %+en%%c(%*n.

2

1 839 Cei$ing and 'onitoring of Cas ransactions  B(n, ("e "e=-%"e+ *

%,,-e TC, DD, ?T, (n+ TT, *" R,.5#### (n+ (!*)e *n ! +e!% * 'e

c-,*e", (cc*-n *" (/(%n, c'e=-e, (n+ n* (/(%n, c(,'. F-"'e" 'e(00%c(n, ("e "e=-%"e+ * -"n%,' PAN *n (00%c(%*n *" R,.5#### (n+

(!*)e. A c*,e:$(c' * !e e0 *n c(,' $%'+"($( (n+ +e0*,%, *" R,.1#

(c, (n+ (!*)e %n +e0*,% c(,' c"e+% *" *)e"+"( (cc*-n, (n+ ee0

"ec*"+ * +e(%, * 'e,e ("/e c(,' "(n,(c%*n, %n ( ,e0("(e "e/%,e".2

%inancia$ Inte$$igence *nit (%I*+IND) $(, ,e-0 %n N*).2##4 (n+

"e0*", +%"ec * 'e Ec*n*%c Ine%/ence C*-nc% 'e(+e+ ! F%n(nce

?%n%,e". T'e "e,0*n,%!%% * FIU %nc-+e, c*ec%n/ (n(,%n/ (n+ ,'("%n/* %n*"(%*n (c%n/ (, ( cen"( "e0*,%*" (n+ c**"+%n(%n/ $%' *c( (n+

*)e",e(, (/enc%e, %n)*)e+ %n (n% *ne (-+e"%n/ (c%)%%e,.

3

,nti 'one- Laundering

I %, c*n)e",%*n * *ne $'%c' %, %e/( *!(%ne+ ,* (, * (e % (00e(" **"%/%n(e "* ( e/%%(e ,*-"ce. T'e (%n *!

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3. I,,-e ,-%(!e %n,"-c%*n, * ( !"(nc'e,c*n"*%n/ *%ce", "e%e"(%n/ 'e

nee+ *" ,"%c (+'e"ence * 'e (%+ +*$n ,,e (n+ 0"*ce+-"e,. 4. Le/( c*0%(nce Ce"%%c(%*n 0"*ce,, * !e en*"ce+ *" ( "(n,(c%*n,

e6cee+%n/ ( )(-e %% *" e(c' +e, e,0ec%( "* e(c' (n(/een

c(e/*" ,( *" (%n/ 'e (cc*-n(!e.

5. Le/( c*0%(nce (n+ +-e +%%/ence (-+% e)e" e(">. In c(,e e6e"c%,e * +%,c"e%*n(" 0*$e" (n e60(n(%*n %, "e=-%"e+ * !e

/%)en %n+%c(%n/ 'e c%"c-,(nce, $(""(n%n/ 'e e6e"c%,e * +%,c"e%*n("

0*$e" (n+ $'e'e" ( +-e +%%/ence '(, !een (en *" n*.

@. B-%+ +(( * (n(/een (n+ ,( e6e"c%,%n/ +%,c"e%*n(" 0*$e" "ec*"+%n/( 'e "e(,*n, *" ,-c' e6e"c%,e (n+ c*n,e=-ence,. A c*,e *n%*"%n/ * 

,-c' e6e"c%,e +%,c"e%*n(" 0*$e" %, "e=-%"e+.

. Incen%)e (n+ 0"**%*n ,,e * '()e c*:"e(%*n $%' +(( *n e6e"c%,e * 

+%,c"e%*n(" 0*$e" (n+ 'e "(%*n(% (n+ (00"*0"%(ene,, * ,-c'+ec%,%*n,.

J. C*nc-""enIne"n(S(-*" A-+%*", * "e0*" ,%-(ne*-, * C'(%"(n

(n+ ?(n(/%n/ D%"ec*" * 'e B(n (n+ RBI (!*- (n '%n/ ,-,ce0%!e *

!e "(-+ *" "(-+-en (c%)% *" (n *- 0( %n (n * 'e "(n,(c%*n,.1#. In "(-+ c(,e, +e0("en (c%*n * !e %n%%(e+ ,%-(ne*-, $%'

c"%%n( (c%*n $%'*- $(%%n/ *" *-c*e * 'e (e".

Citi/en0s Carter

C%%en C'("e" /%)e, 'e c-,*e", "%/' (, $e (, 'e%" +e(n+, *n ,e")%ce

"* 'e !(n. C%%en, c'("e" c*)e", 'e **$%n/

 

11. B-,%ne,, '*-", * !e 0"*%nen +%,0(e+ ( 'e !"(nc'e,.

22. C*-ne", * "e(%n (en+e+ * +-"%n/ !-,%ne,, '*-",.

33. S0(ce *" c-,*e", %n !(n%n/ '( * !e e0 ce(n (n+ %+ $%' 0"*0e",e(%n/ (""(n/een,.

44. B"(nc' 0"e%,e, * !e e0 ce(n (n+ '/%en%c.

55. T%e n*", *" c**n B(n%n/ "(n,(c%*n, * !e +%,0(e+ 0"*%nen

%n 'e B(n%n/ H(.>>. A ("/e !"(nc'e, ?( I He0 Y*- c*-ne", * !e *c(e+ *" c-,*e",

c*n)en%ence.

@@. C*enceen * $*"%n/ '*-", * B(n ,( * !e 15 %n-e, !e*"e

c*enceen * B(n%n/ '*-",.. B(n, n(e !*("+ * !e ce(n (n+ )%,%!e $%' ,-%(!e %/'%n/

(""(n/een,.

JJ. B"(nc' (-'*"%, n(e (n+ +e,%/n(%*n * !e +%,0(e+ *n N(e P(e.

1#1#. N(e (++"e,, ee0'*ne n-!e" (n+ (6 n-!e", * Re/%*n( (n+*n( A-'*"%%e, * !e +%,0(e+ %n B(n%n/ H(.

1111. C-,*e", S-//e,%*n, * !e %n)%e+ *" !ee" c-,*e" ,e")%ce,.

Base$ Capita$ ,ccord+II

In 1JJ2 ( ,e * %n%- c(0%( "e=-%"een $'%c' %, n*$n (, B(,e:I $(,

(+e eec%)e %n In+%(. T'e (cc*"+ *c-,e+ (%n *n c"e+% "%,. B(n, $e"e

"e=-%"e+ * ee0 %n% * 'e "%, $e%/'(/e (,,e, (, c(0%(. H*$e)e"B(,e:I '(+ **$%n/ %%(%*n,TC, Baroda 4

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One ,%e %, ( Fe6%!%% Incen%)e *" !ee" "%,(n(/een

B"*(+ !"-,' ,"-c-"e ?*"e "%, ,en,%%)%

Baning 3'B*D1',N 1ceme4

11. Re,e")e B(n * In+%( '(, (nn*-nce+ 'e B(n%n/ O!-+,(n Sc'ee

1JJ5 -n+e" ,ec%*n 35 * B(n%n/ Re/-(%*n Ac 1J34. I $(, "e)%,e+

$.e.. 14.>.2##2 $'%c' '(, !een -"'e" "e)%,e+ *n #1.#1.2##>

22. T'e O!-+,(n '(, 'e (-'*"% * ** %n* 'e c*0(%n %n 'e**$%n/ ("e(,M

1 An c*0(%n "e(%n/ * B(n%n/ ,e")%ce,.

2 Ree" 'e c*0(%n * c*nce"ne+ !(n (n+ " * (c%%(e "e+"e,,( *"

,eeen ! (/"eeen !e$een 'e !(n (n+ (//"%e)e+ 0(".3 I c*0(%n %, n* ,ee+ ! (/"eeen $%'%n 'e 0e"%*+ * *ne *n'

0(,, (n ($("+ (e" %,en%n/ * !*' 'e 0("%e,.

4 In 'e e)en B(n %, -n(!e * c*0 $%' 'e A$("+ *" (n "e(,*n

$'(,*e)e" 'e B(n ,'( %e ( "e)%e$ 0e%%*n $%'%n *ne *n' "* 'e+(e * "ece%0 * c*0 * ($("+.

5 An +%,0-e !e$een !(n, *" !(n (n+ %, c*n,%-en, ( !e "ee""e+

* *" ("!%"(%*n 0"*)%+e+ +%,0-e+ c(% +*e, n* e6cee+ R,. 1# (',.

> T'e %e %% *" ($("+ %, %6e+ (, ,%6 *n', "* 'e +(e * %",'e("%n/.

33. (or approac"in! to #B#- for bankin! complaints followin! are t"e conditions

• B(n '(, "e (n+ %0eene+ $.e..

15.4.1J@. T'e 0-"0*,e * '%, (c $(, * en(!e 'e c*n,-e", * en*"ce

'%, "%/' (, ( c*n,-e" '"*-/' ,%0e e/( 0"*ce+-"e,. F-"'e" *n 1@'

Dece!e" 2##2 (n (en+en Ac 2##2 '(, !een 0(,,e+ (n+%0eene+ $.e.. 15' ?("c' 'e c*n,-e" +(.

22. T'e (c c*)e", ( /**+, ,e")%ce, %nc-+%n/ !(n%n/ %n,-"(nce"(n,0*"(%*n eec"%c% 0"*ce,,%n/ ec.

33. An c*n,-e" %n+%)%+-( *"

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55. De%n%%*n * c*0(%n (en+e+ * %nc-+e c*0(%n, * -n(%" "(+e

0"(c%ce, *" "e,"%c%)e "(+e 0"(c%ce, (/(%n, ,e")%ce 0"*)%+e" (%-"e *+%,c*,e %n( "e,-, * ,c'ee * /%, & 0"%e, (. P"e,c"%!e+ ee 0((!e

*n e)e" c*0(%n (, c*-" ee, : n* ee, e("%e"

>>. A 0e",*n ()(%%n/ ,e")%ce, *" c*e"c%( 0-"0*,e $% n* !e ( c*n,-e"

-n+e" 'e (c.@@. T'e (-'*"% *" # +(, "* 'e +(e * n*%ce (%%n/ $'%c' 'e !(n %,

en%e+ * e6e"c%,e 'e "%/'8,9 /%)en ! 'e Ac (, -n+e"1A9 T(e 0*,,e,,%*n *" (e *)e" (n(/een * 'e ,ec-"e+ (,,e, * 'e

!*""*$e" %nc-+%n/ "%/' * "(n,e" e(,e (,,%/n ,(e 'e ,ec-"e+ (,,e,M

2B9 A00*%n (n 0e",*n (, (n(/e" * (n(/e 'e ,ec-"e+ (,,e, (en *)e"

-n+e" 0*,,e,,%*n ! 'e !(nM1C9 T* 0( * 'e B(n (, ,ec-"e+ c"e+%*" ,* -c' * *ne (, %, ,-%c%en *

0( 'e ,ec-"e+ +e!.

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12. In 'e c*-",e * en*"ceen * ,ec-"% %ne"e,, ! 'e !(n (, Sec-"e+

C"e+%*" ( c*,, c'("/e, (n+ +%"ec & %nc%+en( e60en,e, 'e"e* 0"*0e"%nc-""e+ ,'( !e "ec*)e"(!e "* 'e !*""*$e" (n+ *ne "ece%)e+ ! 'e !(n

(, ,ec-"e+ c"e+%*" ,'( %", !e (00"*0"%(e+ *$("+, ee%n/ '%, e60en,e, (n+

'e"e(e" *" +%,c'("/e * 'e !(n, ,ec-"e+ +e!,.

23. In c(,e * n-!e" * ,ec-"e+ c"e+%*" !e%n/ *"e '(n 1 'e (!*)e ,(%+ "%/',,'( !e e6e"c%,e+ *n $'en @5 *" *"e 8%n )(-e e",9 ,ec-"e+ c"e+%*",

(/"ee * e6e"c%,e * 'e "%/',M

34. T'e Rec*"+ D(e ,'( !e 'e +(e (/"ee+ -0*n ! 'e ,ec-"e+ c"e+%*",

"e0"e,en%n/ n* e,, '(n @5 * 'e (*-n *-,(n+%n/M45. I +-e, * ,ec-"e+ c"e+%*", ("e n* - ,ee+ "ec*)e"e+ *- * "* ,(e

0"*cee+, * ,ec-"e+ (,,e, ,ec-"e+ c"e+%*", ( %e (n (00%c(%*n %n DRT *" %n (

c*0een c*-"M

5>. T'e ,ec-"e+ c"e+%*" ,'( !e en%e+ * 0"*cee+ (/(%n, 'e /-("(n*", *" ,e0e+/e+ (,,e, $%'*- %", (%n/ (n * 'e e(,-"e, *" 0*,,e,,%*n & ,(e * 'e

!*""*$e", 'e /-("(n*", (,,e,.

>@. %o$$o!ings are not covered under te ,ct4 

Pe+/e * *)e(!e (n+ %en *n (n /**+, (n+ ,ec-"%. A%"c"(M Ve,,e,M H%"e0-"c'(,ee(,e ec.M An Sec-"% %ne"e, n* e6cee+%n/ R,.1 (c,M A/"%. (n+.

,ssets Reconstruction Compan-4

1. T'e SARFAESI Ac 0e"%, (n ARC * c*ence *0e"(%*n, $%' ( %n%- ne

*$ne+ -n+, * R,.2 c"*"e,. ARC %, "e=-%"e+ c(0%( (+e=-(c "(%*n * 15.2. ARC c(n (c=-%"e %n(nc%( (,,e, ! $( * ,%0e (/"eeen "* 'e !(n,FI,

,-!

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Criteria for determination of Base Rate '%e e(c' !(n ( +ec%+e %, *$n !(,e

"(e ,*e * 'e c"%e"%* '( c*-+ /* %n * +ee"%n(%*n * B(,e "(e ("e8%9 C*, * De0*,%,

8%%9 A+

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Customer 'otivations4 In *"+e" * enc*-"(/e c-,*e", * *0en c-""en (cc*-n,

$%' *-" !(n **$%n/ 0"**%*n( *e", ("e (00"*)e+ ! *-" '%/'e" (-'*"%%e, *"'e c-,*e", $'* *0en c-""en (cc*-n +-"%n/ 'e c(0(%/n 0e"%*+.

5: 1## c*nce,,%*n %n ,e")%ce c'("/e, *n "e%(nce, '"*-/' NEFTRTGS *" (

0e"%*+ * > *n', * c-,*e", $'* *0en c-""en (cc*-n +-"%n/ 'e c(0(%/n0e"%*+.

2. 1## c*nce,,%*n %n ,e")%ce c'("/e, %n 0(en & c*ec%*n '"*-/' c'e=-e,

+e(n+ +"(, 0( *"+e", "(n,e" * -n+, * B(,e (n+ N*n B(,e !"(nc'e,. T'%,

c*nce,,%*n $*-+ !e ()(%(!e *" ( 0e"%*+ * > *n', * ( c-,*e", $'* *0enc-""en (cc*-n +-"%n/ 'e c(0(%/n 0e"%*+.

*ni7ue se$$ing .oints of our ome $oan product4

S(nc%*n $%'%n > +(,.

On %ne (00%c(%*n ( !e ,-!%e+.

F"ee 0"*0e" & 0e",*n( (cc%+en %n,-"(nce.

L%e In,-"(nce c*)e" %, (,* ()(%(!e *n 0(en * 0"e%- '( c(n (,* !e

%n(nce+.

P"*ce,,%n/ c'("/e, $(%)e+ -0* 31.#3.2#12 +-"%n/ c(0(%/n 0e"%*+

C*0e%%)e "(e * %ne"e,.

T*0:-0 *(n 8AAA9 c(n !e ()(%e+ 5 %e, +-"%n/ *(n 0e"%*+.

P-"c'(,e * '*-,e( *" c*n,"-c%*n (+e "* *$n ,*-"ce, ( (,* !e

c*)e"e+ -n+e" '*e *(n 0"*)%+e+ % %, n* 0"%*" * 24 *n',

?(6%- "e0(en * 25 ", (n+ *"(*"%- * 1 *n',.

C*nce,,%*n * "(e * %ne"e, #.5# * '*e *(n !*""*$e", *" *(n *"

c*n,-e" +-"(!e, (n+ (,* %n c(" *(n.

Capita$ #ain ,ccount 1ceme; 59

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>. N*%n(%*n (c%% ()(%(!e.

Baro!a ,ealt* '%e!-cla. Insrance Polc#)

1. T'%, %, %n c*(!*"(%*n $%' N(%*n( In,-"(nce C* L+. *" B(n, Acc*-n '*+e",

$.e. 23"+ Fe!"-(" 2##>.2. I %, ( c*:!"(n+e+ 0"*+-c * 0"*)%+e )(-e (++e+ ,e")%ce, * *-" c-,*e", (n+

()(%(!e ( ( *-" !"(nc'e, (c"*,, 'e c*-n".

3. I %, ( G"*-0 ?e+%c( In,-"(nce Sc'ee (e, c("e * 'e '*,0%(%,(%*n e60en,e,

-0* 'e (*-n * ,- %n,-"e+. T'%, 0*%c %, ()(%(!e *n * (cc*-n '*+e", * *-" B(n.

14. In,-"(nce c*)e"(/e %.e. ,- (,,-"e+ ( "(n/e "* R, 5#.### * R, 5.## (c,

0e" (% * 13 c*n,%,%n/ * 0*%c'*+e" ,0*-,e (n+ 2 +e0en+en c'%+"en -0

* 'e (*-n %n,-"e+.25. A e!e" *" ( 'e e!e", %n %n,-"e+ (% c(n ()(% '*,0%(%,(%*n !ene%,

+-"%n/ 'e 0*%c 0e"%*+ * 'e e6en * (//"e/(e ,- n* e6cee+%n/ 'e ,-

%n,-"e+.

3>. I 0"*)%+e c*)e", %n "e,0ec * (n %ne,, +%,e(,e (cc%+en( %n

%%*n, * B*B c-,*e", $% /e (n *00*"-n% * %n)e, %n )("%*-, ,c'ee, * UTI ?--( F-n+ c*,e" * 'e%" +**",e0, %n 'e !"(nc'e, $'e"e 'e +* 'e%"

!-,%ne,, "(n,(c%*n,.

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Brla Sn Lfe %tal /n!

11. Birla un %ife #utual (und tied up wit" us for distributin! its #( Products.

22. (or distribution of Birla #(;s products, t"e Bank "as identified 1:: branc"es across t"e country, tostart wit". T"is will be e)tended to many more branc"es in due course.

33. nder t"e -!reement, Bank of Baroda will offer t"e entire Birla #(;s products across t"e Bank;sselected branc"es.

44. 'n its drive towards providin! !reater customer convenience, t"e Bank will continue to enlar!e its basket of products bot" its own as also t"ird party, levera!in! its vast branc" infrastructure.<

Baroda %irst 8ea$t .ac4

B(n '(, %n"*+-ce+ "* 2n+ ;(n-(" 2#12 ( ne$ c*!* 0(c * S()%n/, B(nRec-""%n/ De0*,% & G"*-0 Te" In,-"(nce (n+ Un% L%ne+ L%e In,-"(nce P"*+-c

,e+ (, B("*+( F%", e(' P(c 8BFP9.

Un+e" B("*+(F%", e(' P(c $'%c' %, ( !-n+e * B(n%n/ (n+ In,-"(nce0"*+-c, ( -0,- (*-n ,'( !e (en "* 'e c-,*e" %n *"+e" * 0"*)%+e

'e c-,*e" '%/' %e+ '"*-/' (+)(nce+ ,()%n/, (cc*-n ,(e (n+ ,e(+ /"*$'

* %n)e,en '"*-/' Rec-""%n/ De0*,% ?("e "e(e+ "e-"n '"*-/' ULIP (n+

%e In,-"(nce c*)e" '"*-/' ULIP (, $e (, %n!-% e" %n,-"(nce %n S()%n/, B(nAcc*-n.

Benefit .roposition =Baroda %irst 8ea$t .ac>4

.articu$ars Benefits o Customer Benefits to Ban&India

%irst

=Baroda %irst 1avingsBan ,ccount> (!it

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India %irst 1martsave .$an (*LI.)

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ROLE O/ TE(,NOLOGY IN BAN+ 

e+Business .roducts of our ?an

1. AT?c-De!% C("+,2. B("*+( C*nnec

3. B("*+( P'*ne B(n%n/

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,'+cum+De?it Card

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Baroda Connect

B("*+( C*nnec (n %ne"ne !(n%n/ 0"*+-c * *-" B(n %, 'e )e" %0*"(n

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B(n%n/ ,,e '"%)e, *n c-,*e", ,(e c*n%+ence "e0*,e+ 'ence ( ,(e

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♦ A00"*)(, F*" c*"0*"(e c-,*e", 'e"e c(n !e %n)*)een * -%0e

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2. D%"ec P( P(en T0e B%e".

,dvantages to Customers

N* *"e )%,%, =-e-e, (n+ $(%%n/ ( !"(nc'

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%ne/"(e+ (cc*-n. T'e,e $% !e

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3. One T"(+%n/ (cc*-n $%' In+%( In*%ne L+.

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♦ B("*+( P'*ne B(n%n/ Se")%ce %, F"ee * C*,.

♦ I %, ( IVRS 8Ine"(c%)e V*%ce Re,0*n,e ,,e9 $'%c' (*$, 'e c(e" * /e

%n*"(%*n -,%n/ ( *-c'*ne 0'*ne.

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♦ A*$, * (e ce"(%n "e=-e,, "e/("+%n/ (cc*-n,

♦ P"*)%+e, %n*"(%*n (!*- *'e" 0"*+-c, (n+ ,e")%ce, * *-" B(n

83 C,N ,A,IL E1E 1ERAICE14 C-,*e", (, $e (, n*n:c-,*e",

  C-,*e", '()%n/ O0e"(%)e Acc*-n 8SBCACCOD9 $%' (n +*e,%c CBS

B"(nc' $% /e Tee0'*ne Pe",*n( I+en%%c(%*n N-!e"8TPIN9

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An U,e" ,'( c*nnec ! +%(%n/ * T* F"ee N* 1## 2222 #@ "* (n+%ne

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0'*ne *" ()(%%n/ B("*+( P'*ne B(n%n/ Se")%ce (n+ $% 0-,' !-*n 'e

0"e,c"%!e+ (%n (cc*-n n-!e" (n+ TPIN (, 0"*0e+ ! ,,e.

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'e B(n '(, (-nc'e+ (n On%ne Ine"n(%*n( ?*ne T"(n,e" Se")%ce  B("*+(Re%0"e,,. T'%, 0"*+-c %, ( -n%=-e (n+ "*!-, *n%ne "e%(nce

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T'%, 0"*+-c %, -n%=-e (, % 0"*)%+e,

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♦ C'e(0e" '(n (n Ine"n(%*n( %"e T"(n,e"

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♦ F"ee Pe",*n(%e+ ?e,,(/e

♦ ?%n%- 5# USD GBP & EURO (n+ ?(6%- 5### USD GBP & EURO

D%e"en P( *+e, *" ,en+%n/ *ne * In+%(

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UK : CIP 8C-,*e" In%%(e+ P(en9EURO : L*c( %"e

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B%*e"%c AT? $*", *n %+en%%c(%*n * %n/e" 0"%n, ,-00*"e+ ! )*%ce

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8- is it ca$$ed Core Baning

T'e "e(,*n *" c(%n/ % C*"e B(n%n/ %, 'e (c '( ( C*"e B(n%n/ ,,e(e" +e0*en %, 'e 'e(" *" 'e c*"e * 'e !(n %n(nc%( %n,%-%*n. A

en%%e, '( *" 0(" * 'e ec*:,,e * 'e !(n %n(nc%( %n,%-%*n

%ne"(c $%' %. T'e,e en%%e, ("e

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B"(nc'e, ec. 8!*' -,e", (n+ ec'n%c( ,(9

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*%ce "e/%*n( *%ce, !"(nc'e, ec.

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ec.

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0"*ce+-"e,

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!*+%e,

♦ B(n ,'("e'*+e", 0"*)%+%n/ 'e +e,%"e+ "e-"n * ,'("e'*+e", "* !/.

*0,.

Ingredients tat constitute Core Baning

T'e"e ("e 5 e %n/"e+%en, '( *" 0(" * 'e C*"e B(n%n/ ,,e. T'e,e

("e 'e e,,en%( !-%+%n/ !*c, *" 'e en%"e !(n %n(nc%( %n,%-%*n.

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0(" * 'e $*"+.

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I%1 CodeIn+%(n F%n(nc%( S,e C*+e 8IFSC9 %, (n (0'( n-e"%c c*+e +e,%/ne+ *

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%", !(c' ,("%n/ ( #J## *n S(-"+(,

o! it is different from R#1

19 NEFT %, ( +*e,%c eec"*n%c 0(en ,,e 8e6ce0 Ne0(9 $'e"e(, RTGS

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59 In NEFT % 'e"e %, %nc*""ec (c n*. (*-n /e, !*-nce !(c * "e%%n/

!"(nc' $'e"e(, %n RTGS % "e(%n, $%' 'e "ece%)%n/ !"(nc'.

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!(,%, (n+ ,ee+ *n ( GROSS *" %n+%)%+-( !(,%, $%'*- ne%n/ 'e +e!%,

(/(%n, c"e+%,.

22

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♦ Seeen %n REAL TI?E e(n, 0(en "(n,(c%*n %, n* ,-!

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N*$ !(n %, /*%n/ * e,(!%,' *ne RBO %n e(c' *ne. T'e %", Re/%*n( B(c

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,%/n(-"e ,c(nn%n/ 0e",*n(%e+ c'e=-e !** %,,-(nceM *'e" (c%)%%e, ( !e

(++e+ %n +-e c*-",e %e ,(een 0"%n%n/ FDR "ene$(, TDS ce"%%c(e, (n+

,*e 0(" * ?IS.

B,R3D, Rapid %unds2India4

11.T'e 0"*+-c %, %n"*+-ce+ * 0"*)%+e e(, (n+ '(,,e:"ee *ne "(n,e"

,e")%ce * In+%)%+-(,:NRI,PIO, & C*"0*"(e, 8*" "e%%n/ ,((" 0(en, *

'e%" e0*ee,9 * "e% 'e -n+ %n In+%( "* UK UAE (n+ O(n ?(-"%%-,

Sec'ee, B*,$(n( H*n/K*n/ F%. U,%n/ RTGS 0(*" % !ene%c%(" '(, (cc*-n $%' *'e" !(n.

4@. F"ee "e%(nce %n c(,e !*' 'e "e%e" & !ene%c%(" ("e (%n(%n%n/ (c $%'

-,.

Digita$ signature4T'e +%/%( ,%/n(-"e %, (n enc"0%*n (n+ +ec"0%*n 0"*ce,, (*$%n/ !*'

'e 0*,%%)e %+en%%c(%*n * 'e (-'*" * (n eec"*n%c e,,(/e 8'* $"*e

'e e,,(/eW9 (n+ )e"%%c(%*n * %ne/"% * 'e e,,(/e 8H(, 'e e,,(/e!een (0e"e+ $%' +-"%n/ "(n,%,,%*nW9.

Enc"0%*n %, 'e "(n,*"(%*n * %n*"(%*n "* "e(+(!e *" %n* ,*e

"e(+(!e *".

Dec"0%*n %, 'e "e)e",e * enc"0%*nM %7, 'e "(n,*"(%*n * enc"0e++(( !(c %n* ,*e %ne%/%!e *".

Core Baning v&s Net!oring

819 In C*"e B(n%n/ 'e +(( "e(%n, $%' 'e cen"(%e+ '-! (n+ %, (cce,,%!e

"* (n !"(nc' (n %e. T'e !"(nc' +*e, n* '()e +(( "e(%n/ *

(cc*-n, (n+ 'e c-,*e", * 'e B(n (n+ n* * 'e B"(nc'. S%nce 'e!"(nc' +*e, n* '()e +(( 'e"e %, n* !(c *%ce -nc%*n ,-c' (, c(,' !**

GL !((nce ,'ee ec.

829 In c*nnec%)% *" Ne B(n%n/ 'e +(( "e(%n, $%' 'e !"(nc' (n+ c(n !e

(cce,,e+ "* )("%*-, !"(nc'e,. T'e c-,*e" e,,en%( "e(%n, ( c-,*e"* 'e !"(nc' (n+ n* * 'e B(n.

E$ectronic ?aning Canne$s

24

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1 AT?,

2 De!% "(n,e", 8-%% 0(en,93 C"e+% "(n,e", 8c*"0*"(e 0(*-,9

ECS

 P*S

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> Tee:!(n%n/ ?*!%e !(n%n/

@ C"e+% De!% c("+, S(" c("+, G% c("+,

Information ecno$og- ,ct 26664

An Ac * 0"*)%+e e/( "ec*/n%%*n *" "(n,(c%*n, c(""%e+ *- ! e(n, * 

eec"*n%c +(( %ne"c'(n/e (n+ *'e" e(n, * eec"*n%c c*-n%c(%*nc**n "ee""e+ * (, eec"*n%c c*e"ce $'%c' %n)*)e 'e -,e * 

(e"n(%)e, * 0(0e":!(,e+ e'*+, * c*-n%c(%*n (n+ ,*"(/e * %n*"(%*n.

T'e In*"(%*n Tec'n**/ 8IT9 Ac 2### (%, * 0"*)%+e ( e/( (n+ "e/-(*"

"(e$*" *" P"**%*n * e:C*e"ce (n+ e:G*)e"n(nce. IT Ac 2### $(,en(ce+ *n @' ;-ne 2### (n+ $(, n*%%e+ %n 'e *%c%( /(ee *n 1@' Oc*!e"

2###. T'e Ac %, (00%c(!e * $'*e In+%(.

T'e (

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1 A00e( "* *"+e" * A+

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(n+ +%,"%!-e 'e ,(e * "e,0ec%)e CBS !"(nc'e, *" *n$("+ +*$n*(+

 (cce,, ( 'e%" en+ (, 0e" 'e%" "e=-%"een.

  NeCAST %, ( -%% *" cen"(%e+ /ene"(%*n * "e0*",+*$n*(+, (n+

+%,"%!-%*n * 'e ,(e * 'e "e,0ec%)e CBS B"(nc'e,. I (++"e,,e, 'e %,,-e,

"e(e+ * "e0*" /ene"(%*n (c%)% !e,%+e, ,()%n/ c*n,%+e"(!e (*-n * (n'*-", %n)*)e+ ( 'e !"(nc' e)e.

'o?i$e Baning4 ?*!%e B(n%n/ ( ,%0 !e +e%ne+ (, -n+e"(%n/ !(n%n/ "(n,(c%*n,

-,%n/ *!%e 0'*ne, ! !(n c-,*e", '( %n)*)e c"e+% +e!% * 'e%"

(cc*-n,. ?*!%e 0'*ne, (, ( e+%- *" e6en+%n/ !(n%n/ ,e")%ce, '()e *:

(e !een ((%n%n/ /"e(e" ,%/n%%c(nce $%' 'e "(0%+ /"*$' %n 'e n-!e" * *!%e 0'*ne ,-!,c"%!e", %n In+%( !(n, '()e !een e60*"%n/ 'e e(,%!%% * 

-,%n/ *!%e 0'*ne, (, (n (e"n(%)e c'(nne * +e%)e" * !(n%n/ ,e")%ce,.

S*e !(n, '()e ,("e+ *e"%n/ %n*"(%*n !(,e+ ,e")%ce, %e !((nce

en=-%" ,*0 0(en %n,"-c%*n * c'e=-e, "(n,(c%*n, en=-%" *c(%*n * 

'e ne("e, AT? !"(nc' ec. Acce0(nce * "(n,e" * -n+, %n,"-c%*n *"c"e+% * !ene%c%("%e, * ,(e *" (n*'e" !(n %n ()*" * 0"e:"e/%,e"e+

!ene%c%("%e, '()e (,* c*ence+ %n ( e$ !(n,.

T"(n,(c%*n %% B(n, ("e n*$ 0e"%e+ * *e" '%, ,e")%ce * 'e%"

c-,*e", ,-!

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0"*+-c, *" ,e")%ce,. IPG ,'%e+, 'e !-,%ne,, -n% "* c*0e6 ec'n%c(

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!(n ,eeen !(n ec.

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,e%n/ 'e%" 0"*+-c, *)e" Ine"ne. IPG %, ,(e & en,-"e, enc"0%*n * ,en,%%)ec("+ %n*"(%*n +-"%n/ ,ec-"e+ "(n,%,,%*n !e$een c-,*e" e"c'(n (n+

0(en 0"*ce,,*",.

o! it !ors O0e"(%*n, e( %, ,e-0 * en"* ,-%(!e e"c'(n, 0"*)%+e (,,%,(nce %n

c*n%/-"%n/ ,ec-"e+ (cce,, (""(n/e *" +(:*:+( 0"*ce,,%n/ & ,eeen

$%' ?(,e" C("+V%,( (n+ c("" *- (,,*c%(e+ "ec*nc%%(%*n

S*$("e %n,(e+ ( e"c'(n ,%e $% en(!e 'e * "(c "(n,(c%*n, (n+/ene"(e "e0*", ( 'e%" en+

?e"c'(n $% /e 0(en *n 'e ne6 $*"%n/ +( %n 'e%" +e,%/n(e+ (cc*-n

F(c%%(e *-" e"c'(n, * ,ec-"e (cce0 0(en *" 'e%" *n%ne$e! !(,e+

,(e -,%n/ C"e+%De!% c("+, Acce0 ?(,e" C("+V%,( c"e+%+e!% c("+ %,,-e+ ! (n %n,%-%*n

?e"c'(n %n,(n /e, c*n%"(%*n * 'e "ece%0 * 0(en. B(,e+ *n '(

/**+,,e")%ce, c(n !e +e%)e"e+ * c*n,-e"

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*n%*"%n/ * ,e")e" *" )-ne"(!%% ec.

Benefits of Baroda e+#ate!a- for customers ?e"c'(n %, ,'%e+e+ "* %n,(%n/ (n+ (%n(%n%n/ c*0e6 0(en /(e$(

ec'n**/ (n+ %ne"(c%n/ $%' 0(en ,,e,.

P(en %, "ece%)e+ *n 'e ne6 $*"%n/ +( %n e"c'(n +e,%/n(e+ (cc*-n. ?e"c'(n c(n )%e$0"%n 'e%" "(n,(c%*n,. S%0e %ne"(ce $%' !(n, ,,e. I nee+e+ ,-00*" $*-+ !e 0"*)%+e+ *

c*n%/-"e 'e (cce,,.

C*n,-e" %, (,,-"e+ * ,(e * 'e%" c("+ +e(%,-,(/e. In (++%%*n 'e /e

c*n)en%ence * 0-"c'(,%n/ /**+,,e")%ce, "* 'e c**" * 'e%"'*e*%ce.

R*-n+ 'e c*c '(,,e "ee ,e")%ce. C"e(e ( ec' ,()) %(/e *" e"c'(n.

pportunities

♦ F(, (n+ ee"/%n/ ("e %n In+%( ,* !"(nc'e, ,'*-+ /ene"(e (6%-

e(+,.

♦ Fe$ n-!e", * en"(n, %n 'e 0(en /(e$( ,ec*".

♦ Fe6%!e 0"%ce ,"-c-"e '( c(n !e %0"*)e+ *n 'e !(,%, * "(n,(c%*n

)*-e (n+ !-,%ne,, (,,*c%(%*n.

♦ A!%% * *)e %n* ne$ ("e ,e/en, '( *e" !ee" 0"*%,.

Baroda Cas 'anagement 1-stem (BC'1)

C(,' ?(n(/een Se")%ce, %, ( ,*$("e (00%c(%*n 8C(,'Q%9 '( (c%%(e,(n(/een * c-,*e" -n+, 0("%c-(" * c*"0*"(e c-,*e",. C*"0*"(e

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c-,*e", $%' ("/e )*-e, * "(n,(c%*n, ("e 'e ("/e /"*-0 *" BC?S.

B("*+( C(,' ?(n(/een Se")%ce, (,* (c%%(e, Ine"ne B(,e+ T"(n,(c%*n,.

O0e"(%*n( ?*+e * BC?S %, c*n,%,%n/ * 3 %e", (, %,e+ !e*$:

1. D(( Cen"e

2. Cen"( O0e"(%*n( H-! 8COH93. I+en%%e+ BC?S B"(nc'e, C% B(c O%ce Se")%ce B"(nc'e,

BC?S '(, '"ee -n+ (n(/een *+-e, )%. C*ec%*n P(en & L%=-%+%

?(n(/een (n+ ( "*n:en+ %ne"(ce ()(%(!e * 'e c-,*e" '"*-/' 'eIne"ne.

Co$$ection 'odu$e  T'e C*ec%*n ?*+-e '(n+e, ( %n*$ * -n+, %n

c-,*e", (cc*-n, $'%c' c(n !e ! $( * :

♦ C(,' De0*,%

♦ P"*cee+, * *c( c'e=-e,

♦ P"*cee+, * *-,(%*n C'e=-e,

.a-ment 'odu$e  T'%, *+-e '(n+e, 'e *-*$ * -n+, ! $( * :

♦ D%"ec De!% In,"-c%*n, 8DDI9

♦ ECS ECS:+e!%

♦ ECS ECS c"e+%

♦ I,,-(nce * DD BC

♦ P(en '"*-/' RTGS NEFT

♦ I,,-(nce * D

Li7uidit- 'anagement 'odu$e  T'%, *+-e (c%%(e, ,$ee0%n/ * -n+,

"* )("%*-, (cc*-n, * 'e c-,*e", (n+ 0**%n/ 'e %n ( ,%n/e (cc*-n

c(e+ C*ncen"(%*n Acc*-n. T'e -n+, ()(%(!e %n '%, (cc*-n 'e0 'ec-,*e", %n *n%ne +ec%,%*n (%n/. T'e L%=-%+% ?(n(/een ?*+-e (,*

(c%%(e, -n+%n/ * )("%*-, (cc*-n, (, 0e" 'e "e=-%"een * 'e c-,*e",

*- * 'e !((nce ()(%(!e %n 'e C*ncen"(%*n (cc*-n. T'e L%=-%+%?(n(/een ?*+-e (c%%(e, !*' ,$ee0:%n (n+ ,$ee0:*- "* 'e

C*ncen"(%*n (cc*-n.

♦ P*, +(e+ C'e=-e C*ec%*n

♦ In)*%ce (n(/een