study -10.02.2012-P12
Transcript of study -10.02.2012-P12
-
8/9/2019 study -10.02.2012-P12
1/29
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+ $(, ,e:-0 %n ;(n-(" 2##1 (, (
-
8/9/2019 study -10.02.2012-P12
2/29
44. B(n, ("e "e=-%"e+ * 0"*)%+e 0e"%*+%c( %n*"(%*n * CIBIL %n 'e
0"e,c"%!e+ *"(. I 'e0, %n c*0%(%*n * c"e+% %n*"(%*n (cce,,%!e *
e!e" !(n, * %0"*)e =-(% * c"e+% 0"*0*,(, !ee" c"e+%
(n(/een (n+ C"e+% +%,,e%n(%*n -nc%*n
5>. B(n, FI, SFC, NBFC, H*-,%n/ F%n(nce C*0(n%e, (n+ C"e+% C("+
C*0(n%e, ("e ?e!e", * CIBIL
>@. CIBIL: Acce,, * c*n,-e" c"e+% %n*"(%*n
1 I+en%%e+ !"(nc'e, '()e !een /%)en -,e" ID.
2 T'e ,(nc%*n%n/ (-'*"% ,'*-+ c*n%" %n '%, n*e '()%n/ (cce,,e+
CIBIL +(( (n+ 'e %n*"(%*n *n !*""*$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+ *!
-
8/9/2019 study -10.02.2012-P12
3/29
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 *!
-
8/9/2019 study -10.02.2012-P12
4/29
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
-
8/9/2019 study -10.02.2012-P12
5/29
-
8/9/2019 study -10.02.2012-P12
6/29
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+%)%+-( *"
-
8/9/2019 study -10.02.2012-P12
7/29
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!.
TC, Baroda 6
-
8/9/2019 study -10.02.2012-P12
8/29
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, ! $( * ,%0e (/"eeen "* 'e !(n,FI,
,-!
-
8/9/2019 study -10.02.2012-P12
9/29
Criteria for determination of Base Rate '%e e(c' !(n ( +ec%+e %, *$n !(,e
"(e ,*e * 'e c"%e"%* '( c*-+ /* %n * +ee"%n(%*n * B(,e "(e ("e8%9 C*, * De0*,%,
8%%9 A+
-
8/9/2019 study -10.02.2012-P12
10/29
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
-
8/9/2019 study -10.02.2012-P12
11/29
>. 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,.
TC, Baroda 11
-
8/9/2019 study -10.02.2012-P12
12/29
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
in?ui$t feature of avai$a?i$it- of group
Insurance cover)
A)(%(!%% * (n (++:*n(c%%%e, %n 'e *" *
"ee!ee,. A++e+ Un%=-e %n!-% (c%% * c*)e"(/e
-n+e" /"*-0 In,-"(nce
Sc'ee *n n*%n( In,-.P"e%-
B"*(+en C-,*e" B(,e.P*,,%!%% * c"*,, ,e -0
,e.Inc"e(,e %n L*$ c*,
+e0*,%, !(,e.
=Baroda %irst Regu$arDeposit ,ccount>( annua$ Insta$$mentfor 56 -ears)
In)e,en %n H%/' Y%e+%n/Rec. De0*,%.N* "%, * Ine"e, "(e-c-(%*n,N* TDS +e+-ce+ ( ,*-"ce(, 0e" 0"e,en "-e,.
B(n $% /e *n/ (,%n/"e(%*n,'%0 $%' c-,*e"( e(, *" :1#: e(",.He0 %nc"e(,%n/ Rec-""%n/De0*,% !(,e %.e. *n/ e""e,*-"ce, *" 'e B(n
12
-
8/9/2019 study -10.02.2012-P12
13/29
India %irst 1martsave .$an (*LI.)
In,-"(nce C*)e"(/e (,0e" ULIP 0(n.
?("e !(,e+ e('c"e(%*n
B"*(+ !(,%n/ B-,%ne,,0*"*%*.
C*%,,%*n *n In,-"(nce0"e%- 0((!e * In,-"e"
'e"e! (++%n/ * N*nIne"e, Inc*e * 'e
B(n
Customer !i$$ Invest ever- -ear Baroda
%irst8ea$t
.ac+ 1i$ver
Rs:2@666
Baroda
%irst8ea$t
.ac+ #o$d
Rs:@6666
Baroda
%irst8ea$t
.ac+
.$atinum
Rs:566666B("*+( F%", Re/-(" De0*,% Ac 8R.D.
In,(en *" 1# ",9
Ann-(
In,(en * R,. 1####:
Ann-(
In,(en*
R,. 2####:
Ann-(
In,(en * R,. 5####:
B("*+( F%", S()%n/, B(n Acc*-n 8$%'
%n!-% e(-"e * ()(%(!%% * /"*-0In,-"(nce c*)e"9
R,. 225# R,. 4J##: R,. 1##
In+%( F%", S(" ,()e P(n 8ULIP9 R,. 12### R,. 24###: R,. 4####
P(en * G"*-0 Te" In,-. 0"e%-
8%nc. * Se")%ce T(69
R,. @5# R,11##: R,. 1J##
S- In,-"e+ -n+e" G"*-0 Te"
In,-"(nce 8A/e /"*-0 1 * 55 Ye(",9
2 (c, 3 (c, 5 (c,
S- (,,-"e+ -n+e" In+%(F%", S(" S()e
P(n 8(/e /"*-0 1:5# ",9
2 (c, 3 (c, 5 (c,
S- (,,-"e+ -n+e" In+%(F%", S(" S()e
P(n 8(/e /"*-0 51:55 ",9
2 (c, 2.>4 (c, 4.4# (c,
T*( In,-"(nce C*)e" 8ULIP G"*-0 Te"
In,-"(nce 9 *" 1:5# ", (/e+ C-,*e"
4 (c, > (c, 1# (c,
T*( In,-"(nce C*)e" 8ULIP G"*-0 Te"
In,-"(nce 9 *" 51:55 ", (/e+ C-,*e"
4 (c, 5.>4 (c, J.4# (c,
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/
4. ONLINE RTGS NEFT 8'"*-/' B("*+(:C*nnec95. B("*+( e:0(en G(e$(,>. B("*+( :C*nnec
@. B("*+( G% C("+
,'+cum+De?it Card
13
-
8/9/2019 study -10.02.2012-P12
14/29
-
8/9/2019 study -10.02.2012-P12
15/29
Baroda Connect
B("*+( C*nnec (n %ne"ne !(n%n/ 0"*+-c * *-" B(n %, 'e )e" %0*"(n
(e"n(e +e%)e" c'(nne 8ADC9. T'%, (,* (c%%(e, 'e c-,*e", * en
-
8/9/2019 study -10.02.2012-P12
16/29
B(n%n/ ,,e '"%)e, *n c-,*e", ,(e c*n%+ence "e0*,e+ 'ence ( ,(e
& =-(%(%)e c-,*e" ,e")%ce 0"*)%+e+ ! 'e B(n %, 'e 0"e:"e=-%,%e *"0(c%n/ %,e (, 0"ee""e+ 0*,%%*n %n 'e ("e. Un*"-n(e %n "ecen 0(,
,*e ,*" * %e/( 0"(c%ce, 80'%,'%n/ )%,'%n/ %,'%n/ ,%,'%n/9 !
-n(-'*"%e+ 0e",*n, c(e %n* 0%c-"e. Hence *" en
-
8/9/2019 study -10.02.2012-P12
17/29
♦ A00"*)(, F*" c*"0*"(e c-,*e", 'e"e c(n !e %n)*)een * -%0e
-,e", *" "(n,e" * -n+, 0(en * !%, ec (n+ B("*+( c*nnec (*$,
-%0e -,e", * */ %n (n+ %n%%(e (00"*)e 'e "(n,(c%*n, (, 0e" 0*$e",
+ee/(e+ ! 'e c*"0*"(e * 'e%" -,e",.
♦ T"(+e F%n(nce =-e"%e, "e(%n/ * I0*"E60*" In(n+ T"(+e B.G. F*"$("+
C*n"(c.♦ D%"ec S((" -0*(+ (c%%.
♦ ASBA (c%%
Limit for transactions (,mt: in Rs:)
Retai$ Corporate
Se %ne+
Ac
T'%"+ 0("
-n+ "(n,e"
Se -n+
"(n,e"
T'%"+ 0("
-n+ "(n,e"
Pe" "(n,(c%*n Un%%e+ 5#### 5##### 5####
D(% %% Un%%e+ 1##### 1######
1#####
ee %% Un%%e+ 4##### 4#####
#
4#####
?*n' %% Un%%e+ 1###### 1####
###
1######
Ye(" %% Un%%e+ >###### >####
###
>######
Re(% c-,*e", c(n '()e (6.5 "(n,(c%*n,+(. B- %n c(,e * C*"0*"(e
c-,*e", 'e"e $% n* !e (n "e,"%c%*n, *n 'e N-!e" * T"(n,(c%*n, 0e"
+(. T'e %% *" c*"0*"(e c-,*e" c(n !e %nc"e(,e+ *n 'e "e=-e, * 'e
c-,*e" (n+ "ec*en+(%*n * 'e c*nce"ne+ !"(nc'.
B("*+( e(, P( %, (n e:0(en ,e")%ce *" 'e Ine"ne B(n%n/ c-,*e",
* *-" B(n. Ine"ne B(n%n/ c-,*e", * *-" B(n c(n (e 0(en * 'e%"-%% !%, %n,-"(nce 0"e%- ,-!,c"%0%*n *" !**, (/(%ne, !** (%"
%ce, (e +*n(%*n, (n+ c'("% *n %ne '"*-/' B("*+( e(, P(.
T'%, ,e")%ce (*$, ( c-,*e" * ,ee (n+ 0( )("%*-, !%, +%"ec "* 'e%"
(cc*-n '"*-/' B("*+( C*nnec 24 '*-", ( +(. A 0"e,en (c%% * (e0(en, * )("%*-, -%% !%, )%. *!%e ee0'*ne (n+ eec"%c% ec. %,
()(%(!e *" !%e", * ?-!(% cen"e *n.
Baroda eas- .a-
B("*+( e(, P( %, (n eec"*n%c !% 0"e,enen (n+ 0(en ,e")%ce
(-nc'e+ ! 'e B(n %n (,,*c%(%*n $%' B% De, ( $e:n*$n ec'n**/(n+ 0(en ,e")%ce c*0(n. I %, "(n,(c%*n !(,e+ %ne"ne !(n%n/ ,e")%ce
*" c-,*e", * ?-!(% CBS !"(nc'e,. T'%, ,e")%ce %, 0"*)%+%n/ $* 0e, *
,e")%ce, * 'e c-,*e",1. B% P( P"e,enen T0e B%e"
16
-
8/9/2019 study -10.02.2012-P12
18/29
2. D%"ec P( P(en T0e B%e".
,dvantages to Customers
N* *"e )%,%, =-e-e, (n+ $(%%n/ ( !"(nc'
F(c%% %, ()(%(!e *n 246@ !(,%,
C(n (e 0(en "* (n$'e"e E(,e * *0e"(%*n (n+ c*n)en%ence
C(n 0( -%% !%, *n !e'( * 'e %n+%)%+-( %" *" c*0(n
In,(n C!e" Rece%0, *" 'e 0(en (+e
C(n V%e$ 0(, 0(en, ( (n 0*%n * %e B("*+( e(, P( Se")%ce %, "ee * c'("/e
Baroda e+rading
B("*+( e:T"(+%n/ (n *n:%ne ,'("e "(+%n/ (c%% %, *e"e+ -n+e" ( %e:-0
(""(n/een $%' ?, In+%( In*%ne L+. 8IIL9. B("*+( e:T"(+%n/ %, 3:%n:1
%ne/"(e+ (cc*-n. T'e,e $% !e
1. One *0e"(%)e (cc*-n $%' CBS !"(nc'2. One DE?AT (cc*-n e%'e" $%' *-" B(n *" In+%( In*%ne L+.
3. One T"(+%n/ (cc*-n $%' In+%( In*%ne L+.
Baroda .one Baning
♦ 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.
♦ A)(%(!e * c-,*e", '()%n/ SB CA OD CC LOAN FIED (cc*-n,.
♦ C(n !e -,e+ "* (n$'e"e %n In+%(
♦ A)(%(!e %n H%n+% (n+ En/%,'
♦ E(,e * *0e"(%*n (n+ c*n)en%ence
♦ G%)e, C-,*e", (cc*-n %n*"(%*n ( (n * CBS !"(nc' %n INDIA
♦ 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
H*$e)e" ( 0"e,en ( B("*+( C*nnec -,e", (n+ ne$ C-,*e", * ,eec
CBS B"(nc'e, '()e !een (*c(e+ 4 +%/% TPIN ! +e(- %.e. $%'*- "e=-e,.T'e (%n !(,e (cc*-n * B("*+( c*nnec *n ,'( /e TPIN !- 0'*ne
!(n%n/ (c%% ,'( !e (-*(%c( ()(%(!e * ( *'e" (cc*-n, %ne+ *
'%, !(,e (cc*-n '()%n/ ,(e c-,*e" ID.
S* ( c-,*e" -, */%n $%' (cc*-n n-!e" * 'e (%n!(,e (cc*-n *"
$'%c' TPIN '(, !een c"e(e+.
F*" /e%n/ Gene"( In*"(%*n 8,-c' (, "(e, * %ne"e,M F*"e6 "(e, ec.9 'e
c-,*e", (, $e (, n*n:c-,*e", nee+ n* '()e (n (cc*-n ID (n+ TPIN.
An U,e" ,'( c*nnec ! +%(%n/ * T* F"ee N* 1## 2222 #@ "* (n+%ne
17
-
8/9/2019 study -10.02.2012-P12
19/29
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.
BarodaRemitXpressIn ee0%n/ $%' 'e B(n, /*( * ee"/%n/ (, ( "-e %ne"n(%*n( !(n * In+%(
'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
,*-%*n "* USA UK (n+ E-"**ne. T'%, *n%ne ,e")%ce %, !(n:ne-"( '-, n*
"e=-%"%n/ 'e ,en+e", (n+ 'e "ec%0%en, * '()e ( !(n (cc*-n $%' -,.
T'%, 0"*+-c %, -n%=-e (, % 0"*)%+e,
♦ De,*0:*:D**",e0 S*-%*n
♦ C*n)en%ence c-,*e" c(n -,e (n !(n %n 'e U.S. U.K. (n+ EURO ONE
♦ C'e(0e" '(n (n Ine"n(%*n( %"e T"(n,e"
♦ S%/n%%c(n c'e(0e" '(n ( *ne:"(n,e" (/en
♦ -%ce" '(n (n %ne"n(%*n( c'ec
♦
246@ C-,*e" Se")%ce♦ G*!( Sec-"% S(n+("+, : 12:!% enc"0%*n
♦ On%ne F-n+, T"(ce"
♦ 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+%(
US : On%ne ?*ne T"(n,e"
UK : CIP 8C-,*e" In%%(e+ P(en9EURO : L*c( %"e
C-,*e" c(n ,en+ *ne "* *)e" 12### US !(n, (n+ ( UK & EURO ONE
!(n,. Bene%c%(" $% "ece%)e In+%(n R-0ee -n+, %n 'e *" * ( De(n+ D"(.
T%e, * ?*ne %, B(n * B("*+(7, (%(nce 0("ne" *" 'e B("*+(Re% 0"e,,,e")%ce.
Cit- Bac 3fficeT'e B(n '(, %n"*+-ce+ C% B(c O%ce c*nce0 %n e", * $'%c' 'e en%"e
ce("%n/ (n+ c*ec%*n, -nc%*n, * ( !"(nc'e, %n 'e c% '()e !een cen"(%e+( 'e Se")%ce !"(nc'e, (n+ ,eece+ ?(%n O%ce,. N*$ CBO, ("e (,* /e%n/
!ene%e+ $%' 'e c*%,,%*n e("ne+ *! c'e=-e ce("%n/.
Biometric Cards &,'
B%*e"%c c("+, (-'*"%e "(n,(c%*n, !(,e+ *n 'e c-,*e", !%**/%c(
("%!-e,. I c*-+ "(n/e "* %n/e"0"%n, * )*%ce * %"%, * 'e ee,. I %,e,0ec%( -,e- *" '*,e $'* ("e %%e"(e *" n* (%%(" $%' 'e (n/-(/e
-,e+ ! 'e AT? * c*n+-c "(n,(c%*n,. F*" e6(0e %n c(,e * ( %n/e"0"%nM (
%n/e"0"%n +*e, 'e
-
8/9/2019 study -10.02.2012-P12
20/29
B%*e"%c AT? $*", *n %+en%%c(%*n * %n/e" 0"%n, ,-00*"e+ ! )*%ce
0"*0%n/ %n *c( (n/-(/e. T'e e e(-"e, * !%*e"%c AT? ("e -,e * %n/e" %0"e,,%*n %n 0(ce * PIN )*%ce *-0- *" 0e*0e $'* c(nn* "e(+ c**-"
c*+e, ()(%(!e *" +%e"en (*-n, %6e+ (*-n (c%% n* e!*("+ ec.
O-" !(n, %", !%*e"%c AT? $(, %n,(e+ ( G(n+e)% G-
-
8/9/2019 study -10.02.2012-P12
21/29
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
♦ B(n e0*ee, H.O. C*"0*"(e O%ce *n( O%ce, Re/%*n( O%ce,
B"(nc'e, ec. 8!*' -,e", (n+ ec'n%c( ,(9
♦ B(n (n(/een E6ec-%)e, ?(n(/e", ( "e,0ec%)e *c(%*n, 'e(+
*%ce "e/%*n( *%ce, !"(nc'e, ec.
♦ B(n c-,*e", 0e",*n( !(n%n/ c*"0*"(e !(n%n/ %ne"n(%*n( !(n%n/
ec.
♦ B(n (-+%*", %ne"n( (n+ e6e"n( (-+%*", $'* nee+ * )e"% ,,e, (n+
0"*ce+-"e,
♦ B(n "e/-(*", (n+(*" "e0*"%n/ * cen"( !(n (n+ *'e" %n(nc%(
!*+%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.
1. Gene"( Le+/e"2. C-,*e" In*"(%*n S,e
3. De0*,% ,,e
4. L*(n S,e
5. ?(n(/een In*"(%*n ,,e 8?IS9
Benefits of CB1 to te Customer
1. T'e c-,*e" $% !e * B(n (n+ n* * ( !"(nc'.2. He c(n (cce,, '%, (cc*-n "* (n CBS B"(nc' '"*-/' Ine"ne "* (n
0(" * 'e $*"+.
3. He c(n *0e"(e '%, B(n (cc*-n, *n 24 @ !(,%, "* (n$'e"e.
4. A %n*"(%*n (!*- 'e (cc*-n %, ()(%(!e *n "e( %e !(,%, *n%ne.5. H-/e ,()%n/, * %e (n+ c*, (, (" (, *!(%n%n/ )("%*-, %n*"(%*n %,
c*nce"ne+
>. Bee" -n+ (n(/een $%'*- 0(%n/ (n '%n/ e6"( 'e"e! ,()%n/ 'e
c*,.@. C(n "(n,e" 'e -n+, !e$een (cc*-n, $%'*- (n %ne")en%*n *" ,-00*"
"* !(n, *%c%(,.. C(n ()(% 'e !ene%, * ec'n**/ +"%)en 0"*+-c, '"*-/' CBS
J. C-,*e" $% /e *ne -n%=-e c-,*e" ID. He c(n ,-!,e=-en en
-
8/9/2019 study -10.02.2012-P12
22/29
I%1 CodeIn+%(n F%n(nc%( S,e C*+e 8IFSC9 %, (n (0'( n-e"%c c*+e +e,%/ne+ *
-n%=-e %+en% 'e !(n:!"(nc'e, %n In+%(. T'%, %, 11 +%/% c*+e $%' %", 4
c'("(ce", "e0"e,en%n/ 'e !(n, c*+e 'e ne6 c'("(ce" "e,e")e+ (, c*n"*
c'("(ce" 8P"e,en # 8ER#9(00e(", %n 'e %' 0*,%%*n9 (n+ "e(%n%n/ >c'("(ce", * %+en% 'e !"(nc'. IFSC N*. *" !"(nc'e, * *-" B(n %,
BARB# $'e"e %, *" B"(nc' A0'(. B- % 'e (0'( c*+e %, e,,
'(n > c'("(ce", % ,'*-+ !e 0(++e+ ! (e" 'e (0'( %.e. % 'e !"(nc'(0'( * *-" ?*-n A!- !"(nc' %, ABU 'en 'e IFSC c*+e * '%, !"(nc' $% !e
BARB#ABU.
NE%N(%*n( Eec"*n%c F-n+, T"(n,e" 8NEFT9 ,,e %, ( n(%*n $%+e -n+, "(n,e"
,,e * (c%%(e "(n,e" * -n+, "* (n !(n !"(nc' * (n *'e" !(n
!"(nc'.T'e ,,e -,e, 'e c*nce0 * cen"(%,e+ (cc*-n%n/ ,,e (n+ 'e
!(n7, (cc*-n $'%c' %, ,en+%n/ *" "ece%)%n/ 'e -n+, "(n,e" %n,"-c%*n, /e,
*0e"(e+ ( *ne cen"e )%. ?-!(% *n.T'e"e %, n* )(-e %% *" %n+%)%+-( "(n,(c%*n,. NEFT %, ,ee+ %n ee)en
!(c'e, $%' %", !(c' ,("%n/ ( #J## *n $ee+(, (n+ %n %)e !(c'e, $%'
%", !(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 $'e"e(, RTGS
(*$, "e%(nce "* (!"*(+ (,*.29 ?%n%- A*-n %n RTGS %, R,. 2 (c $'e"e(, %n NEFT % %, R,.1 *n.
39 NEFT "(n,(c%*n, ("e 0"*ce,,e+ %n ( !(c' 811 %n ( n*"( +( (n+ 5 *n
S(-"+(9 $'e"e(, RTGS "(n,(c%*n, ("e 0"*ce,,e+ *n Re( T%e !(,%,.
49 NEFT "(n,(c%*n c(n !e +*ne ! c(,' (,* $'e"e(, RTGS c(n !e +*ne(cc*-n * (cc*-n.
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'.
>9 NEFT "(n,(c%*n c(n !e +*ne ! c(,' 8%.e. n*n c-,*e", c(n (,* ()(% 'e!ene% * NEFT ! +e0*,%%n/ c(,' -0 * R,.5####:9 $'e"e(, RTGS c(n !e
+*ne (cc*-n * (cc*-n *n.
Rea$ ime #ross 1ett$ement (R#1)♦ T'e (c"*n RTGS ,(n+, *" Re( T%e G"*,, Seeen. An RTGS
P(en ,,e %, *ne %n $'%c' 0(en, %n,"-c%*n, !e$een !(n, ("e0"*ce,,e+ (n+ ,ee+ %n+%)%+-( (n+ c*n%n-*-, '"*-/'*- 'e +(
♦ T'%, %, %n c*n"(, * 'e ne ,eeen, $'e"e 0(en %n,"-c%*n, ("e
0"*ce,,e+ '"*-/'*- 'e +( !- %ne":!(n ,eeen, (e, 0(ce *n(e"$("+,. P(en %n,"-c%*n, 0"*ce,,e+ *n ( c*n%n-*-, *" REAL TI?E
!(,%, (n+ ,ee+ *n ( GROSS *" %n+%)%+-( !(,%, $%'*- ne%n/ 'e +e!%,
(/(%n, c"e+%,.
22
-
8/9/2019 study -10.02.2012-P12
23/29
♦ Seeen %n REAL TI?E e(n, 0(en "(n,(c%*n %, n* ,-!
-
8/9/2019 study -10.02.2012-P12
24/29
N*$ !(n %, /*%n/ * e,(!%,' *ne RBO %n e(c' *ne. T'e %", Re/%*n( B(c
O%ce $(, e,(!%,'e+ ( B("*+(. T'e RBO, ("e c(e"%n/ * ( c-,e" * 35#:4##!"(nc'e, *" !(c *%ce (c%)%%e, ,-c' (, cen"(%e+ (cc*-n *0en%n/
,%/n(-"e ,c(nn%n/ 0e",*n(%e+ c'e=-e !** %,,-(nceM *'e" (c%)%%e, ( !e
(++e+ %n +-e c*-",e %e ,(een 0"%n%n/ FDR "ene$(, 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$s
24
-
8/9/2019 study -10.02.2012-P12
25/29
1 AT?,
2 De!% "(n,e", 8-%% 0(en,93 C"e+% "(n,e", 8c*"0*"(e 0(*-,9
ECS
P*S
4 H*e B(n%n/ PC !(n%n/5 Ine"ne !(n%n/ An$'e"e !(n%n/
> 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 * $'*e In+%(.
T'e (
-
8/9/2019 study -10.02.2012-P12
26/29
1 A00e( "* *"+e" * A+
-
8/9/2019 study -10.02.2012-P12
27/29
(n+ +%,"%!-e 'e ,(e * "e,0ec%)e CBS !"(nc'e, *" *n$("+ +*$n*(+
(cce,, ( 'e%" en+ (, 0e" 'e%" "e=-%"een.
NeCAST %, ( -%% *" cen"(%e+ /ene"(%*n * "e0*",+*$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", ,-!
-
8/9/2019 study -10.02.2012-P12
28/29
0"*+-c, *" ,e")%ce,. IPG ,'%e+, 'e !-,%ne,, -n% "* c*0e6 ec'n%c(
%n"(,"-c-"e "e=-%"e+ *" e:c*e"ce !-,%ne,,. I 0"*)%+e, nece,,(" (cce,, *0(en ,,e %nc-+%n/ Ine"c'(n/e (/enc%e, %e ?(,e"V%,( c("+ %,,-%n/
!(n ,eeen !(n ec.
I %, e,,en%( *" "e(%e", $'* '()e (n *n%ne 0"e,ence (n+ ("e %ne"e,e+ %n
,e%n/ 'e%" 0"*+-c, *)e" Ine"ne. IPG %, ,(e & en,-"e, enc"0%*n * ,en,%%)ec("+ %n*"(%*n +-"%n/ ,ec-"e+ "(n,%,,%*n !e$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"
I0eene+ (e, %n+-," ,(n+("+ ,ec-"% e(-"e, )%. Ve"%%e+ ! V%,(?(,e" C("+ Sec-"e C*+e $* (c*" (-'en%c(%*n 12 !% SSL c*n%n-*-,
*n%*"%n/ * ,e")e" *" )-ne"(!%% ec.
Benefits of Baroda e+#ate!a- for customers ?e"c'(n %, ,'%e+e+ "* %n,(%n/ (n+ (%n(%n%n/ c*0e6 0(en /(e$(
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
-
8/9/2019 study -10.02.2012-P12
29/29
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