*72@dž0> ȉ January - March 2020
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Inauguration of Bank of Baroda - IIT Bombay Innovation Centre
The Bank of Baroda IIT Bombay Innovation Centre (BOB IIT B IC) was inaugurated by our MD & CEO Shri Sanjiv Chadha and Prof Subhasis Chaudhuri, Director, IIT Bombay in the presence of Shri P. S. Jayakumar, Ex MD & CEO of our Bank, Padmashri Mohandas Pai, Padmashri Deepak Pathak and our Executive Directors Shri Murali Ramaswamy, Shri Shanti Lal Jain and Shri Vikramaditya Singh Khichi during the Entrepreneurship Summit, 2020 on 04.02.2020. The objective of the centre is to evaluate and adopt emerging technologies, develop a culture of Innovation, foster LQQRYDWLRQVLQWKHÀQDQFLDOKDUGZDUHVSDFHDQGFRQWULEXWHWR Bank’s digital strategy.
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Bank launches Baroda Startup Banking
%DURGD 6WDUWXS %DQNLQJ D ÁDJVKLS LQLWLDWLYH RI WKH %DQN ZDV inaugurated on 26.02.2020 by Shri Rajiv Kumar, IAS, Finance Secretary at New Delhi in presence of our MD&CEO Shri Sanjiv Chadha and Executive Director Shri Vikramaditya Singh Khichi. The initiative is aimed at making Bank of Baroda a preferred banking partner for the startup community and establishing connect with at least 2000 start-ups over the next two years. It has been launched simultaneously across 15 cities of the country.
2 *72@dž0> ƣơƣơ : @7 ð>ƠSanjiv Chadha Ð.)?*(G870A1>1,>4¦)>2@>:(G8 0DQDJLQJ'LUHFWRU &KLHI([HFXWLYH2ႈFHU V0HVVDJH ?Ð1.WL?(1*:>?'1KƝ Dear Barodians, It is a great pleasure to communicate :G/B&,B7:010|Ɲ .;0K?7#džƢƪ H:@0;>0>2@Ŋ>2%.Ĩ&;@:& with you through the pages of 24.G4I#> *>:>0*>22;G;Ɲ0A G.I.0HÎ@Ŋ*7@*&0Ŋ0>10 Bobmaitri in these unprecedented :G,Ŋ:>':7>(2&GĨÐ:þ&>;K2;@;HƟ times wherein we are seeing gradual easing of the strictest and longest 7¬1:G7>Ĝ>?;®:>;K*GŊ*>&G4I#> *Ŋ.>7 B(/@;0>2G.*G,*@ lockdown in the wake of Covid-19 ƪƪƖ8>>Ĝ2ƪơƖ!@00|,¦2 >4* >4B2&GĨ?*.>):G7>Ð(>* pandemic. ½;Ɵ1;7>®&70|:2>;*@1 ,4§¢);H20.?Œ:G7>ĜK?*2&2 >2@ Being part of essential services, our Bank offered uninterrupted 2*GŊ,Ŋ(¤12 :>;,B%Ð1>:ĜŊ?4ŝ&&>«1Ú2&>ĩƟK?7# services notwithstanding the lockdown with 99% of branches and 90% of ATMs being operational. This is indeed a creditable 1K÷>ĜŊē,0|,ŊÐ1>:7>®&70|Ð8:*@12:2>;*@1;Ɵ achievement and I wish to place on record my profound K2K*>7>12:ŊÐ:>2Ŋ>2%(.>7Ë®&'«17®'>Ŋ:>'4/:/@GÎĜ appreciation for your unrelenting and brave efforts to ensure K«1>7:>?10K Ğ,2?*?ă&&>2?*2>8>7>(>:>0*>2*>,W2;>;HƟ that banking services continued. Your efforts as COVID warriors :2>2*G'«17®'>Ŋ?4ƣƢ4>2KWĒ,1GŊ,HŊ ½K9%>½;H are truly praiseworthy and commendable. With the economy struggling due to the spread of coronavirus, ? :0|0:0 GÎK %(G*GŊ?4Ƥ4>2KWĒ,1G>,HŊ /@8>?04 nearly all sectors face uncertainty and pessimism over business ;HƟ;0>2>.0:0 GÎK4/ēƟƪƝƤƥƦ2KW> %0 B224@ conditions. Government announced a Rs 21 lakh crore ,?Ú0|;HƟ:>';@Ɲ ::!:G?*,!*G0|0((2*GŊ?4:/@,>Î )>2&>Ĝ package for the economy which included a package of Rs 3 lakh crore for onward lending to MSME sector. Our Bank has ½?)®'*7?)K.X>?(1>1>;HƟ been in the forefront by sanctioning about Rs 9,345 crore to :@,CĈ/B?00|.*G:0>0G?4& > Ŋē,0|?779ƣơƣơ½ L'@ MSME sector. Also, the moratorium has been extended to all ?&0>;@0|ĒƟƦơƨ2KW>8A÷4>/2,B2G?779ƣơƣơŊ(L2>*ēƟƦƥƧ the eligible borrowers to help them tide through the crisis. 2KW>8A÷4>/( ?1>;HƟ:0>0G?4& > Ŋē,0|,*G,¦2 >4*Ŋ It is in this backdrop that the Bank, as an amalgamated entity, UHSRUWHGQHWSURÀWRI5VFURUHIRU4)<DQG5VFURUH ,;4G790|;@8A÷4>/( 2*GŊ:>'dž:>'.*G,*@>:> 0>2>?81Ĝ0| IRUIXOO\HDU)<%HVLGHVUHSRUWLQJQHWSURÀWLQWKHÀUVW\HDU .$K&2@24>&Ð.)*0|Ř84&>/@?(> ;HƟƤƢ0> ƝƣơƢƪŊƤƨƟƣƧƖ of its operations as an amalgamated entity, the Bank also :GƢƩƣ)>2.X2ƤƢ0> ƝƣơƣơK>:>*A,>&ƤƪƟơƨƖ;K1> VDZWUDFWLRQLQLWV&$6$GHSRVLWVDQGHIÀFLHQF\LQPDQDJLQJ FRVWV7KH&$6$UDWLRLQFUHDVHGE\ESVIURPDVRI 2:0>0G?4& > >4>&dž1*A,>&?779ƣơƢƪŊƦƣƟơƢƖ:G 0DUFK WR DVRI0DUFKDQGWKHFRVWWR !2?779ƣơƣơ0|ƥƨƟƩƧƖ;K1>Ɵ income ratio of the combined entity fell from 52.01% in FY 2019 §®'2,¦2 >4* ĞŊ>2%?779ƣơ0|,¦2 >4*4>/ƢƪƖ.X2ēƟ WRLQ)< 7KHRSHUDWLQJSURÀWLQFUHDVHGE\ LQ)<WR5V FURUH ƢƪƝƧƪƢ2KW2;>;HƝ K?779Ƣƪ0|ƢƧƝƦƥƦ2KWĒ,1G'>Ɵ.Ŋ!ŧG 2@ from Rs 16,545 crore in FY19 driven by stable operating expenses. ,¦2 >4**G4>/Ð(&>0|.W>1K(>*?1>;HƟ79Ŋ(L2>*.½§®&A%7> %DQN·VWUHDVXU\DGGHGWRSURÀWVZLWKDODUJHFRQWULEXWLRQ7KH 0|:A)>2Ĩ;HƟ?77G,B% ,>1Ŋē,0|.*G,*GÐ>7)>*72G *A,>& asset quality of the Bank improved in the year. The Bank, as a 0|7C?÷ >2@2@;H K.ƩƢƟƤƖ;HƟ @*,@*A,>&0> ƣơƢƪŊƢơƟơƣƖ prudent measure continued to increase its provision coverage ratio which now stands at 81.3%. The GNPA ratio fell to 9.40% :G?220> ƣơƣơ0|ƪƟƥơƖ;K1>;H2 :@7?)0|**,@ƤƟƧƦƖ as of March 2020 as against 10.02% as of March 2019 and the :G?22ƤƟƢƤƖ;K1>;HƟ NNPA fell to 3.13% from 3.65% over the same period. :>';@Ɲ.Ŋ?41;:A?*?ă&2*>/@?*7>1;H?7;:/@ A*L?&1ĜŊ Going ahead, it is imperative for the Bank to ensure that it provides the banking services seamlessly irrespective of the .>7 B(/@.?Œ:G7>ĜK?*.>)ē,:GÐ(>*2*> >2@2GƟ?#? !4@2%½ challenges it faces. The strategy to be pursued is to expedite Ð?É1>K&G 2*G½>1*@?&.*> >*@ >?;Ɵ1?((G1&>Ĝ½.>&2|&K the process of digitisation. On the liabilities side, there is greater ;0>2G?#? !4.?Œ H*4Ĝ1>*@0K.> 4.?Œ,2 !2*G!.?Œ½«1>, acceptability of our digital banking channels, that is, the mobile banking app and internet banking. Our Mobile banking ®7@>1&>;HƟ;0>2G0K.> 4.?Œ,K(G8Ŋ:/@.WG.Ĝ0|8@9Ƥ,0|:G App is rated as one of the top 3 apps amongst all large banks 0>*> >&>;HƟ. &.>&>)>2ĜŊ>&GÐ0Aē,:G!H..?ŒÐ?É1>Ŋ in the country. The account opening process for savings bank 0>10:GK4G >2;G; K;0>2GË>;ĜŊ?4:>*2:A?7)> *;H2 account holders is done majorly through Tab banking which ::G!*2> #:01ƙ!H!ƚ/@0;K&>;HƟ;0*G,*G >4B>&>Ë>;ĜK/@ enhances the ease and convenience for our customers and reduces the turnaround time (TAT). We have extended this 1;:A?7)> ,4¢)2>1@;27H G/@ :7H§¨, H*4:G4>/>§7&;K2;G;Ɵ facility to our current account customers also and they are also ;0*G,*G )>2&>Ë>;ĜŊ?4?#? !4 %?7/>½®'>,*>½;H K EHQHÀWWLQJIURPWKLVFKDQQHO)RURXUDVVHWFXVWRPHUVZHKDYH ¦2!G420:0 )>2&>ĜK2.G;&2:A?7)>Ð(>*2G>Ɵ VHW XS D 'LJLWDO /HQGLQJ 'HSDUWPHQW ZKLFK ZLOO VLJQLÀFDQWO\ increase convenience for Retail and MSME borrowers. &¦2ē,:GƝ> 2?;&>1,÷?&K,*>*GŊ:>';0>2@?#? !4@2% Internally, the digitisation process has gathered momentum ½Ð?É1>K?&?04@;HƟ*A0K(*2&2dž?7/>,Î> >2½Ð?É1>&G @:G ZLWKDGRSWLRQRISDSHUOHVVRIÀFH7KHSURFHVVRIDSSURYDODQG ?#? !4@ŝ&;K2;@;HƟ:>';@Ɲ.H"ŌƝ>17!*Ɲ>1½:0@> H:@?*1?0& inter department communications are increasingly digital. Also, the routine activities in the form of meetings, work allocation, ?&?7?)1>?#? !4ē,0|: >?4&½ >2;@;Ɵ ::G;0>2>,¦2 >4*2 review of work are being conducted in digital mode. This would 1>(>:AđX;K>2;0.W@0>ō!?;®:G(>2@ A!>*GŊ?4&H1>2;ĜG1Ĝ?;0 ensure sustainability of our operations and prepare us to gain .G;&2Ë>;*A/7Ð(>*2*G0|:0;ƟGÎĜ½.>&2|&Kŝ?920:0 higher market share as we are able to deliver better customer GÎĜ0|Ř ?&?(*G½ ¤0@(;H? :>;0|?):G?)->1(> ">*> experience. Among the sectors, agriculture and MSME sectors are expected to show some traction which we should utilise ;K>Ɵ'«17®'>0|0(@Ŋ>2%A(2>GÎ,2Ð?&ř4Ð/>7,W*G½:/>7*>;HƟ to the extent possible. Retail segment may be impacted 0 :7:2,2?"*:010|,½W@0G;*&2Ð1>:ĜŊ?4,K adversely due to the slowdown in the economy. )17>((G&>ĩƟ I take this opportunity once again to thank one and all for your hard work and efforts during these testing times. 8A/>0*>Ĝ:?;&Ɲ With best wishes
ƙ: @7 ð>ƚ (Sanjiv Chadha)
January - March 2020 3 :,>(0#4Editorial Board >1>2@:,>(ƠǍǻǨǦǸǷǬǹǨǍǧǬǷDzǵ :0| ŊƟ>2Ɵ*>G? 1>ƠǓƟǚƟǓǤDZDzǭǬǤ Contents ?791ƿ7®&AÐ.)*!@0 NjDzDZǷǨDZǷǕǤDZǤǪǨǰǨDZǷǜǨǤǰ *72@dž0> ȉǒǤDZǸǤǵǼdžǕǤǵǦǫƣơƣơ >GƟŊƟ>H4ǗƟǓƟǓǤǸǯ ơƤ Ð.)?*( 87G 0 1>1A ,>4¦)>2@>: ( 8G : 1Ř0>2ǛǤDZǭǤǼǓǸǰǤǵ ơƦ >1>2@:,>(½40:G 2>)>>&0>'A2ǚǤǧǫǤǮǤDZǷǕǤǷǫǸǵ ơƧ NjǨǯǨǥǵǤǷǬDzDZǶDzǩǑDZǷǨǵDZǤǷǬDzDZǤǯǟDzǰǨDZǂǶnjǤǼ ŊƟ.@ƟA &>ǓƟNJƟǏǸdzǷǤ ơƩ .@:@džƣơƢƧ>*,@7:B4@0G1K(>* ŊƟ @Ɵ>G14ǓƟǏƟǏDzǼǤǯ ƢƢ ǍǰdzǯDzǼǨǨǶǂǍDZǪǤǪǨǰǨDZǷǬDZǤDZ :0@2*>2ǛǤǰǨǨǵǖǤǵǤDZǪ ǗǵǪǤDZǬǽǤǷǬDzDZ 8H4GÏ?:; ǛǫǤǬǯǨDZǧǵǤǛǬDZǪǫ Ƣƣ ǞǬǵǷǸǤǯNjǸǵǵǨDZǦǼƗǑDZǷǨǵDZǤǷǬDzDZǤǯǜǵǤǧǨ Ƣƪ ljǜǨǵǰǑDZǶǸǵǤDZǦǨǬǶDZDzǷǭǸǶǷdzǵǤǦǷǬǦǤǯƝǑǷǂǶ :,>(/EǧǬǷDzǵ dzǵǤǦǷǬǦǤǯǯǼǤǯǬǩǨǯǬDZǨƒ ƣơ />2&KƦ?!ŧ?41*#I42½'«17®'>.*>*G0| ,A*@&Ř0>2?0ǘǸDZǬǷǓǸǰǤǵǕǬǶǫǵǤ :>7 ?*GÎŊ.Ĝ½/B?0> ƣƣ ǑDZǷǨǵǹǬǨǺdžǛǫǵǬǗƟǓƟǓǤǸǯƝ :;>1:,>(ƠljǶǶǬǶǷǤDZǷǍǧǬǷDzǵ ǏǨDZǨǵǤǯǕǤDZǤǪǨǵdžNjNjƙǚǨǷǧƟƚ 0;@,>4 >H;>*ǕǤǫǬdzǤǯNjǫǤǸǫǤDZ ƣƥ A(2> %0|*A,>4* Ƥơ Ǒǖljǡljǜ Ƥƣ />2&@1.ĜŊ2>ćŧ@12%Ŋ, >:79н1>Î>dž :;1>GƠljǶǶDzǦǬǤǷǨ 0B¨1>* ?.É0?:; NJǬǮǵǤǰǛǬDZǪǫ ƤƧ ?;(@7/>2&@1:®ŝ?&>7H§¬7®7ē, ƤƩ NJǵǤDZǧǐǼǪǬǨDZǨdžǍǹǨǵǼǥDzǧǼǂǶǚǨǶdzDzDZǶǬǥǬǯǬǷǼ 4:7>((>&>ƿǢDzDZǤǯNjDzǵǵǨǶdzDzDZǧǨDZǷǶ ƥƣ />2&@1'«17®'>½ @7*2G>.?Œ üK½ ;0(>.>( ljǫǰǨǧǤǥǤǧ 7(*> H* 0>H B(> A*>H?&1> .WL(> NJǤǵDzǧǤ 02:>7 ƥƥ ǐDzǺǜDzǕǤDZǤǪǨǟDzǵǮǛǷǵǨǶǶǍǩǩǨǦǷǬǹǨǯǼư .|4Aē NJǨDZǪǤǯǸǵǸ ,0:A)>:@: ƥƧ %§®&1Ĝ½A%7>>Ð.)*:01½ /K,>4 NJǫDzdzǤǯ:K0GÏ1>(7 W @X NjǫǤDZǧǬǪǤǵǫ#>EƟ®7>&@">Ř2 7¬1&> GþH NjǫǨDZDZǤǬ >H2@7@0 ƦƢ ?8>½ W>* %>Ř40 ǍǵDZǤǮǸǯǤǰ *@*>(G7®:@0 Ʀƥ 4::>)*Ð. )*0 .| Ĝ½/ ?0>B ;H(2>.>( ǐǼǧǨǵǤǥǤǧ (@8Ð:>( 1,A2 ǒǤǬdzǸǵ Ð@?&2> & ƦƧ ǕǤǯǤǼǶǬǤdžǜǵǸǯǼljǶǬǤ K4>&> ǓDzǯǮǤǷǤ #I?1>0.G0.G0(G7@ ƦƩ ǎljǛǜǤǪdžǍǯǨǦǷǵDzDZǬǦǜDzǯǯNjDzǯǯǨǦǷǬDzDZ 4* ǔǸǦǮDZDzǺ 0)@2 >H)2@ Ƨơ njǬǶǤǥǬǯǬǷǼljǺǤǵǨDZǨǶǶ 0|4AĒ ǕǤDZǪǤǯǸǵǸ 2> G¬72@,@ 0G2" ǕǨǨǵǸǷ ?0& >H)2@ ƧƦ ,(>þ?&1>G 0A. ǕǸǰǥǤǬ 2G¬0> 4>72 ƧƧ ǐǬǪǫǯǬǪǫǷǶDzǩNJǤDZǮǂǶǎǬDZǤDZǦǬǤǯǚǨǶǸǯǷǶ * ?(¨4@ ǖǨǺnjǨǯǫǬ 0>G?*>?:; ǩDzǵǙƥƗǎǡƣơƣơ ,!*> ǘǤǷDZǤ (*70> ,A%G ǘǸDZǨ *A?0&>?:; 2> >G! ǚǤǭǮDzǷ Ï7@2?:;2>">HW .Y.WL(>Ŋ?4,A*@&Ř0>2?0Ɲ:;>10;>Ð.) ƙ2> />9>7::(@1:?0?&ƚý>2>Ð)>*>1>41Ɲ.WL(>/7*Ɲ 2:@(2K#Ɲ4>,A2@Ɲ.WL(>džƤƪơơơƨ:G:,>?(&7 .>E.0HÎ@Ɲ.>EY.W>H(>Ŋ:/@0 >¦21>|0|?*8A¨?7&2%Ŋ?41G >2@½ >&@;HƟ :0|«1Ú?7 >2>|:G Ð>?8&Ɵ .>:;0&;>G*>>7¬1*;º;HƟ -K**ƟdžơƣƧƦƣƤƢƧƦƩƢƝ dž0G4ƫǥDzǥǰǤǬǷǵǬƱǥǤDZǮDzǩǥǤǵDzǧǤƟǦDzƟǬDZ BOBMAITRI is issued for free distribution to all employees of Bank of Baroda. Edited and published by ǘǸDZǬǷǓǸǰǤǵǕǬǶǫǵǤƝljǶǶǬǶǷǤDZǷ ǏǨDZǨǵǤǯ ǕǤDZǤǪǨǵ ƙǗǩǩǬǦǬǤǯ ǔǤDZǪǸǤǪǨ Ɨ ǘǤǵǯǬǤǰǨDZǷǤǵǼ The views expressed in it do not necessarily represent those of the Bank. NjDzǰǰǬǷǷǨǨƚ for Bank of Baroda at Head Office, Baroda ē,>*70AÏ%:E,?Ð!:>G¨1A8:Ð>Ɵ?4ƟƝƣƩƝ4¸0@ #®! @14 ®!G!Ɲ:Ɵ*Ɵ,'Ɲ4>G2,2G4ƙ,ƚƝ Bhavan, R C Dutt Road, Alkapuri, Baroda - 390007. 0A. džƥơơơƢƤƝ0;>2>! Ɲ/>2&Ɵ Phone No. - 0265 2316581, E-mail : [email protected] Designed & printed at SAP Print Solutions Pvt. Ltd., 28, Lakshmi Industrial Estate, S. N. Path, Lower Parel (W), Mumbai-400 013. Maharashtra, India. 4 *72@dž0> ƣơƣơ >1>2@:,>(½40:/G ǜǫǨǍǻǨǦǸǷǬǹǨǍǧǬǷDzǵǛdzǨǤǮǶ ŊƟ>2Ɵ*>G? 1>Ɲ >1>2@:,>(_K. R. Kanojia, Executive Editor ?Ð1,>"KƝ Dear Readers, .½ ;,?Î>.I.0C Î@H >1Ŋ >2@: ,>( I am happy to interact with you as Executive Editor of Bank's ē,0Ŋ ,;4@.>2,:| :G 7>(2& Ĩ2G +RXVH -RXUQDO %2%0$,75, IRU WKH ÀUVW WLPH DQG SUHVHQW \RX the latest issue of the magazine. This magazine serves as a ,Ŋ :0 ,?Î> > *7@*&0 Ю&&A strong medium for our Top Management to interact with you 2&G Ĩ 0 A G 1& Ð:þ&> ;K 2;@ ;ƟH 1; and to share corporate concerns on business front with our ,?Î>,:/@:>':Ŋ 7>(2* >G colleagues. :8Ú0>10; K;0>2H äÐ.G )*K,* G Friends, with the concerted efforts and guidance of our :;?01Ĝ :>'«17:>?10K Ŋ ,2>,ĝ2} !G top management, we have successfully closed our books 0öĜK:> >2*A ½:G ?7)>/@Ð(>*2&@;A ƟH RI DFFRXQWV IRU ÀQDQFLDO \HDU DQG KDYH UHFRUGHG :>?'1KƝ1& *L&@,A %B 2K?7#džƢƪ :@0L H (>7B ?Ć0;>0>2@H .@ Ŋ SURÀWHYHQLQWKHPLGVWRIFXUUHQWKLJKO\FKDOOHQJLQJVFHQDULR and the global epidemic like COVID-19. In such a global /@;0>2 äÐ.G )* Ð1>:Ĝ:Ŋ ;0?7@179G ƣơƢƪdžƣơ½,*@.?;1ĜK scenario, our road ahead will be even more challenging but 4>/Ð(&>½§®'?&0.| (2* 0G :-42;| ;G Ɵ: 7G ?Ć,¦2đ¬10H ;0>2@| G we have to move forward with full enthusiasm and positive ½2>;2/@ *L&@,A %B ;K@Ɵ,2 & ;0A ,*@,| 2@ >B 2:>2>0:K WKRXJKW:HQHHGWRIDFHWKLVGLIÀFXOWWLPHZLWKWKHVWUHQJWK :>'Ŋ .X*>;K>2* dž* ,;4Ĝ&'>,*@ G ćË>;:ŝ 7>G .4Ŋ of our new initiatives as well as excellent customer service. ,2 !;K2 :0A §¬4(L2>:0>*>2*>;K>Ɵ Ë>;Ĝ½ ē2&A | The needs of the customers are changing with the pace of :01:>'.(42;@;Ŋ :?41;1>7¬1; ?;0 *½7¬1&>ĜH time. It is, therefore, vital that we realign our products and services based on the relevancy of their needs. We must work ½ ,1Ú&>A )>2,2,*Ŋ ,>(Ĝ2,*@:G 7>Ĝ½:0@>2G Ɵ;0| | as a smart and updated banker by adopting day-to-day .? üK0Œ ;K2;| ?*&dž*,¦27&G *ĜK,*>& Ĩ®0>!G 2,# !G #.G 2 changes in the banking industry. Hence, it is the responsibility .*2>12*>;K>Ɵ&ƫ;0:/@>(>?17; ?;0.H ? üK0Œ ,*| G of all of us to provide full support and commitment to keep :®'>*KË%@2* G ?4,Ŋ %B Ð?&.÷&>2:0' *Ð(>*2 Ɵ| our institution to remain on forefront in the banking industry. .I.0Î@>1;H ǁ &2> ć @10?;4>?(7:ǂ,2ŧ §Ï&;Ŋ Ɵ :H 0 ?7¬7| This issue of BOBMAITRI focuses on 'International Women's Day'. ?;(@?(7:2%&Î?(7::0>2K;½ 4?1> &'>. ?7@179Ŋ Glimpses of ‘World Hindi Day, ‘Republic Day’ celebrations ƣơƢƪdžƣơ7>?9Ŋ 7 L'@?&0>;@ ,¦2%>0ĜŊ Ð0Ŋ A 8/@Ð>?8& and highlights of annual as well as fourth quarter results of WKH%DQNIRUÀQDQFLDO\HDU KDYHDOVREHHQSXEOLVKHG ?;Ɵ;0* :G 0 @?7*@&| 0>2 Ř *>4H G ǁ .@:@ƣơƢƧ prominently. In this issue, we have published an article ǁ .@:@ >*,@7:4@0B 1K(>*ǂ| Ð>?8&?1>; K,>"ĜK :>*H *KB ƣơƢƧ>*,@7:4@0B 1K(>*ǂ| by Shri Vineet Kumar Jain which will :0 *0G 27:| 4@:B . )@>1Ğ0 .&| :Ŋ Ð/>7Ŋ :Ŋ . )0 ?7®&| &C provide detailed information to our readers to understand >*>2@Ð(>*2>Ɵ :G 4>7> :Ŋ 0 Ð>?8&@8| &K9A 0>2Ř the Act and its impacts on recovery processes so far. Also, @7>®&7>4G ‘Virtual Currency & International Trade’:/@ Shri Ashutosh Kumar Srivastava's article 'Virtual Currency & ®!>-:(®1Ĝ?4 ,1K@;K>Ɵ@:Ŋ (@,80> >4 G ǁ(2> %A International Trade' published in this issue will be useful for all staff members. An article ǁ(2> %0A *| ,>4*ǂA contributed by Shri 0*| ,>4*ǂA /@ ;0>2G :;?01Ĝ Ŋ ?4 :&&>œ 7* ,>4*A ½ đ?ć :G Sandeep Sharma will also prove very useful to our colleagues .Ĩ& ,1K@?:÷;K>Ɵ:@2> A Ć2@G #A >4} G ‘Fastag"/@;0>2G in terms of vigilance angle and compliance. Ms. Rajeshwari ,>"ĜK : ,>(½?789&>Ĝ:G 7&2>>Ɵ@L&0G 0>2>Ř Gangurde's article 'Fastag' will also make our readers aware 4G ǁ/>2&@1.Ĝ 2>ćŊ @12%ŧ , >:79Ŋ ½1>Î>dž0 ¨1>B *ǂ about the features of this product. Shri Gautam Kumar's ;0>2,>"ĜG ?4:Ŋ *>Ð(:>?.&;K>Ɵ :B 0 | ‘Brand Hygiene- article ǁ/>2&@1 .Ĝ Ŋ 2>ć@12%ŧ Ŋ , >: 79 ½ 1>Î> dž 0¨1>B *ǂ will prove informative for the readers. This issue also includes other Everybody’s Responsibility’ Ɲǁ %§®&1Ĝ½%7>>Ð.A )* articles on important topics like 'Brand Hygiene- Everybody's dž:01½7¬1&>ǂ µ+RZ7R0DQDJH:RUN6WUHVV(ႇHFWLYHO\¶ Responsibility', ǁ %§®&1Ĝ½%7>>Ð.A )*dž:01½7¬1&>ǂ , ǁ 4::>)*Ð. )*0 .| Ĝ/ ?0>ǂB 2ǁ?;(@7/>2&@1: ® ?&>ŝ ‘How to manage work stress effectively’, ǁ 4::>)*Ð. )*0 .| Ĝ 7?Ć®7ē,ǂH :H 0;7,G %B ?791Ĝ,2)>¦2&14 /@8>?04?G /?0>ǂB and ǁ?;(@7/>2&@1: ® ?&>7ŝ ?Ć®7ē,ǂH . The interview of ;Ɵ?78 9ē,:G ;0>2G 1G 7>.WL?(1*KA 4>/>'Ŋ ;0>2 :G 7>?*7G 0;>Ð.C )dž:@:@ our retired General Manager-CC Shri O K Kaul has also been @ƟƟL4>:>>>2/@Ð>?8&?1>1>;Ŋ ƟH SXEOLVKHGIRUWKHEHQHÀWRIRXU\RXQJ%DURGLDQV ?*1?0&I40ĜŊ & &?7?/þ¦2,K! Ɲ:0> >2Ɲ>1 É0Ɲ:¤0>*7 , 2®>2A Various reports, news, programmes, awards and accolades etc. have been published under regular columns. I am sure ?(Ð>?8&?;Ɵ0 A ,G %B ?7Ć>:; ?,K :H K,X2* ( that you will enjoy reading this issue which has been prepared >? ::G , %B .*>* ;G &G ,A 2>Ð1>:?1>1>;B Ɵ,H :Ŋ >77A ?/0& with utmost care. Your feedback and suggestions are always :,?Î>½%7>0A :| )>24>*A 0G :(| 7:;>1;ĜH Ɵ8>>Ĝ2?7?/þG be helpful in improving the quality of this magazine. All >1>41Ĝ0 >1| 2&®!>-:(®1Ĝ: *G 2K);A ?,?Î>½?791dž7®&H KA 6WDII PHPEHUV DWWDFKHG WR YDULRXV RIÀFHV DQG EUDQFKHV 22K Ɲ%7>,227A ?71,H %B .*>2* G ?4?*1?0&)>2,2Ŋ are requested to keep on contributing their creativities so ,*@2 *>/ 2,*>1K(>*(G &G 2;G Ɵ| as to make the content of the magazine more interesting, TXDOLWDWLYHDQGGLYHUVLÀHG 8/>0*>Ĝ:?;&ƝA With best wishes,
Ɵ>2Ɵ*>Ŋ ? 1>G K. R. Kanojia
January - March 2020 5 Celebrations of International Baroda Corporate Centre, Mumbai
very year International Women's The highlight of the event was an EDay which falls on 8th March is inspiring talk “From Cancer to Crown” celebrated with great zeal and fervor by Dr Namita Kohok, who is a cancer in Bank of Baroda. Keeping its tradition survivor, a motivational speaker and intact, Baroda Corporate Centre, LV WKH ÀUVW ,QGLDQ FDQFHU VXUYLYRU WR EH Mumbai marked the celebrations FURZQHG 0UV *OREDO 8QLWHG LQ of International Women’s Day on Minneapolis USA. She has bagged more th March 2020 with the presence of WKDQDZDUGVLQYDULRXVÀHOGVLQFOXGLQJ Charismatic, Dr. Namita Kohok, Mrs pageants, sports & entrepreneurship. *OREDO 8QLWHG DV WKH VSHFLDO Dr Namita narrated her journey from guest. The event was inaugurated the time she was made aware that The Bank of Baroda Employees with Ganesh Vandana and lightening she was suffering from Cancer and Federation has a tradition of presenting of lamp. The Deputy Chairpersons of KRZVKHPDWXUHGRYHUZKLOHÀJKWLQJLW Durga Shakti Award to distinguished Baroda Shakti Mrs. Bhuvana Murali step by step. Audiences could actually women on International Women's Day Ramaswamy, Mrs Sapna Jain and Mrs. visualize her story and they were left in every year. This year, Dr Namita Kohok Shailja Khichi, along with the special awe and tears. Her story had it all: the was chosen as the recipient of the guests, Dr. Namita Kohak and Chief tragedies that life threw, the struggles prestigious Durga Shakti Award which 9LJLODQFH 2IÀFHU 0UV 6 6KULPDWL was presented by Mrs Rekha were welcomed by Executive Kawle from the Bank of Baroda Directors Mr. Murali Ramaswamy Employees Federation. and Mr S L Jain. The women staff of Baroda As a special recognition, twenty Corporate Centre and women support staff of Baroda members of Baroda Shakti put Corporate Centre, Baroda Sun together a spectacular show Tower and Dena Corporate Centre of cultural performances. Solo were felicitated by Special guests dance performances were and Dignitaries at the event. given by Roshni Agarwal and The Sayajirao Gaekwad Auditorium Annie Verghese. Group Song was marked with the presence of performance by Baroda Shakti 350 women employees along Members, Mrs. Mridulika Gupta, with Baroda Shakti members. Mrs Mrs. Anita Mohanty and Mrs. Indu Bhuvana Ramaswami addressed Diwakar. A Skit was presented the gathering on the occasion. by Marketing deptt. Team of She enlightened the house Honey Jose, Seema Maurya while speaking on the theme of and Swati Yadav and a mimicry International Women’s Day for performance by Honey Jose. A the current year ‘I am Generation short story on “Unsung Heroines” Equality: Realizing women's rights,’ was presented by Mrs. Hyma she talked about how far women Chhyani from Baroda Shakti. Solo have come and what still needs to that came along, the hope and self- song performance were presented by be done in terms of attaining gender FRQÀGHQFH ZKLFK NHSW KHU JRLQJ WKH Neelima E and Nikita Raut. The event equality. “It is a day to celebrate courage that automatically developed was a grand success under the able change makers in all walks of life and in such testing times, the value of guidance of Mr K. B. Gupta, General from all ages”, Mrs Bhuvana said, and rejection, criticism and appreciation Manager FM, COA, DMS and Security. appealed to the men to continue DOLNHDQGÀQDOO\WKHPRVWLPSRUWDQWWKH The audience was captivated by their support, as gender equality can VDWLVIDFWLRQ RI DFKLHYHPHQW IXOÀOOPHQW professional anchoring by Ghazala be achieved as a team. She further and giving back to the society. It was Zaidi and Sapna Kale. Vote of Thanks emphasized the role every individual very touching to know that how she was presented by Shivani Singh from can play in this struggle and appealed started her company from Hospital bed Sparshplus Department. The event was that each one should stand for equality while undergoing chemotherapy. liked and well appreciated by all the participants.
Shweta Chandel Chief Manager, BCC, Mumbai
6 *72@dž0> ƣơƣơ Women’s Day (8th March) +HDG2IÀFH%DURGD
nternational Women's Day (March Maharani Chimnabai and affection evening was lightened up by stunning I8th) is a global day celebrating the for education and empowerment cultural performances by our women women. The day also marks a call of women in the era when such employees. They entertained their to action for accelerating gender thoughts were distant dreams. fellow colleagues and guests of parity. The Day is all about unity, 7KH,:'FHOHEUDWLRQVZHUHVSHFLÀFDOO\ honour by their performances FHOHEUDWLRQ UHÁHFWLRQ DGYRFDF\ planned to provide special love and including songs, poem, dance and and action. respect to the women employees to drama. All performances were ,Q RXU +HDG 2IÀFH %DURGD WKH inspire and motivate them. On that appreciated and given prizes. The Women’s Day celebration was special day, all the women employees participants enjoyed scrumptious organised on 09th March 2020 that ZHUH ZHOFRPHG WR 2IÀFH ZLWK D refreshments after the cultural witnessed participation of all women ÁRZHU DQG FKRFRODWH (YHU\ ODG\ evening. employees and spouses of male staff member was given a special On the same day, an onsite Creche facility was inaugurated at Baroda Bhavan by Her Highness Subhanginiraje Gaekwad. This facility is expected to help women employees of our Bank in order to augment work-life balance. This employee-friendly initiative shall certainly encourage them to join Bank’s services faster after Maternity and enable them to handle their work and parental responsibilities in a much better way. In addition to this facility, Bank is also running two onsite staff members from HO, Baroda. The surprise gift beautifully wrapped Creche facilities at BCC, Mumbai IWD celebration-2020 was one of its with a greeting card imprinting “To and ZO, Bangalore. kind / unique program and would Honour You is a privilege, because be remembered for a long time as it you are Wonderful, Oustanding, marked the presence of Rajmata of Marvellous, Adorable, Nice”, which Baroda Her Highness Subhanginiraje was kept on their work-desks. All Gaekwad. women employees enthusiastically Rajmata remembered the participated in the Women’s contributions of Maharani Chimnabai Day theme based “Mehendi” who worked towards education and competition conducted on that day. empowerment of women. Rajmata The Winners and the participants also recollected how the Maharani were given prizes at the hands of also fought against social evils of Rajmata in the Cultural Evening purdah system and child marriage. organised exclusively for and by the Her efforts were duly recognised women employees. The all-women event had women musician and DQG VKH EHFDPH WKH ÀUVW SUHVLGHQW The International Women’s Day was of the All India Women's Conference photographer too. The Cultural Fest received huge celebrated with fun and enthusiasm $,:& LQ 5DMPDWDDOVRQDUUDWHG which boosted the morale and the vision of our founding father, the participation of all women energy of all women employees. Maharaja Sayajirao Gaekwad-III employees of HO, Baroda and wives who was a profound educationalist RI VWDII PHPEHUV RI +HDG 2IÀFH and various educational institutions The Evening was inaugurated with Swapna Bandopadhyaya including the renowned ‘Maharani OLJKWLQJ RI WKH ODPS RIIHULQJ ÁRUDO Dy. General Manager (HRM), Chimnabai High School’ stands respects to Maharaja Sayajirao today as the testimony of the vision of Gaekwad and prayer song. The +HDG2IÀFH%DURGD
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10 *72@dž0> ƣơƣơ Employees’ Engagement in an Organization eart of every organization is its Hemployees. Leaders play a vital role in engaging the employees in an organization. Leaders need to let go attitudes, behavior, satisfaction and Level 4: Proactively capturing the and guide their employees to mature performance. As stated by Andrian for new roles and responsibilities. If you voice of employee:- Laeman (1995) in his research, are not engaging your employees "people who are unhappy with We can create a classroom platform to create great teams, you are not temperature, water quality, lighting that enables employees to share their IXOÀOOLQJ \RXU FRPPLWPHQW WR WKH organization and the people you DQG QRLVH FRQGLWLRQV LQ WKHLU RIÀFHV perceptions, opinions, and feedback. are more likely to say that this affects serve. It can provide our organization with their concentration at work". Others Today’s leaders must constantly research have also shown that key insights for cultivating happier focus on the growth of their teams productivity bears a close relationship employees and delivering better and strengthening the capabilities to the indoor environment quality. customer experiences. of individuals that can make the team more effective. This creates an environment of continuous innovation and initiative. Think of your employees as an innovation lab. As such, employee engagement should always be abundant. To assure you don’t create a reputation as a leader that doesn’t HQJDJH HPSOR\HHV KHUH DUH ÀYH levels to consider to more effectively engage your employees and if these level implemented properly, will stimulate employee engagement that has been missing. Level 1: Respecting Employees dignity and competency:- Employee is the most dynamic asset an organization possesses. The individual treatment of the employee by the supervisory and managerial staff will make a great difference in Level 3: Adopting an inclusive Level 5: Ensuring that employees are the level of employee productivity approach towards Employee-trust- given responsibility & purpose:- and creativity and fostering greater based-Relationship:- employee engagement within an Responsibility is given to each RUJDQL]DWLRQ $ KDSS\ DQG VDWLVÀHG Whether you are working with individual, commensurate with employee is a highly productive someone who sits next to you or WKDW LQGLYLGXDO·V VSHFLÀF MRE WLWOH and responsibilities. Provide them one. Each employee must always be someone who works in the other treated with the utmost respect and complete and all required training department, building relationships assignments. A responsible employee dignity. Dignity and respect in the is crucial to achieving objectives of workplace follows the "golden rule" will ensure that he or she is familiar organization. A successful relationship of treating others the way you want with policies and procedures, and to be treated. is built on trust and understanding follows the rules, conduct of code and requires ongoing investment and ethics after completing all Level 2: Facilitating employee with IURP ERWK SDUWLHV :KHQ GLIÀFXOWLHV required training. suitable equipment, system, and arise in the relationship, they should environment:- be addressed openly and in a Sumit Garg ,QGRRUHQYLURQPHQWVLQDQRIÀFHKDYH professional manner to ensure the Senior Manager & Faculty D JUHDW LQÁXHQFH RQ HPSOR\HH·V relationship continues to develop. Baroda Academy Chandigarh
January - March 2020 11 ;>?(®7>& @ 1ŊA2>*>Ɲ>1,>4?*(G8
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Virtual Currency & International Trade
Cryptocurrency : or improved versions of bitcoin. Bitcoin : Various types of cryptocurrencies It is a virtual or digital money which Bitcoin is a digital currency created are takes the form of "tokens" or “coins”. in January 2009. It followed the While some cryptocurrencies have 1) Ethereum (ETH) ideas set out in a white paper by ventured into the physical world the mysterious and pseudonymous 2) Ripple(XRP) with credit cards or other projects, developer Satoshi Nakamoto, the large majority remains entirely 3) Litecoin (LTC) whose true identity is yet to be intangible. YHULÀHG %LWFRLQ RIIHUV WKH SURPLVH 4) Tether (USDT) of lower transaction fees than Cryptocurrencies are almost traditional online payment always designed to be free from 5) Bitcoin Cash (BCH) mechanism and is operated by government management and 6) Libra (LIBRA) a decentralized authority, unlike control. Although they have grown government-issued currencies. more popular, this foundational 0RQHUR ;05 aspect of the industry has come 8) EOS (EOS) Bitcoin and Forex Trade : XQGHUÀUH7KHFXUUHQFLHVPRGHOOHG To understand the full potential of after bitcoin are collectively called 9) Bitcoin SV (BSV) a decentralised medium for digital altcoins and have often tried to 10) Binance Coin (BNB) transactions, it is actually more SUHVHQW WKHPVHOYHV DV PRGLÀHG helpful to look beyond the most
12 *72@dž0> ƣơƣơ well-known cryptocurrency, Bitcoin Low Cost of Trading : rate and instead of the original and turn to its upcoming cousin – 2 bitcoins deposited, the trader Most forex brokers that accept Ripple. Whilst not being the most RQO\ UHFHLYHV ELWFRLQV cryptocurrency are keeping popular digital coin, the way Ripple ELWFRLQV brokerage costs very low to attract works, makes it the best example In reality, the unregulated broker the new bitcoin-trading clients. to demonstrate how revolutionary may be exchanging bitcoins and cryptocurrencies could be for Security : dollars at say $515, and pocketing cross-border trade and business. the difference at the expense of With bitcoin transactions, you do not the client. To truly understand how Ripple need to reveal your bank account works, you need to stop thinking of or credit card details to deposit or Deposited bitcoins are prone to it as a currency. More accurately, withdraw money. Especially, when theft by hacking, even from the Ripple is a self-contained dealing with foreign brokers, this is broker’s digital wallet. To cut down blockchain system which allows a huge advantage in terms of cost on this risk, look for brokers who for quick, and most importantly, DQGÀQDQFLDOVHFXULW\ have insurance protection against KDQGVRIIÀQDQFLDOWUDQVDFWLRQV theft. No Global Boundaries : With Ripple, you can send any High leverage is risky for newbie amount of money, in any currency, Bitcoin transactions have traders who may not understand to anybody in the world, with eliminated global boundaries. Using the exposure. Cryptocurrency is a negligible charges. The actual bitcoin, a trader based in Africa different asset class altogether and Ripple coin is simply the neutral can trade forex through a broker has its own valuation mechanism. medium against which these other based in the United Kingdom. Trading forex with bitcoins essentially currencies can be measured. Regulatory challenges may remain introduces a new intermediate This system holds a lot of exciting a concern, but if both traders and FXUUHQF\ ZKLFK FDQ LPSDFW SURÀW SRWHQWLDOIRUWKHIXWXUHRIÀQDQFLDO brokers are willing to transact, then and loss in unexpected ways. Any WUDQVDFWLRQV :KHUH ÀDW FXUUHQF\ all geographical boundaries are money that is not locked down in a must be held in either cash or at eliminated. trader’s base currency is a risk. bank, Ripple provides a medium for Risks of Trading Forex with Bitcoin : Cryptocurrencies and India : peer-to-peer transactions on any VFDOH7KLVYDOXHKDVEHHQLGHQWLÀHG Bitcoins trade on multiple In April 2018, RBI imposed a ban on by the markets to the extent that exchanges, and exchange rates ÀQDQFLDOÀUPVRULQGLYLGXDOVLQ,QGLD it has even been used by large vary. Traders must ensure that from trading in cryptocurrencies. international banks like Santander they understand which bitcoin However, the Supreme Court and UBS. Where Bitcoin is largely exchange rates the forex broker quashed the order by the Reserve decried by banks, Ripple has been will be using. %DQNRI,QGLD 5%, EDQQLQJÀQDQFLDO enthusiastically employed by them. While receiving bitcoin deposits VHUYLFHVÀUPVIURPWUDGLQJLQYLUWXDO currency or cryptocurrency. %HQHÀWVRI7UDGLQJ)RUH[ZLWK%LWFRLQ from clients, almost all brokers instantly sell the bitcoins and hold Looking as a better future No Transaction Costs : the amount in US dollars. Even if a opportunity: All bitcoin transactions are digitally trader does not take a forex trade recorded on public networks position immediately after the :KLOH %LWFRLQ DQG LWV LQÁXHQFH on international trade is still in its without any involvement from deposit, he or she is still exposed infancy, we are certain that it banks or clearing agencies. Hence, to the bitcoin to U.S. dollar rate risk will play an important role in the there are usually no transaction from deposit to withdrawal. future of international business. cost involved in bitcoin, even Historically, bitcoin prices have International trade is a multi-trillion for global transfers. Brokers pass exhibited high volatility. In the dollar industry which requires a WKHVHEHQHÀWVWRWKHFOLHQWVE\QRW absence of regulations, volatility imposing any deposit or withdrawal ÀQDQFLDOV\VWHPWKDWLVJXDUDQWHHG can be used by the unregulated and secure. Bitcoin may not fee for bitcoin transactions. This brokers to their advantage and be 100% there yet, but as the LPSURYHVWUDGHSURÀWV to a trader’s disadvantage. For technology continues to stabilize, Low Deposit Amount : example, assume the intraday ZHDUHVXUHWKDW%LWFRLQZLOOÀQGLWV ELWFRLQ UDWH ÁXFWXDWHV IURP way on to the world stage. One can start with as little as $25 to $530 US dollars per bitcoin. For with some bitcoin forex trading an incoming deposit of 2 bitcoins, ÀUPV $V SURPRWLRQDO RIIHUV D IHZ the unregulated broker may apply IRUH[ WUDGLQJ ÀUPV HYHQ RIIHU QHZ the lowest rates to credit the trader Ashutosh Kumar Srivastava members a matching deposit $1,000 (2 bitcoins * $500 = $1000). Senior Manager & Faculty, amount. Traders should take However, once the trader is ready Baroda Academy, Lucknow care to check that all brokers are to make a withdrawal, the broker appropriately regulated. may use the lowest exchange
January - March 2020 13 >1>G *
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14 *72@dž0> ƣơƣơ Celebrations
4)274A¦)1>*>GÎý>2>*2 0@!>1K * Ernakulam Region participates in retail expo
On 6th - 9th March, 2020 Ernakulam Region participated Ƣƥ *72@Ɲ ƣơƣơ K 4)2 GÎ &'> 4A?)1>*> GÎ ý>2> :1AÚ in "Matrubhumi My Home" 4 day exhibition at Kaloor, ē,:G 4)20|*2 .H">1K *?1>1>Ɵ :.H" Ernakulam conducted by Mathrubhumi, one of the leading dailies in Kerala. It also participate in "Malayala 0|0;>Ð.)ƙ*2 «17:>1ƚ@0:Č>½Ɲ 4Ð0A Manorama Parpidom Exhibition" 3 day exhibition at JLN @ 0 4 2K?;¨4>Ɲ 4)2 7 4A?)1>*> ŊGÎ@1 Ð0A É08 stadium kaloor, Ernakulam conducted by Malayala Manorama for Promotion of Retail loans and Gold @ (20K;*?:;7@7> ŊAÿ>&'>.W@:1>0|*2 loans. During this campaign Region could generate Ë>; ,§®'&'GƟ good retail leads.
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January - March 2020 15 >1>G *
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Bank sponsored Gokulam Kerala Football team /2&,A2GÎý>2>ÉŊ?#!ŋ¤,>1K *
Our Bank sponsored Gokulam Kerala Football team, which participated in the Hero I league Cup. Shri K V Jayachandram, Regional Head, Calicut Region ƣƧ-272@ƝƣơƣơK/2&,A2GÎý>2>ÉŊ?#!ŋ¤,>1K *?1> and Shri Gokulam Gopalan, chairman of Gokulam 1>Ɵ :7:2,2 4Ð0A70;>Ð.)@0;|Ï:Ɵ0;*K&Ɲ Group of Companies handed over Man of the Match Award to Shri Marcus Joseph of Gokulam Kerala FC on GÎ@1Ð0A@.C 0K;*0@%>Ɲ ,GÎ@1Ð0A@*¬1>0(>:Ɲ@ 26.01.2020 at the post-match event. 7@2|Ï.K;2>Ɲ®!>-:(®17Ë>;% ,§®'&2;GƟ
16 *72@dž0> ƣơƣơ Celebrations
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Ernakulam Region organises Financial Trivandrum Region conducts NRI Business meet Literacy Week
Trivandrum Region conducted NRI Business meet on (UQDNXODP5HJLRQRUJDQLVHGDÀQDQFLDOOLWHUDF\FDPS 26th February 2020. Function was inaugurated by Shri LQ 3DODNNDG DQG 7KULVVXU 'LVWULFW IRU WKH EHQHÀW RI WKH Mahiraj Singh Hyanki, General Manager, NRI Business MSME borrowers of these districts. The programme was and Shri K Venkatesan, General Manager, Ernakulam attended by the executives of Ernakulam Region and Zone. Shri. D Prajith Kumar, Regional Head, Trivandrum Branch Managers of the Palakkad district & Thrissur Region, Shri A K Jha, DRM, Trivandrum Region were also Dist. More than 50 MSME borrowers attended the present on this occasion. programme.
January - March 2020 17 >1>G *
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18 *72@dž0> ƣơƣơ A Term Insurance is Not Just Practical, ,W·VSUDFWLFDOO\D/LIHOLQH
Adjust Ho Jayega A Term Life Insurance is a great tool because unlike the traditional insurance plan, it can be adjusted according to the different stages of your life. Just scale up your insurance cover as your liabilities and responsibilities get bigger over time! You can also add riders to it like accidental death rider, disability rider, critical illness rider, LQFRPHEHQHÀWULGHUZDLYHURISUHPLXPULGHUDQGPRUH Like we Indians love to say “Adjust kijiye na.” Your Pay-Outs Are Your Choice Do take the time to consider how your family will need the money, while planning your term insurance claim pay- outs. The good part is that you can modify the pay-outs to suit your family’s needs – be it lumpsum or staggered. Get Term Insurance, Ghar Baithe Karan decided to go in for a 30-year Term Insurance, ome time ago (in pre-coronavirus times), my IT one that he can buy very easily, from the comfort of his S Developer Karan Mitra, came to meet me looking very home. In a lockdown world, ‘ghar baithe’ is a superb worried. Let me tell you a little about Karan. He’s a smart advantage. Given that we’re facing times that are both 30-year old software professional, with four dependants – unprecedented and risky, a Term Life Insurance is a small his parents, wife and a young son. His annual salary of 10 price to secure the happiness and future of those who lakh is good enough to support his family. But Karan is still matter the most to us. After all, peace of mind se badhkar a worried man. Being the only breadwinner, he worries kuchh nahin! about what will happen to his family’s future if he’s not around. Too Much Choice Can Be Confusing There are over 24 life insurance companies trying to sell him a variety of products. So, which one is the right choice? Keeping in mind his family and monetary background, a Term Insurance would be Karan’s best bet – because it would offer him the most cost-effective risk management cover, at low premiums. Money Saving + Tax Saving + Protection = Term Insurance Many of us, like Karan, don’t really understand the EHQHÀWV RI D 7HUP ,QVXUDQFH 3ROLF\ 6R OHW·V EHJLQ ZLWK the basics. Simply put, a Term Insurance Plan is a Life ,QVXUDQFH 3ODQ ZKLFK SURPLVHV WR SD\ D EHQHÀW RQO\ LI the insured dies, during the term of the policy. Given the IndiaFirst Life, one of the youngest and fastest growing nature of its plan, the premiums you pay are much lower life insurance companies in India, is promoted by Bank than what you would for a traditional Insurance Plan, that of Baroda. Together they are committed to provide RIIHUVERWKGHDWKDQGPDWXULW\EHQHÀW,QIDFWDPRQJDOO customers best-in-class products and seamless services. Life Insurance Plans, Term Plans have the lowest premium. This also includes the IndiaFirst Life e-Term plan, which $QGDVIDUDVWD[EHQHÀWVJR7HUP3ODQVJLYHWD[EHQHÀWV RIIHUV FRPSHOOLQJ EHQHÀWV WR FXVWRPHUV DW H[WUHPHO\ under Section 80C of the Income Tax Act on the premiums competitive rates. I urge you to call the IndiaFirst Life paid. Double faayda with less kharcha! Business Development Manager mapped to your branch Hassles Nahi, Flexibility Sahi immediately, because the right time to buy a term plan is For young professionals like Karan, a Term Insurance also NOW; the cost of postponement can be crippling. JLYHV WKH ÁH[LELOLW\ WR SD\ SUHPLXPV RQ D PRQWKO\ KDOI yearly or annual basis. What’s more, the product is easy Rushabh Gandhi to understand and therefore, easy to buy. All it takes is Deputy CEO, sharing the basic age and gender data and voila, we IndiaFirst Life Insurance Company Ltd. have a premium quote.
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January - March 2020 21 Interview 1. Sir Please tell us about your family and educational background. I am from an ordinary family from Srinagar, Kashmir with two brothers. My father and mother both were very humble and God fearing and had always attitude to help somebody both materially and emotionally, which is what I have adopted from my childhood days to carry their legacy forward. I have now two sons, both married and well settled. 2. What made you to choose banking as your career? My father was in state government service, which I could QRWÀQGPXFKFKDOOHQJLQJDQGZLWKDGHÀQHGFDUHHUSDWK Hence I had made early plans to have a job with challenges, facilitating larger geographical movements and a better career progression. That was the background of starting a job in a private company (Ranbaxy) immediately after my JUDGXDWLRQLQDJULFXOWXUHEHIRUHÀQGLQJEHWWHURSSRUWXQLWLHV as such joined Bank in 1983. This professional experience of two years in a private company acted as a catalyst during rest of my career. 22 *72@dž0> ƣơƣơ 5. How did you manage your HUDDOORIXVKDYHVHHQDGLIÀFXOW My massege to the Barodians SURIHVVLRQDODQGSHUVRQDOIDPLO\ and stressful time and by the especially to Gen Next life with the busy and extended time I am writing these thoughts, employees is - Don't work for just banking occupation? we are getting used to it and promotions, give your best with I have a wonderful family which UHÀQLQJ WKH ZD\V ZH GHDO DV passion - God had given you has stood by me throughout my “NEW NORMAL”. Entire economy opportunity to serve customers time with the Bank, understanding has been affected and banking with sincerity. Help them in needs. the requirements and trying to is no exception. However, it is my Do your karma and God will adjust at all times. Nevertheless, I strong belief that entire world take your care. Try to be out in am a family oriented person and especially our motherland India the crowd, do something which love to spend all my available DQG ,QGLDQ HFRQRP\ ZLOO ÀJKW gives you recognition - your spare time in the company of back and achieve its glory again. career is automatically ensured. my family. This has helped me to Bank of Baroda has always 8. What are your hobbies? maintain a fairly well work/ life stood like a rock in the face of Reading, music, gardening balance. adversities, be it economic crisis to name a few. I have a big In this journey full of roses and or natural calamities. Barodian collection of books, yet to go thorns, I have been lucky to have spirit is an exception in the through and the other agenda is company of excellent human Banking Industry as such I am sure to join “Tabla” classes. Wherever beings, both superiors, peers and as history of our Bank reveals, we I have been, a small kitchen younger ones - who blessed me/ together will make a difference garden always moves with us, supported me/ wished me and in the Industry with better than maintained inhouse. made my journey an excited average qualitative growth and surge ahead of competitors as 9. What are your post retirement one. Apart from all my gurus plans? and well-wishers, I have always always. 7. What do you think about the 1RWKLQJVSHFLÀFDV\HW:LWKP\ believed in team work in the experience and knowing DNA true spirit and enjoyed excellent future of our bank and what are your message to the Barodians of colleagues/ systems of the teams, wherever I have been. I Bank and the industry exposure, was lucky enough to work closely especially to Gen Next employees? , DP VDWLVÀHG ZLWK P\ FXUUHQW with three great industry icons role of advisor to the Bank on for a fairly longer time, Dr. A K Somehow I feel that this institution amalgamation matters. Post Khandelwal, Shri S S Mundra and has always got the right top that I shall be looking for some Shri P S Jayakumar from whom I team, at the right time it needed. avenues through NGO or other have derived a lot of inspiration With that background I am sure medium to help down trodden/ and learning, both as a leader that under the current leadership give back as much as I can to and as a human being. of Mr. Sanjiv Chadha along with society. 6. How do you see the present Executive Directors and entire scenario of banking sector? leadership, the Bank will grow In the current scenario of Covid leaps and bounds. Overseas News Our UAE territory organizes mega NRI Home & Property Expo Bank of Baroda, UAE had organized mega NRI HOME & PROPERTY EXPO in association with Khaleej Times. The Expo was inaugurated by H.E Consul General Shri Vipil in presence of Shri D Ananda Kumar, Chief Executive, GCC Operations. A Musical event was also organized by the Bank in association with CG, India and received an appreciation memento from H.E Consul General. %DQN·V6H\FKHOOHV2IÀFHGRQDWHVGLIIHUHQWLWHPVWR Praslin Island, Seychelles %DQNRI%DURGD 6H\FKHOOHV 2IÀFHGRQDWHGUDGLRDQGIRRGVWXII under CSR activity to elderly people at Praslin Island, Seychelles. High Commissioner, General Dalbir Singh Suhag (Ex Army Chief of ,QGLD DQG &KLHI ([HFXWLYH 2IÀFHU 6H\FKHOOHV 6KUL $VKRN .XPDU were present on the occasion. 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Ŋ 0>10 :G :G?7?/þ2>1ĜŊ«1>,>¦22?7/>Ĝ½:;>1&>;G&A.*>1>1>'> ?1> >:&>;HƝ K??*¤*?4?&:> !0|Ƨ>:@ &>?&2>1@1«1>,>2,2Ð/>7@?*2>*@2@ >:ŊƟ&'>?,Ɲ.2Ŋ 0G¤.2?8,*.2Ð?7!?1> >:&>;HƟ ?41; :0>1*G0|0((>2;H? ::G#@42Ŋ*>0Ɲ *Ŋý>2>? ƙWƚ0&(>&>,; >*,Î>:1>,*2*GŊ?47G.:> !ǫǷǷdzƫƠƠ >2;G«1>,>2Ɲ-0œŊ,H**.2Ɲ,&G 1>?(½Ð>0>?%&>?7?(&;K&@ ǨǯǨǦǷǵDzǵǤǯǶǨǤǵǦǫƟǬDZƠ1>ǺǺǺƟǹDzǷǨǵǬǧǦǤǵǧƟDZǨǷƟǬDZ> ,1K ;HƟ ,1AÚ7G.:> !0|4Idž *2?7?/þ2>1½:> !ĜŊ?4,2 ?1> >:&>;HƟ >*GŊ.>(#@42: ®É½*,2!H: #G:*.2Ð?7!21;:1>,* ?1> >:&>;HƟ 47 4:,?1Ĝ½ > Ŋ?4NjǍǚǛljǑ,K!4ƫ 4:,?1Ĝ> đ?ć.)7 4:,?1ĜK.)2*GŊ.>(.Ĝý>2> :GNjǍǚǛljǑ ,K!4,2Ð?7ć?1> >*>?*7>1;HƟ ::G1;4>/;K&>;H?/?71 ƙ ƚ 1>&dž?*1>& ?772% > :1>,* 7G.:> ! ǫǷǷdzƫƠƠǧǪǩǷƟ 0| >4@(®&>7G Ĝý>2>«1?Ú.:G %*;º4G:&>Ɲ1Ĝ?. : ǧǨǯǫǬƟDZǬǦƟǬDZƟƩƢơơƠǧǪǩǷƠǯǨǦǘǵǬDZǷ:G?1> >:&>;HƟ :,?½ > NjǍǚǛljǑ,K!4,22&>;HƟ:>';@Ɲ1?( ::,? ƙ ƚ* >2@,H*>#0|&>2@0A?Ï&Ơ /2@Ĩ ;K&@;HƟ !@2½ ,2,;4G:G %?41>1>;H&K7;7;>?(> (G&>;H? ::G.Ĩ?7); > :>7)>*@,B7½ >1Ĝ? .>21;(G> >&>;H?* ?74GĜƙǰǸǯǷǬdzǯǨǷǬǷǯǨǧǨǨǧǶƚŊ ,1K:G. > >:&>;HƟ >2@,H*>#:.)@ !@2 ::G >2@;K*G :G>-½,;4G½&>2@0|-> 4½Ĩ ;K&@ ;H K7>®&?7-> ?4Ŋ.>2G0|8> ,þ 2&@;HƟ % ,1K > :1>,* ƙ % ®7@ŝ?& Ŋ ,2>&½7®'>ƚƫ?*7>2:&œ&>0|:>0>* Ŋ,B?&&>ƙ: 4>12ƚK:@)G/A&>*?1> >*>7?/A&>*½2:@((G*>8>?04 ;HƟ1;:A?*?ă&?1> >*> >?;?«17:>1 :G:.?)& :/@ 4G* (G*Ɲ >&G0|:G ;@ GƠ 2!@ @:Ơ* -!@ý>2>? >2 ;> &:/7;K*(@/A&>**?1> >Ɵ;2;>4 0|Ɲ %®7@ŝ?&Ŋ ,2>&§®&1Ĝ>?*2@% 7¬1?1> >*> >?;21;:A?*?ă&;K*> >?;?. %> ,1K :@>1Ŋ?4 :,? > 0B¨1>* ƫ 1; ,>1> 1> ;H ? % (G&G :01 :,? > ?1>1>;HƝ? :Ŋ?4 %Ð(>*?1>1>;HƟ %dž,B77 % ,2>& 0B¨1>*1?)0B¨10|?1> >&>;H2:,?Ŋ?7É1Ŋ:011; ??*2@%Ĝ½¦2,K!~?/4G0|2@ >*@ >?;Ɵ 2>?8>-½0?04&@;HƟ&0B¨1>ý>2>½ :,?Ŋ0B¨1>* A(2> %Ŋ.4,2.?Œ?!½;HƝ K?,G>ŝ&?)1 K,*G®&2,2/@®7&Îē,:G?*2@%2:1>,*?1> >*> >?;Ɵ >ÖK&/@;HƝ1 ,>(Ĝ½,G>*,@/@0;HƟ:>';@1;.Ĝ ®7@ŝ?& ,B7 7®'> ƫ )>2&>Ɲ % 7G(* ->0Ŋ :>' ?7@1 Ŋ?7>:>®'> ÖK&/@;HƟ&A(2> %ĜK.X>7>(G*GŊ (®&>7G ĜŊ4>7>?7?/þŊ7> :@(®&>7G Ю&A&2&>;HƟ *(®&>7G Ĝ :>'dž:>'?*7>2:&œ&>,2/@ ? &1>*(|G&K/?71½.?Œ ½Ð>0>?%&>?*¤*Ð>2:G:1>?,&½ >:&@;Hƫ A(2>.?Œ;@;K@Ɵ ƙƚ 1ü?, !@2 :1>?,& *;º ½ > :&@ 4G?* 7G.:> ! ǫǷǷdzǶƫƠƠǬDZǦDzǰǨǷǤǻǬDZǧǬǤǨǩǬǯǬDZǪƟǪDzǹƟǬDZƠǶǨǵǹǬǦǨǶƠ :(@,80>Ɲ ǑǜǚǞǶǷǤǷǸǶǔǬDZǮƟǫǷǰǯ,2*4> *¦2!*-> ?4>:1>,* 7¦2"Ð.)7:>1Ɲ ?1> >:&>;HƟ .WL(>>(0@Ɲ4* January - March 2020 25 :0> >2 Bank sings MoU with .*>:>">GÎK*,@7:B4@0| ŝć CARE Ratings for SME ratings >1?*,>(*;G&A:¤0>* On 30th January, 2020 our Bank signed an MoU with CARE Ratings for credit quality on existing and prospective customers in the small and medium enterprises (SME) ƢƤ *72@ƝƣơƣơK.*>:>">GÎK?(:.2ƣơƢƪK:0>ÿ segment. CARE Ratings will assess the SMEs by processing ?&0>;@Ŋ(L2>**,@7:B4@0| ŝć>1?*,>(*;G&A:¤0>?*& and analyzing structured, unstructured and new data streams. Our Executive Director Shri Vikramaditya Singh ?1>1>Ɵ :7:2,2>1,>4?*(G8@8>?&4>4 H**G Khichi exchanged the MoU with Shri Mehul Pandya, Executive Director, CARE Ratings Limited in presence of .*>:>">GÎŊGÎ@1Ð.)@0;|Ï?:;2K;?W1>KÐ8§®&dž,Î RWKHUVHQLRURIÀFLDOV Ð(>*2:¤0>?*&?1>Ɵ Udupi Region sponsors Manipal 7>2>%:@GÎŊ8>>Ð.)Ĝ½:0@>.H"7 Marathon 2020 :¤0>*:0>2K;>1K * Udupi Region has taken initiative for being the ƢƧ *72@ƝƣơƣơK7>2>%:@GÎ0|GÎŊ:0®&8>>Ð0AĜ½ associate sponsor for Manipal Marathon 2020 held on «17:>?1:0@>.H"7:¤0>*:0>2K;>1K *?1>1>Ɵ 9th February, 2020. Regional Manager Sri Ravindra Rai :7:2,2 ,0;>Ð.)@Ð&@?Ý;KÎ@Ɲ ,GÎ@1Ð0A@ and Banks Staff along with their family members and 2 @&Ř0>2 >7@®7,*Ř0>2#G7GÎŊ:/@8>>ĜŊ8>> kids also participated in different category. Ð.) ,§®'&2;GƟ Our Bank selected under best 50 PCI companies for the year 2019 Our Bank has been chosen as one of the Best 50 PCI Companies for the year 2019, for the third consecutive year. The People Capital Index (PCI) Award by Jombay and the BSI, which indicates employee and market perception on how well the organization is developing their people capital, through an anonymous PCI survey. Ms. Swapna Bandopadhaya, DGM (Strategic HR & OD) received the award on behalf of our Bank in the “Leading from behind Summit” organized by Jombay at Pune. 26 *72@dž0> ƣơƣơ NEWS 4* 4ý>2>0A10Î@2>;&K90|:;>1&> 2>?8>(>* GþH 4ý>2>ÐK,!»-Ŋ12>1K * 4* 4ý>2>Ƥơ0> ƝƣơƣơKK2K*>0;>0>2@:G. >7Ŋ GþH 4ý>2>ƨdžƩ0> ƝƣơƣơK.Y.WL(>ÐK,!»-Ŋ12> ?44* 4Ŋ:/@®!>-:(®1Ĝ*G?(*>7G&*ƣƢ4> 1K *?1>1>Ɵ>1É0> (>!*0;>Ð.)7 4Ð0A Ē,1G> G0A10Î@2>;&K90|(>*?1>Ɵ :7:2,2 2 @20K;**G?1>Ɵ :7:2,20;>Ð.)ƙ:G7>?*7Cƚ@2 Ð(G8Ŋ0A10Î@@1K@?(1*>'K 4Ð0A#IƟ2>0 : 2>0ŝ%*ƝGÎ@1Ð0A:@02džƢ@ŊƟ7@Ɵ 4,?&*>1#ŤƝGÎ@1 1>(77GÎ@1Ð0AƝ4* GÎ@Ŋ?:;ý>2>:;>1&>2>?8> Ð0A:@02džƣ@2>0>*A 80>Ɲ1®!>-:(®17Ð?&?Ĉ& G/|!?1>1>Ɵ Ë>;% ,§®'&2;GƟ B*>XGÎý>2>ŝ?9?791:>2&>?/1>* >1K * >0*2GÎý>2>!GYŊ®!ƣơƣơ0|Ð?&/>?&> B*>XGν0>*>7(28>>ý>2>ơƧ-272@ƝƣơƣơKŝ?9?791 :>2&>?/1>*>1K *?1>1>Ɵ :?/1>*0| B*>XGÎ@1 ƤdžƧ *72@Ɲ ƣơƣơ K @ #@:@ :K?:8*Ɲ >0*2 ý>2> Ð0A@ G.@2K;W>Ɲ0>*>7(28>>7 B*>XGÎ@1>1>41Ŋ 1K? &!G-Ŋ®!0| >0*2GÎý>2>.Ŋ ,>(>|ŊÐ >2;G&A ®!>-:(®1Ŋ:>'Ë>; ,§®'&2;GƟ :?/1>*Ŋ&;&?:>*Ĝ ®!I44> Ɵ :7:2,2GÎ@1Ð0A@:Ŋ2>"K#Ɲ ,GÎ@1 K.½?7?/þŝ?91K *>ĜŊ.>2G0|7&2>1>1>Ɵ Ð.)@?7>: >74>:?;&1®!>-:(®1 ,§®'&2;GƟ *>?:GÎý>2>0?;4>:8?Ú2%Ŋ?4?*/1> 0H2>'*>:;Ð>1K * *>?:,A?4:ý>2>ơƩ0> ƝƣơƣơK0?;4>:8?Ú2%Ŋ?4 ?*/1>0H2>'*>1K *?1>1>Ɵ*>?:GÎ*G :0H2>'*K :;Ð>1K? &?1>Ɵ :7:2,2 ,0;>Ð.)7GÎ@1Ð0A @2>Ŋ8Ř0>2Ɲ,A?4:1AÚ@?7Ć>:*>2G,>!@4&'> ,GÎ@1 Ð0A@?*4.W >1> ,§®'&2;GƟ January - March 2020 27 :0> >2 ,A%G? 4>Gν0>*8>>ý>2>:@&:1>> 1K * K¨;>,A2GÎý>2>?7?/þ:>0Ë@>?7&2% ƣƧ *72@ƝƣơƣơK,A%G? 4>½0>*8>>ý>2>:@&:1> ƣƧ *72@ƝƣơƣơKI,ĝ2G!:>0>? (>?17Ŋ&&K¨;>,A2 >1K *?1>1>Ɵ :7:2,2 ,§®'&Ë>;ĜK8>>Ŋ GÎý>2>? 4>,¦27@>7*A2%:®'>*ƝK¨;>,A2K40>2@Ɲ,G >2K.>2Ɲ4I2&'>1 ,>(Ĝ½ >*>2@(@ Ɵ :>1É00| &'>1:>0Ë@>?7&2%?1>1>Ɵ :7:2,2GÎ@1Ð0A@ GÎ@1Ð0A@?*?40K;*Ɲ7¦2Ĉ>1,>4%Ɲ®!>-:(®1&'> Ë>; ,§®'&2;GƟ ?77GŘ0>2 L)2@&'>1®!>-:(®1 ,§®'&2;GƟ 4@XGÎý>2>8>>Ð0AĜ½:0@>.H" ;¨ý>*@GÎý>2>:0@>.H">1K * ƣƨ *72@ƝƣơƣơK;¨ý>*@GÎ0|®!>-:(®1ĜŊ?4:0@> .H">1K *?1>1>Ɵ :7:2,20;>Ð.)7 4Ð0A 4@XGÎý>2>Ƣƥ *72@ƝƣơƣơK8>>Ð0AĜ½:0@>.H" @02*>'Aÿ>Ɲ , 4Ð0A@;2(@,?:;&'> ,0;>Ð.) >1K *?1>1>Ɵ :7:2,2GÎ@1Ð0A@808>(;0( 7GÎ@1Ð0A@:7}8/:@*&'>?7?/þ8>>ĜŊ8>>Ð0A &'>8>>ĜŊ8>>Ð0A ,§®'&2;GƟ :?;&®!>-:(®1 ,§®'&2;GƟ >0*2GÎý>2>0:0 ,2?78G9Ë>;.H" >1K * ?(*> Ƣơ *72@Ɲ ƣơƣơ K >0*2 GÎ ý>2> >0*2 -ŋ!ŧ@ :K?:8*>1>410| >0*2Ŋ Ë>;ĜŊ :>' 0:0 Ò>: 1B?*!?7?8ć1K *>,2.H"½ Ɵ :7:2,2I,ĝ2G!>1>41Ɲ 0A. Ɲ0:0 :G ,0;>Ð.)@:A*@4 >ƝGÎ@1Ð0A@: Ŋ2>"LWƝ ,GÎ@1Ð0A@?7>: >74>Ɲ8;2@GÎŊ8>>Ð0A &'>.W@:1>0|Ë>; ,§®'&2;GƟ 28 *72@dž0> ƣơƣơ NEWS Urban Women’s SHG meet organized &G4>*>GÎý>2>8>>Ð.)Ĝ½.H" by Manglore Region >1K * Women’s SHG Credit Camp for Women SHG ơƨ-272@ƝƣơƣơK;H(2>.>(0|&G4>*>GÎý>2>8>>Ð.)Ĝ½ was organised at Kalladka on 04th March, 2020. .H"Ŋ(L2>*8>>ĜŊ«17:>1½:0@>½ Ɵ :7:2,2 DRM Shri Chidananda Hegde and Branch Heads of GÎ@1Ð0A@Ŋ?7 12> B&'>?7?/þ8>>ĜŊ®!>-:(®1 nearby branches were present at the Camp. ,§®'&2;GƟ 0A. 0G!ŧK01GÎŊ:1K *0|4@*>8>>ý>2> :A¨&>*,A2GÎý>2>«17:>1Ð?&?*?)1ĜŊ?4 ?7>*Ð(8*@>1K * :¤0>*:0>2K;>1K * ƣƢ *72@ƝƣơƣơK0A. 0G!ŧK01GÎŊ:1K *0|4@*>8>> ý>2>0G2@ 0>1B4G!;> ®ř40|1K? &?7>*Ð(8*@>1K * :A¨&>*,A2GÎý>2>ơƦ0> ƝƣơƣơKGÎ@1>1>41Ŋ:/>>20| ?1>1>Ɵ :7:2,28>>Ð.)@ Ï;>:8Gé@Ŋ:>'1 «17:>1Ð?&?*?)1ĜŊ?4Ŋ?4:¤0>*:0>2K;>1K *?1> ®!>-:(®1 ,§®'&2;GƟ?7>*Ð(8*@Ŋ(L2>*?8> %&'>. 1>Ɵ :7:2,2GÎ@1Ð.)@:A.K) H*Ɲ ,GÎ@1Ð0A@ ý>2>Ð(:/@ % ,>(ĜŊ:.)0| ,§®'&ĜK:B? &?1>1>Ɵ #@:?0>&'>«17:>1Ð?&?*?) ,§®'&'GƟ Chennai -Tirupati Express Train Branding by Chennai Zone &KHQQDL=RQDO+HDG6KUL50RKDQÁDJJHGRII%DQNRI Baroda OOH Branded Chennai -Tirupati Express Train at Chennai Central railway Station. Mrs. Vijayamala (Southern Railway), Shri Ramanju Sharma (Regional Head, Chennai Metro Region-II), Shri B Priya Kumar (AGM-HRM & Co-ordination), Shri Kuppuswamy C R (AGM) were present on this occasion. January - March 2020 29 Story ould you care for a coffee, Ms. Lakshya “WTXDOLÀHU?” She looked away from her computer screen to see a friendly face with a toothy smile asking her this question. Inayat had just I UHFHLYHGWKHOLVWRIZLQQHUVZKRKDGTXDOLÀHG/DNVK\D contest, a nationwide competition sponsored by their company for those who collect the maximum Insurance premium and offer minimum TAT for N VHWWOLQJ ,QVXUDQFH FODLPV :LWK KHU LQGH[ ÀQJHU Inayat pushed her spectacles back on her nose and made a mental note that she needs to get a new pair of spectacles for herself as this pair needs to be repaired. “No, thank you for asking Jeevan but A I am running late and this excel sheet needs to be updated before 4:00 PM.” She took a deep breath as Jeevan moved back to his cubicle and she resumed her work paying no heed to the thoughts coming in Y her mind. Back home, while taking a walk in the local park, Inayat wondered if tomorrow will be any different. For a few months now, she had been trying to A push away the thoughts that were making her feel uneasy about her current situation. Even when she tried talking about it with her sister, her ideas were dismissed with very cruel words, “Do you even know what you really want? You always say ‘This is not T what I want’. But if this is not what you want, then what else do you desire?” What did she desire? On paper, her life was perfect. She was working for a great company with amazing They spent the next day roaming around the city team leaders and a team of subordinates that taking pictures and tasting delicious sea food. The respected her. But whenever there were occasional castles that both visited were the remnants of the SDQJV RI GRXEWV VKH ZDV XQDEOH WR SRLQW D ÀQJHU great structures built by rulers with great intricacies. at a particular cause. For past few months, she had “You know Inayat, art and sculpture have made been feeling like a zombie as if someone is constantly these rulers immortal,” Meera said. “They have feeding off her soul. The constant pressure on her given up their mortal bodies, but these structures still chest was getting heavier with every breath that she reminds us of these rulers makes them immortal,” she took. She felt at a crossroad, not able to decide her continued. “Talking all philosophical Meera; I think path. Inayat kept the envelope closer to her chest the salty air is getting to your head” Inayat Joked. “I and took out her phone and called Meera. “Are you am sure you teach your students in this philosophical still going on that solo trip? Mind if I join?” manner only”, Inayat winked at her making Meera chuckle. Inayat could never understand how Meera had planned the vacation and had been Meera could have decided to join Teacher for India insisting Inayat join her for a month now. The beach, fellowship after giving up the lucrative job offer from Ocean and sound of the waves felt refreshing and a reputed MNC. She taught young children in tribal suddenly without the constant buzzing phone which and Naxalite hit area. The pay might not match sometimes felt like a talking demon that is wrapped what she might be earning had she joined the around Inayat’s neck, she realized that maybe there MNC whereas, on the other hand, Inayat attended is no real pressure on her chest and she had been all the gala festivities sponsored by the company; imagining it the whole time. Attending conferences and meeting company bigheads made her feel important. But still, Meera’s The kids on the beach were building sand castles life was awe- inspiring as she lived like a falcon near the ocean water and were trying to protect making her own way in the world whereas Inayat on it from the emerging waves by placing little hands the other hand always felt as if her wings are always around the castle. Inayat found it very amusing. Their constricted by the electronic device which kept simplicity and the sense of purpose that these kids buzzing and reminded her of the reality. radiated was contagious. At a distance, both the girls could hear music playing and crowd cheering. Brushing these thoughts asides, Inayat asked Meera Inayat looked towards Meera and found her if she remembered the old days when they used to grinning from ear to ear. “I am sure you would like to participate in inter-university drama competitions go and sing just like the old days,” Meera said and DQG WKRVH EHKDYLRUDO ÀQDQFH OHFWXUHV ZKHQ WKH\ both reached towards the crowd, joining the singing waited eagerly for the presentation week applying group. WKH EHKDYLRUDO ÀQDQFH FRQFHSWV WR FDVH VWXGLHV 30 *72@dž0> ƣơƣơ Inayat missed that creative intellectual stimulation She stared into Meera’s eyes and realized that Meera every second but was afraid to leave her comfort looked pale as a ghost. Inayat said in trembling zone. voice “Meera, before coming here, I had settled The ocean breeze was inviting and both girls decided an Insurance claim for a family who lost its son who to enjoy the bumper ride. The guy managing the drowned in a pool. Meera, do you know people can water sport on the beach explained that they were drown in a swimming pool and die.” Meera was too going to close soon as during sunset the high tide scared to say anything but she wrapped her arms makes it dangerous to go inside the ocean. Both of around Inayat and whispered what seemed like a them were excited as they put on their life jacket and prayer to Inayat. got into round tube boat attached to a speeding The train journey back home made both of them watercraft. nostalgic. The memories of university included Excited, both the girls jumped into the tube boat. taking endless train journeys back and forth and As the engine of the watercraft started, Inayat felt these journeys usually meant leaving a part of their her heartbeat racing. The tube boat left the shore memories and soul behind. But today Inayat felt as if behind and trod into the unknown. As the watercraft she had found a missing piece of her soul from under VSHHGHGIXUWKHUWKH\IHOWDVLIWKH\ZHUHÁ\LQJLQWKH water. DLU7KHDGUHQDOLQHUXVKÀOOHG,QD\DW·VERG\DQGVKH “And what are you smiling about, Ms. Dreamer,” could hear her heart beating inside her ears. All her Meera asked while nudging Inayat slightly with an worries, thoughts were left behind on the shore and elbow. “Ah, nothing. I am just happy to be alive.” she was screaming with pure joy. The cold breeze felt she winked at Meera and both laughed loudly. “You amazing against her skin and she could almost feel are one hell of a crazy woman. When you do not the taste of salt on her tongue as the salty air reached know how to swim, why did you agree to take that her lungs. She was free like a bird. But suddenly she bumper ride?” said Meera. “See Meera, I realized stopped laughing as she could sense as if something that I cannot swim and the life jacket I was wearing is not right. Unable to comprehend this strange is useless when I was underwater, so already it was a feeling, she grabbed Meera’s hand saying,”Meera, little late.” said Inayat to which Meera frowned. I want to go back. I am feeling sick.” “We are in the middle of the ocean Inayat,” said Meera. All of a “I am sure before coming here again, you will take sudden to their horror, the boat tilted throwing Inayat some swimming lessons”, said Meera. Inayat looked in the ocean. deep into her eyes and said “Meera, life is an exam where the syllabus is unknown and question $IWHU WKH ÀUVW IHZ VHFRQGV WKH SDQLF VHW LQ ,QD\DW papers are not set. I have been working so hard, FRXOG RQO\ VHH WKH ZDWHU DOO DURXQG KHU ÀOOLQJ KHU lungs and she could not breathe at all. “Is this the way saving money and turning myself into a Robot with I am going to die?” She wondered. She struggled and the belief that one day I will pursue my dream. But suddenly my whole existence was shaken and now I KHUKDQGVNHSWVHDUFKLQJGHVSHUDWHO\WU\LQJWRÀQG am realizing if I was not rescued yesterday before the VRPH VXSSRUW EXW DOO KHU KDQGV FRXOG ÀQG ZDV WKH ocean water. Immediately, she was reminded of her darkness took over, all those big dreams could never family and felt guilty for not calling them this morning, be materialized. I am sure I would have continued one last time maybe; As she remembered her dead dragging myself into a meaningless life, too afraid mother, she wondered if she is going to meet her to change the status quo only to realize that I am soon. Her eyes were not able to see anything now thrown into the ocean for good and no one there to and her limbs were tired of struggling.The darkness save me again.” grew and she felt as if she was falling asleep and in “You are talking all crazy Inayat.” Joked Meera “Are the moment of confusion she wondered whether you going to Himalyas or what?” “Well, I don’t know it was possible to fall asleep while drowning. Her about Himalyas Meera, but London, maybe. ” Inayat thoughts were not making sense anymore, only the searched her bag and handed over an envelope GDUNQHVVZDVHQJXOÀQJKHU to Meera. Meera’s eyes lit up as she read the words Suddenly, she felt as if someone had grabbed her and she said out loud “You have a scholarship letter hand and pulled her out of the water. Meera was from Royal Academy of Dramatic art and you did sitting in the boat and Inayat realized that she was not tell me.” Inayat sighed as she looked out of the pulled out of the ocean and the boat was taking window. This idea of a secure job, comfort zone them towards the shore. There was a distant voice can crumble so easily, she wondered. All this while, that sounded like Meera’s asking her if she was okay she kept praying for answers to help her take this but Inayat was too numb to react and her whole GHFLVLRQ:HOOVKHGLGÀQGKHUDQVZHUVXQGHUZDWHU body was shaking uncontrollably. after all. As they reached the shore, Inayat sat on the sand and looked at her shaking hands. The Sun had not set yet. Birds were chirping and kids were playing Vatsala Paul peacefully at some distance. Inayat was unable to 2IÀFHU wrap her head around the experience that might 5HJLRQDO2IÀFH haunt her for the rest of her life. The air that she could Jalandhar breathe felt heavenly. 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Shri D Ananda Kumar, Chief Executive, GCC Operations received this prestigious award on behalf of our Bank from Hon’le Minister of State for )RRG3URFHVVLQJ,QGXVWULHV6KUL5DPHVKZDU7HOL2WKHUVHQLRURIÀFLDOVRIWKH territory were also present on the occasion. Our Executive Director meets Governor, Bank of Uganda During his visit of subsidiary, our Executive Director Shri Shanti Lal Jain met with Governor, Bank of Uganda Mr. Emmanuel Tumisiime - Mutebile. Shri Ashwini Kumar, Managing Director and Mrs. Rukimirana Nsanze, Chairperson, Bank of Baroda (Uganda) Ltd. were also present on the occasion. Various issue related to economy and International Banking were discussed. The role of Bank of Baroda (U) Ltd in the banking fraternity of Uganda was also discussed. Town Hall Meeting at Nairobi, Kenya %DQNRI%DURGD .HQ\D /WGRUJDQL]HGLWVÀUVW7RZQ+DOO0HHWLQJDW1DLUREL .HQ\D RQ th Jan, 2020. All staff members of Bank’s Nairobi Branches attended the meeting. Mr. Saravanakumar A (Managing Director), Dr. M K Chary (Head International Banking, Africa) and Dr. Winifred N Karugu (Non-Executive Director of BOBKL) addressed the gathering during the meeting. A monthly newsletter “Baroda Jamii” was also launched on the occasion. During the event the Bank also felicitated its Branches with WURSKLHVDQGFHUWLÀFDWHVEDVHGRQWKHLUSHUIRUPDQFHGXULQJWKH)< . 34 *72@dž0> ƣơƣơ ?7(G8@8>>>|Ơ>1>41>|0|?7¬7?;(@?(7:>1K * ?(*>Ƣơ *72@Ɲƣơƣơ>G.½?7(G8@8>>ĜƠ>1>41Ĝ0|?7¬7?;(@?(7:Ŋ7:2,2?7?/*>1É0 >1>G? &?Ɵ *0|:GŘ Ð0A>1É0>|½ 4?1>;0>2G,>">|½ >*>2@Ŋ¦4Ю&A&;dž:,>( (Ã. 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Some of the key hygiene factors that we should address are as under:- Serve with Smile As staff members we should practice the key attributes of “SMART BARODIAN” i.e. proper attire, serving with smile and listening actively rand Hygiene factors are the to customers as these are the key elements that contribute to the quality Bbasic sets of values that the service delivery process and perception that customers draw about your customer expects to be in place for organization. any brand/service that they consider Smiling face with soft skills creates positive aura and makes customer worth investing in it. comfortable and associated In banking industries there is no clear Association of customer with brand is very important as it is a major force for differentiation in product offerings. brand growth. The only differentiators are the service Surveying your Customers delivery and quality of services. Apart from these, soft communication and Good organizations always listen to their customers. At Bank of Baroda we customer delights are something that need to survey and engage our customers at all levels both in branches and provide us edge on our competitors. also at social media platforms. It establishes our brand as most At branches customer meets should be regular exercise in order to get cherished and appealing in the eyes valuable inputs from our customers so as to further improve our offerings and minds of customers. and delivery. Customer suggestion box must be placed at all branches and If brand wishes to rise above suggestions received should be properly evaluated and implemented as far competitors and stand for something as possible as this will create delightfull moments for customers and they will that sets it apart, it needs to feel more associated with us. demonstrate the hygiene factors with proper communication with clear cut positioning and differentiation. Brand are not build in single day but years of hard work, marketing and communication strategy, value based offerings and customer engagements create a powerful brands. Bank of Baroda has evolved as a powerful brand over the years since its inception in 1908. In all these 112 years we have seen Bank of Baroda DVDEUDQGJURZLQJVLJQLÀFDQWO\ZLWK all seven Ps of service mix- product/ :LWK VLJQLÀFDQW SUHVHQFH RQ VRFLDO PHGLD SODWIRUP OLNH )DFHERRN 7ZLWWHU price/place/promotion/people/ Instagram, YouTube we as Barodian need to actively use the same as well as process and physical evidence promote the same amongst our customers. FRQWULEXWLQJ VLJQLÀFDQWO\ LQ HYROYLQJ Social media platform is convenient, cost effective and has wider reach. With Bank of Baroda as a robust, credible, proper education of the same to our customer we can provide them real time trustworthy brand in Global Banking news and updates on various initiatives and campaigns that bank launches Industry. Post amalgamation of and make them associated with brand Baroda which will further enhance our Vijaya and Dena Bank, Bank of brand value. Baroda is India’s third largest bank in terms of total business and also in Similarly customers should also be actively involved in online survey that bank terms of major lenders. FDUULHV RXW HYHU\ \HDU LQ RUGHU WR JHW VLJQLÀFDQW VXJJHVWLRQV WR KDYH YDOXH addition to our offerings and delivery process. 38 *72@dž0> ƣơƣơ Let the world know your success as this will only add to trust to your brand from your stakeholders. We should actively use the social media platform to Listening to your Employees communicate, publicize our success. Employees are the most important asset for any Posting the key milestones achieved by our bank and organization and its proper nurturing and care is required various successful moments on social platforms makes the for sustainable growth of any organization. world know about you and it makes both the organization $OVR HPSOR\HHV DUH WKH ÀUVW OLQH RI LQWHUDFWLRQ EHWZHHQ as well as various stakeholders proud of the same. customers and organization and the perception that Pay it back to Society customer draws about the organization is through the employees only. It is our rightful duty to address this hygiene element to acknowledge and give it back to society from which we It is a key brand hygiene element and needs to be earn. carefully taken care of. At Bank of Baroda we have seen several HR initiatives in order to nurture, develop, train and appreciate the employees at all levels to make them feel as “Proud Barodian”. With “Voice of Barodian” – online employee survey to transparent employee performance management With great CSR activities that our institution carries out system-GEMS, BANK OF BARODA is taking care of its most on regular basis, Bank of Baroda over the years has important asset i.e. human capital. FRQWULEXWHG VLJQLÀFDQWO\ IRU WKH GHYHORSPHQW RI WKH For career oriented employees Bank’s SPEED scheme- for society. self-assessment and development is also in place. Under the "Project Navoday" compulsory social and With “We Lead” a comprehensive leadership training community services are a routine activity at bank with program at four level bank keenly helps on building on employees actively participating for betterment of the individual’s capabilities as a leader. community and society. Bank also provides external training at best of the With R-SETI’s and FLCC centers bank is helping in socio- institutions in India and abroad to adequately equip economic development through various activities like employees for future ready. skill development of youth, women empowerment, “Employee of the month”, WOW moment, ZERO hour, Job health care and sanitation, drinking water facility through families and Carrier Path schemes, BRITE, are some of the GRQDWLRQVRIZDWHUÀOWHUV52·VWRYDULRXVLQVWLWXWLRQVDQG novice initiatives of our bank in order to engage, motivate schools, education and literacy camps. and reward the best of the human resources. Bank is also Brand Hygiene adds to customer loyalty, brand valuation KDYLQJDZHOOGHÀQHGWDOHQWLGHQWLÀFDWLRQDQGJURRPLQJ and brand equity. policy in place. We can say that our bank is taking a very Hence it’s everybody’s responsibility. serious note of this key brand hygiene element in order to strengthen the brand at all levels. Saurav Kumar Celebrate Your Success Senior Manager & Faculty A strong brand is always visible, audible and Baroda Academy, communicating. We need to address thes key hygiene Jamshedpur elements. 'KW>:>0Ɲ'KW@:@A8@;H? (@ ? (@ 'KW>:>((Ɲ'KW@:@02;0;H? (@ 'KW@:@*-2&Ɲ'KW@:@0K;¢.&;' H? (@ /@:Ɲ/@;:>:; H? (@ /@0V>Ɲ&K/@:V>; H? (@ .*&. G?.W&G;>4>&Ĝ>Ɲ?;:>.;H? (@ Ř :0 *Ř G>ƝŘ :0 >*G>7>.;H? (@ 7(*>Aÿ> A 2&A GĨ2>;Ĝ,2Ɲ:-2:@;H? (@ 7¦2ĈÐ.) 4 * |;.Ĩ&,2ƝB.:B2&@:GB.:B2&;H? 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This means that if you believe that you don’t have the time, resources, necessity. People are now held clients and trainees, Sharon Melnick or knowledge to handle a situation, accountable for their actions. Long offers the following four strategies to you experience stress. In short, you hours, tight deadlines, and ever- take your work stress down a peg, experience stress when you feel “out increasing demands can leave before it takes over your life. you feeling worried, drained, and of control.” Act rather than react : overwhelmed. And when stress The stress response is the body’s way exceeds your ability to cope, it stops “We experience stress when we feel of protecting you. When working being helpful and starts causing that situations are out of our control,” properly, it helps you stay focused, damage to your mind and body as says Melnick. It activates the stress energetic, and alert. In emergency well as to your job satisfaction. hormone and, if chronic, wears situations, stress can save your life— GRZQ FRQÀGHQFH FRQFHQWUDWLRQ You can’t control everything in your giving you extra strength to defend and well-being. She advises that you work environment, but that doesn’t yourself. Stress can also help you rise identify the aspects of the situation mean you’re powerless, even when to meet challenges and sharpen you can control and aspects you your concentration. But beyond \RX·UH VWXFN LQ D GLIÀFXOW VLWXDWLRQ can’t. Typically, you’re in control If stress on the job is interfering with a certain point, stress stops being of your actions and responses, but your work performance, health, helpful and starts causing major not in control of macro forces or or personal life, it’s time to take damage to your health creating someone else’s tone, for example. action. Whatever may be your work cardiovascular disease, stroke, “Be impeccable for your 50%,” she demands, there are steps you can depression, high blood pressure, advises. And try to let go of the rest. and a weakened immune system. It take to protect yourself from the Take a deep breath : also badly affects your mood, your damaging effects of stress, improve productivity, your relationships and your job satisfaction, and bolster If you’re feeling overwhelmed or quality of your life. your well-being in and out of the are coming out of a tense meeting workplace. and need to clear your head, a Stress at workplace : Ways to manage work stress : few minutes of deep breathing Stress at workplace is expected and will restore balance, says Melnick. “Everyone feels overwhelmed normal. But, in today’s world, the 6LPSO\ LQKDOH IRU ÀYH VHFRQGV KROG and overly busy in modern world” workplace seems like an emotional and exhale in equal counts through says Sharon Melnick Ph.D., a roller coaster. Global urbanization, the nose. “It’s like getting the calm business psychologist and author competition and the spread of and focus of a 90-minute yoga class of the book “Success Under Stress”. technology have created a world in three minutes or less at your desk,” Citing 10 years of Harvard research in which access to information she says. has become an obligation and DQGÀHOGWHVWHGE\PRUHWKDQ 44 *72@dž0> ƣơƣơ Eliminate Interruptions : activities and solitary pursuits, daily create extra drama, over-think or responsibilities and downtime. create a problem out of something “Most of us are bombarded during that doesn’t matter much. the day,” says Melnick. 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.XG@2,*G41>*@ 4K. >*GŊ ?(8>?*(}8 >2@? >*G >?;½:B¸0Ɲ4A2010 ü0 ?4:>' 4|GƟ :G7>ƙǕǛǕǍƚ?(0|?:@/@Ð>2> %&/@?(1> >> . 4,C7@>:7>?)0B¨17>*::>)*;H2;0|*Ŋ74,*G?41G :½2>2*@;H.§¨/?71½,@?X1ĜŊ?41G/@ :G. >22*> ;HƟ7&0>*:010| ./>2&Ŋ:>'dž:>':,B%?7Ć 4:!> :>0*>22;>;H&K7¬1;H? :2/@2&>:G1>*?(1> >Ɵ ;0:/@K,*>4. >*GŊ?4 :>'?042 4*>;K>Ɵ 4 ;H&K4;HƟ 8?Ú7@2?:; ?)>2@Ɲ GÎ@1>1>41Ɲ0(Ã2H January - March 2020 55 Travelogue (this reminded me of Launchpad’s plane from Ducktales) and the airport surrounded by lush greenery, water, mountains. On our way to the hotel, our tour operator explained the island in Indian metaphor “Langkawi is a combination MALAYSIA of Kerela and Goa”. I was amazed that not TRULY ASIA only places, but the basic traits of places of my country are known by people who have never stepped here. Very true to its words, laid back life, shoreline fringed with white sand, swaying coconut trees would make you feel that you belong to this island. And yet another feather in the crown, Langkawi is a duty-free island where you can shop till you drop. 2QUHDGLQJWKHQDPH/DQJNDZLIRUWKHÀUVWWLPH I wondered if it has been one of the farmhouses of mighty Raavana (Lanka-wi). But Langkawi is Malay Word for the reddish-brown eagle a brahminy kite, which is built as an emblem of the island at “Dataran Lang or Eagle Square”, greeting those who enter the island by boat. This is a popular photo spot featuring a huge and majestic eagle perched over a scenic waterfront plaza. The day we reached Langkawi we booked our tickets for a night safari at Kilim Geoforest Park. Feeding budgies The 4 hours boat safari for the nature park, Langkawi Wildlife park spread over 100 sq km area, started by 5 in the evening. As our voyage of exploration began, his tagline has always inspired the traveler within me. So, we could see lagoons of water separated by high TZKHQLWFDPHWRFKRRVLQJWKHÀUVWLQWHUQDWLRQDOWUDYHO limestone cliffs, forming the shape of mountains destination (in my budget, of course), Malaysia popped fringed by mangrove vegetation. Mangroves up in my mind. Despite searching for various locations, I are small trees found in brackish water. They are FRXOGQRWJHWRYHUWKHWKRXJKWRI0DOD\VLD$QGÀQDOO\, one of the best examples of adaptability seen in packed my bags in Jan 2020 for a family trip to Malaysia. nature. They have evolved their roots to grow in While making my initial researches I gathered all the the air, to cope up the harsh conditions of saline facts about this tropical country. Malaysia constitutes water, hence known as aerial roots or breathing two parts - East Malaysia & West Malaysia, both of which URRWV 0DQJURYHV DUH WKH UHDO VXUYLYRUV 2XU ÀUVW are separated by a large water body the South China stoppage in this safari was Floating Fish Farm. Sea. Capital City of the country is Kuala Lumpur located As the name suggests, the entire farm has been in West Malaysia. The country offers a home to various FUHDWHGRQDZRRGHQSODWIRUPWRÁRDWRQZDWHU ethnic groups of the world like Bumiputera (indigenous and had several water tanks containing various Malays), Chinese, Indians; who practice several religions W\SHVRIÀVKHVOLNHVWLQJUD\DUFKHUÀVKFUDEVVPDOO like Islam, Buddhism, Christianity, Hinduism; and from here sharks. Then we moved further away in the sea, comes the concept of “Truly Asia”. where we could see a convocation of reddish- brown eagles & white-bellied eagles soaring It was very challenging for us to choose locations to visit in high in the sky. As our tour guide would drop GD\VLQVXFKDGLYHUVHFRXQWU\$IWHUGD\VRIEURZVLQJ VRPH IRRG LQ ZDWHU WKRVH PDJQLÀFHQW ODUJH we decided to go to Kuala Lumpur and its adjacent birds darted towards water surface to catch their areas, followed by a 3-day tour of “Langkawi”. prey and back in the sky within seconds holding 7KHZKROHWULSFDQQRWEHMXVWLÀHGLQDVLQJOHZULWHXS6R, the prey in beaks. Our next stoppage was dark would share the best part of my trip “The Langkawi Tales” and mystic “Gua Kelawar” (Bat Cave). The cave Langkawi is an island district of Malaysia which is made has limestone formations, few hanging from roof up of an archipelago of 99 islands. Surrounded by (Stalactite), some rising from ground (stalagmite) turquoise Andaman sea with a lining of mangrove forest and at some places both joining to form a large DURXQGLWSDWFKHVRISDGG\ÀHOGVKLOOVODGHQZLWKDULFK single column. On the ceiling of the cave, were ÁRUDRISWHULGRSK\WHVLWLVDSDUDGLVHIRUQDWXUHORYHUV$V hanging a large population of fruit bats. It was our plane descended to land, I was mesmerized by the in this area of mangrove forest that we sighted YLHZ%OXHHYHU\ZKHUHLWZDVGLIÀFXOWWRVD\ZKHUHWKH hornbills, woodpeckers, mud crabs. As it grew sea ended and where the sky started. But then came darker, we were served our barbeque dinner in the best part, a runway just where the sea met the land WKHVDPHÁRDWLQJÀVKIDUP-XVWZKHQZHWKRXJKW 56 *72@dž0> ƣơƣơ around deserted islets with a feast of barbeque buffet. To celebrate a wonderful vacation, a sublime place, beautiful permanent memories, we decided to spend our last evening at Langkawi in one such yacht, enjoying the sun setting slowly in the Andaman sea, only to rise again in the Indian subcontinent, for us. Scuba Diving at Coral Island Eagle Square at Langkawi An aid for those who are mesmerized by Langkawi - that our safari has come to an end, Fishes zigzagging ubiquitously our boat stopped in the middle of yellow, blue, golden, orange, pink, How to reach : Langkawi can nowhere, and we were asked to white; crabs crawling on the sea be reached by both air and by touch the seawater around our bed, corals lying every here and sea. The quickest way to reach boat. It was then, we witnessed the there, mushy sea anemones, and Langkawi is by plane, it has an most spectacular phenomenon countless others whom we could international airport connecting of nature, hundreds of tiny not identify, but we could extend to all major cities of Malaysia and sparkles in water “bioluminescent our hands to touch them. After few international destinations as phytoplankton”, which made 40 minutes of indifference to the well. However, there are cheaper the water look like a starry sky. A world above, paddling around options like bus and trains which hundred other sparkles appearing in salty water, breathing through can take to various ferry ports with every glide of our hands in the mouth, bubbles everywhere, for a high-speed boat journey to water. With those scintillations we moved towards the light when Langkawi. captured in our eyes forever, we ran short of breathing air in our Food : Langkawi offers diverse returned to the main island. cylinders. cuisines ranging from authentic The Next day’s itinerary was one of On our last day at Langkawi, we Asian plates like Malay, Chinese, the most awaited parts of our trip. planned for a visit to Langkawi Thai, Japanese, Indian to Mexican, We were scheduled for Pulau Payar Wildlife Park, followed by the Italian. For seafood lovers, this Island tour, which was about 1 and 8QGHUZDWHU :RUOG WRXU LQ WKH ÀUVW place is a total delight that would half hour boat ride, situated in the half. Langkawi Wildlife Park is a satiate their taste buds. south of the main island, deep in total treat for animal lovers. It is an Best time to go : The best time to the Andaman sea which is blessed animal sanctuary with over 2500 visit Langkawi is between January with fringing coral reefs. Coral reefs exotic birds of many species like to March when it is dry with warm are colourful marine invertebrate ostrich, kites, white peacock, Indian temperatures. During this period animals attached to the sea bed. blue peacock, budgies, macaw, various festivals are celebrated in It is home to various sea animals. pelicans, hornbills, owls, eagles, the island-like Christian calendar The best way to explore sea life for NLQJÀVKHU 7KH SDUN DOVR KRXVHV new year, Pongal, Chinese recreation is scuba diving. The one various animals like crocodile, calendar new year. The place is activity in every youngster’s bucket porcupine, mouse deer, Burmese decorated with beautiful lamps, list after ‘Zindagi Na Milegi Dobara’, python, donkey, deer, meercat, offers a variety of exotic dishes. including mine of course. As we orangutan, lemur, turtle. This park is Popular destinations : Langkawi were about to reach the coral built with a unique concept, where has evolved into a popular tourist island, we were given our diving visitors can have close interaction destination in the past few years. apparatus, which included diving with animals, touch them, hold It has lots to offer to its tourists, few cylinder containing compressed them, hand feed them, as most of which we have visited and many breathing gas, mouthpiece, a half the animals & birds roam freely in which we could not, like Langkawi PDVNIRUQRVHDQGH\HVÀQV%HIRUH open area, besides us. sky bridge, crocodile adventure dive, we were given a certain Soon after terrestrials and aerials, land, Cenang beach, Gunung set of instructions like underwater we headed for aquatics, to Raya. communication, pressure Underwater World Langkawi, one The surreal beauty of Langkawi will equalisation. of the largest aquaria in southeast keep its visitors enchanted for a Soon after that we were in the water Asia. It has a large number of marine very long time. accompanied by a divemaster. as well as freshwater animals and a We slowly started our descent very exquisite penguin aquarium. inside water one metre, two- Several cruise operators in Monisha Chandrawanshi PHWUHV WKUHH IRXU ÀYH«««« Langkawi who organize sunset Senior Manager As we descended, pressure in our dinner cruise. It is an evening tour 5HJLRQDO2IÀFH'XUJ ears kept increasing. But what we that takes people on a leisurely experienced was unmatchable. trip to the Andaman Sea, strolling January - March 2020 57 6. Save Time and Fuel: Customer can travel without stopping at the toll plaza by using the FASTag thus reduce congestion at plazas and saving fuel and reduce travel time. 7. Recharge FASTag account online: Customer can recharge FASTag account online through issuing Electronic Toll Collection member banks portal using UPI/ Credit Card/ Debit Card/ NEFT/ RTGS /Net Banking. 8. Cashback: Cashback scheme is available to the Introduction: customers on toll payments using FASTag at National NHAI (National Highways Authority of India) has rolled out Highways Toll Plazas. The cashback scheme for the program for National Electronic Toll Collection (NETC) on current FY (2019-2020) is 2.5%.* Toll Plazas on National Highways and State Highways to be called as FASTag. 9. Validity: FASTag has a validity of 5 years and after purchasing it, you only need to recharge/ top up the FASTag is a simple to use, reloadable tag which enables FASTag as per your requirement. automatic deduction of toll charges and lets you pass through the toll plaza without stopping for the cash 10. Recharge Limit: For customer whose KYC documents transaction. FASTag is linked to a prepaid account are received, the FASTag Account recharge limit is from which the applicable toll amount is deducted. Rs. 1,00,000. For non-KYC customers, the recharge 7KH WDJ HPSOR\V 5DGLRIUHTXHQF\ ,GHQWLÀFDWLRQ 5),' limit is Rs. 20,000 only. Minimum recharge amount is WHFKQRORJ\ DQG LV DIÀ[HG RQ WKH YHKLFOH V ZLQGVFUHHQ Rs.100/- after the tag account is active. Documents Required for FASTag: FASTag is a perfect solution for a hassle free trip on national highways. FASTag is presently operational at Customer needs to submit the following documents along 600+ toll plazas across national and state highways. More with the application form for FASTag: toll plazas will be brought under the FASTag program in 1. Signed FASTag application form, provided by issuer the future. EDQNZKLFKFXVWRPHUVQHHGWRÀOODQGVXEPLWWRWKH The main objectives to introduce FASTag- bank. It provides an interoperable secure framework capable of 5HJLVWUDWLRQ&HUWLÀFDWH 5& RIWKHYHKLFOH use across the country. It is a simple and robust Framework. ,W LQFUHDVHV WUDQVSDUHQF\ DQG HIÀFLHQF\ LQ SURFHVVLQJ 3. Passport size photograph of the vehicle owner transactions. To serve the sub goal of Government of 4. KYC documents as per the category of the vehicle owner ,QGLD E\ HOHFWURQLÀFDWLRQ RI UHWDLO SD\PHQWV 7R UHGXFH air pollution by reducing the congestion around toll plaza 5. A valid driving license and thus reducing the fuel consumption. To reduce cash 6. Image of Vehicle (Optional) handling and enhance audit control by centralizing user account. How FASTag Works? Key features and functionalities- Step 1: Whenever a vehicle will pass through the Electronic 1. Transaction Type: Off-line; near real time transaction Toll Collection (ETC) lane of the Toll Plaza, the Toll processing as the toll plazas send the transactions Plaza system will capture the FASTag details like within 10 Mins interval. (Tag ID, Vehicle class, TID, etc.) and send it for processing to the acquiring bank. 2. Interoperability: NETC ecosystem supports multiple issuers and multiple acquirers' i.e. Tag issued by any Step 2: The acquiring bank will send a request to the member bank is accepted at all toll plaza (under National Electronic Toll Collection (NETC) Mapper NETC program) acquired by any member bank in a to validate the tag details. safe and secured manner. Step 3: Once the Tag ID will get validated, NETC Mapper 3. Flexibility to choose the underlying payment will respond with details like Tag Status, Vehicle instruments: Customers can link their FASTag to their class, VRN etc. If the Tag ID is not present in existing savings/current account or to a prepaid NETC Mapper, it will respond as the Tag ID is not account basis the offering from the Issuer member registered. banks. For opening a prepaid account it is not mandatory to have an existing relationship with the Step 4: The acquirer host will calculate the appropriate issuer bank. toll fare and initiate a debit request to NETC 4. Tag Issuance: Can be issued by member banks, system after successful validation of Tag ID from authorized for NETC Program. NETC Mapper. 5. Cashless Payment: FASTag facilitates electronic Step 5: NETC System will switch the debit request to the payments at the toll plaza while the vehicle is in respective issuer bank for debiting the account motion. of the customer. 58 *72@dž0> ƣơƣơ Step 6: Now, Issuer host will debit the linked tag holder YDOXH5VFURUHFRPSDUHGWRDWUDQVDFWLRQFRXQW account and send an SMS alert to the tag of 29.01 million and a transaction value of Rs. 658.94 crore holder. The Issuer host will also send the response in September 2019. It has more than 6 million issuance of message to the NETC system. If the response is FASTag since inception. Currently 23 member banks are QRWVHQWZLWKLQWKHGHÀQHG7$7WKHWUDQVDFWLRQ issuing FASTag. FASTag is live on 600+ toll plazas across will be considered as Deemed Accepted. India. Step 7: NETC system will notify the response to the acquirer As per December 2019 data, there are 24 Banks live on host. 1(7& 7KH GDWD VKRZ 7DJ LVVXDQFH LQ QRV Volume (in Mn) – 64.33 and in Amount (in Cr) -1254.84. Step 8: Lastly, acquirer host will notify to respective toll plaza system. From 15th December, 2019, Ministry of Road Transport and Highways has decided to implement FASTag compulsory FASTag Statistics- on all National highway toll plazas due to which the National Payments Corporation of India (NPCI) said that FAStag issuance has increased from 31.46 million in Oct’19 the transaction count of FASTag under the National to 64.33 million in Dec’19. Electronic Toll Collection (NETC) programme has crossed 31 million in October 2019. The vehicle with FASTag doesn't need to stop at toll plazas for cash transactions, Rajeshwari Gangurde saving fuel and time. In October 2019, the transaction Senior Manager & Faculty count of FASTag stood at 31.46 million with transaction BSLU, Mumbai At HRCPC we are trying our level best to come up to the expectations of our Internal Customers i.e. Staff. But sometime the claims/applications get rejected due to the HRCPC following reasons: i. Incomplete application submitted by the employees. At A Glance ii. Complete documents are not attached with the claim. RCPC is the Central Processing Cell of HR-Operations at iii. No checking at the recommending level. H+HDG2IÀFH%DURGDVWDUWHGLQ)HEUXDU\ZLWKWKH purpose of: iv. Delayed approval by the Recommending Authority. 8QLIRUP LPSOHPHQWDWLRQ DQG 3OXJLQ 5HYHQXH v. Date and time in the claim do not match with the Leakage. documents attached. 5HGXFWLRQLQZRUNORDGDW%UDQFK52OHYHO vi. Proper bill for travel by taxi is not attached. 4XLFNSD\PHQWVDVSHUUXOHV vii. Permission from competent authority for travel by taxi / own vehicle is not attached. 6FUXSXORXVDGKHUHQFHWR%DQN·VH[WDQWJXLGHOLQHV viii. Transfer / Posting letter are not attached with the The motto of HRCPC is: Transfer TE/DA claims. Employees are the ‘Internal Customers’. The endeavor is to L[ 6LJQDWXUHVZLWKVHDOLVQRWDIÀ[HGE\WKH%UDQFK+HDG achieve their maximum satisfaction and delight. / Recommending Authority while forwarding Loan At HRCPC, the following claims/applications are processed Applications/TE/DA/LFC/LTC claims. within the minimum TAT to provide the best service to staff: [ &RS\ RI ÀHOG YLVLW GLDU\UHJLVWHU LV QRW DWWDFKHG ZLWK 7('$FODLPV the TE/DA claim for NPA recovery. $OOQRQPRUWJDJHVWDIIORDQV We have observed that a large number of claims remain pending with Recommending Authorities. Zonal / Regional /)&/7&FODLPV HR Heads can play a very important role in getting the (e-mail:[email protected]) pendency cleared from the Recommending Authorities in 7KHSHUIRUPDQFHRI+5&3&LQWKHODVWÀQDQFLDO\HDULVDV their jurisdiction to enable HRCPC to process the same. The under: staff members should also lodge their claims immediately after completion of journey. These points will help HRCPC to serve the staff in a better and faster way. Applications disposed off Staff Loans 7('$ /)&/7& during 2019- 2020 42162 284438 19690 We can serve better provided we receive the claims/ applications complete in all respects in prescribed $IWHU SURFHVVLQJ RI 6WDII /RDQ DSSOLFDWLRQV7('$ 2IÁLQH IRUPDWV GXO\ YHULÀHGUHFRPPHQGHG DORQJ ZLWK UHTXLUHG claims /LFC/LTC claims mail is sent to respective Branches documents. and hard copies of sanction letters/query letters along with relevant papers are dispatched to concerned Regional HELP HRCPC TO HELP YOU RIÀFHVIRUVHQGLQJWR%UDQFKHV Now recently we have started sending messages to N K Chhabra individual staff members for the claims/loan applications Chief Manager (HRCPC) received, queried/sanctioned at HRCPC. Staff members +HDG2IÀFH%DURGD are requested to attend the queries and resubmit the applications/claims to HRCPC for processing. January - March 2020 59 Disability Awareness at Workplace Build Awareness What better way to make our workplace disability friendly than by building awareness? We can help build disability awareness in several ways, including by investing in training. After all, an aware workforce is an empowered one! In order to ensure that all disabled employees are successfully integrated into a workplace, it is vital that all employees are aware that their organization is disabled-friendly. Training sessions and classes will help employers gain Disability Awareness greater insight to how they can help disabled colleagues, which isability Awareness means individual is unique. A culture of is paramount for good workplace D educating people regarding inclusion must be developed by culture. disabilities and giving people the showing understanding and respect Get The Right Equipment knowledge required to carry out towards individual differences. This will a job or task thus separating good ultimately evolve into a harmonious practice from poor. It is no longer work environment desired by every enough just to know that disability organization. discrimination is unlawful. Disability Avoid making assumptions awareness as a skill refers to being mindful of the disabilities of people and managing to communicate and work with them effectively. “Disability awareness in the workplace involves educating both The next step towards making our employers and employees about workplace disability friendly is to get disability. Lack of facility access is the right equipment. Even though D SRRU UHÁHFWLRQ RI WKH HPSOR\HU·V the term ‘equipment’ may be a little attitude towards creating a safe startling, there is no need to panic. environment for differently abled In order to make our workplace individuals. The purpose of awareness disability friendly, we simply need is to create a better understanding WR HQVXUH WKDW RXU RIÀFH GHVLJQ of disability as a whole in respect accommodates everyone. Have of the Employment Equity Act. This As an employer or manager, it is a parking space that can be used can include understanding some imperative that we avoid stereotype and accessed by all employees is of the different types of disabilities impairments and making wrongful D JUHDW SODFH WR VWDUW ,I RXU RIÀFH as well as promoting understanding assumptions that could cloud our has stairs, a great way to ensure our of the impact that language and judgment about someone’s ability to ZRUNSODFHLVGLVDELOLW\IULHQGO\LVWRÀW appropriate etiquette can have perform well. For example, in denying D UDPS %\ ÀWWLQJ D UDPS ZH FDQ in preventing discrimination in the a promotion to someone with a rest assured that wheelchair users will workplace. history of depression, we could be have access. Other equipment that WDNLQJ DZD\ IURP WKH ÀUP RQH RI LWV can help improve accessibility in our How to improve disability awareness best future leaders. workplace includes: as a skill There are some useful tips to improve disability awareness such that the organization has a more harmonious and motivated workforce with PD[LPXPHIÀFLHQF\ Understand that not everyone is the same. 7KH ÀUVW VWHS WRZDUGV improving disability awareness as a skill, in oneself or in others, is acceptance of the fact that every 60 *72@dž0> ƣơƣơ +HLJKWDGMXVWDEOHGHVNV (DVLO\DFFHVVLEOHSOXJVRFNHWV >E,ĝ2G!>1>41ý>2> &RQYHQLHQW DGMXVWDEOH PRQLWRU arms ǜǤǮǨƦNjǤǰdzǤǬǪDZ>1K * &DEOH PDQDJHPHQW LQ RUGHU WR reduce hazards >E,ĝ2G! >1>41 ý>2> ?(*> ơƢ *7.2Ɲ ƣơƢƪ :G ƤƢ ?(:.2Ɲ ƣơƢƪ Focus On Health & Well-Being &!GƦ?/1>*>1K *?1>1>Ɵ1;?/1>*¦2!G4.?Œ:G In order to promote that our :.?)& ,>(Ĝ H:G0@1>(@ 0>Ɲ >4B 0>ƝÉŊ?#!>#?( >2@2*G workplace is disability friendly, it is paramount that businesses focus on Ŋ?4 4>1>1>Ɵ :?/1>*Ŋ&& ŝ!>1?*,>(*2*G7>4@ the health and well-being of their 8>>ĜƠ>1>41ĜK,A2®ŝ&2*GŊ?4ƢơdžƢƢ *72@ƝƣơƣơK employees. Ultimately, a workplace that offers invaluable support and ?Î7GÏ00|,A2®>27:¤0>*:0>2K;>1K *?1>1>ƟЮ&A&;Ɲ encouragement to all employees will ,A2®>2?7&2%>1É0½Ř 4?1>dž help disabled employees perform to the best of their ability, and equally be productive in what they do, which is vital for the success of the business – and we will certainly reap the EHQHÀWV Form A Support Group As well as building awareness within the work place, a great way to ensure that our workplace is disability friendly is to form a support group /K,>4 2GÎ /K,>4(?%GÎ IRU GLVDEOHG HPSOR\HHV VSHFLÀFDOO\ During this support group, disabled employees will be able to voice their concerns and discuss any issues they may be experiencing within the work environment. With this information, RXU EXVLQHVV FDQ ÀQG WKH QHFHVVDU\ solution. Our bank has entered into MOU with SBI Foundation for creation of an enabling ecosystem for *>?:GÎ %>Ř40 4 empowerment of our employees with disabilities. The objectives of the engagement are as under ,GHQWLI\LQJ VXLWDEOH MRE UROHV IRU persons with disability where they can contribute effectively. 3URYLGLQJ DQ HQDEOLQJ ZRUN environment to rediscover their potential and thrive. &UHDWLQJ HTXDO RSSRUWXQLWLHV DQGOHYHOSOD\LQJÀHOG (ÃGÎ %>Ř40GÎ )DFLOLWDWHHPSOR\HHVZLWKSK\VLFDO challenges to demonstrate better performance. ,QFOXGLQJ WKH HPSOR\HHV LQ WKH team to promote cohesive work culture. Deepak Gupta Senior Manager & Faculty, Baroda Academy, Bareilly 2>1,A2GÎ 1,A2GÎ January - March 2020 61 :0> >2 :A¨&>*,A2GÎý>2>K¨#4K*8I,@>8A/>2/ #>EƟ;:0A?X1>ƝH2>1,>41> .WL(>,G:>(0@>(L2> Ƣƨ *72@ƝƣơƣơK:A¨&>*,A2GÎŊ.>)0#@8>>0|K¨#4K* ƣƩ *72@ƝƣơƣơKH2>1,>41#>EƟ;:0A¦X1>ý>2> 8>E,@> >!*?1>1>Ɵ :7:2,2 ,0;>Ð.)7GÎ@1 .WL(> ,G: >(0@ > (L2> ?1> 1>Ɵ : 7:2 ,2 ?*(G8 Ð0A@:A.K) H*ƝË%@? 4>Ð.)@27@ÏÐ>8Ɲ.>)0#@ @.@ B7¿Ɲ@@?*7>:*@)2Ɲ0;>Ð.)@ 1(@,(>2>17 8>>ŊÐ0A@ (*2>1:?;&:0®&®!>- ,§®'&2;GƟ 0;>Ð.)@:@04K4* ,§®'&2;GƟ :,@.@!@0;>?7ü>41Ɲ0A. ý>2>,A®& :0@>>1K * K2,A2GÎý>2> >ē&>>1É0>1K * :,@.@!@0;>?7ü>41Ɲ0A. 0|ƣƪ-272@ƝƣơƣơK®!>-:(®1Ĝ K2,A2GÎý>2>Ř8@*2 *,(0|?:>*Ĝ2Ë>0@%ĜŊ?4Ë>0@% ý>2>,A®&:0@>>1K *?1>1>Ɵ :.H"0|?;(@ƝËG @ ?:>*:¤0>*?*?)?791,2Ë>; >ē&>>1É0>1K * 202>"@,A®&Ĝ½:0@>½ Ɵ:>';@ :.H"0|:,@.@!@ ?1>1>Ɵ :7:2,2 ,GÎ@1Ð.)@: 1Ř0>2?:;Ɲ1 0;>?7ü>41 ½ ?&0>;@ dž,?Î> > Ð> >1 2 , Ð> >1 ý>2> ®!>-:(®1&'>.W@:1>0|?:>* ,§®'&2;GƟ ?70K *?1>1>Ɵ 0A. 4ý>2>0:0 Ë>;.H" >1K * 0A. 4ý>2>0:0 Ë>;ĜŊ?4.H">1K *?1> 1>? :0|.ý>2>0:0 Ë>;ĜŊ?4½ ,;4&'>?7?7) ,>(Ĝ½ >*>2@(@ Ɵ :7:2,2 ,§®'& 4Ð0A@ :1*>2>1%2> BƝGÎ@1Ð0AƝ0A. 0G!ŧK 2GÎ@0&@:A 1>8Gé@Ɲ 0:0 Ð0A@:A8@4Ř0>24>4ƝGÎ@1Ð0AƝ0A. 0G!ŧK01 GÎ@:/G?:;ƝGÎ@1Ð0AƝ0A. 0G!ŧK,?ă0GÎ@.@40@%> ,§®'&2;GƟ 62 *72@dž0> ƣơƣơ NEWS Udupi Region organises Cleanliness Bank's Stall at Paryayotsava of Udupi Drive at Malpe Beach Sri Krishna Mutt On 18th January, 2020 during the Paryaya Festival Manglore Zone arranged Hoardings, stall for donation Udupi Region organised Cleanliness Drive at Malpe receipt centre and published advertisements with Beach near Gandhi Statue on 24th Jan, 2020. Staff regard to our Bank's products in newspaper. The PHPEHUV RI 5HJLRQDO 2IÀFH DQG ORFDO %UDQFKHV executives from HO, ZO & RO participated in the participated in the said drive. festival. Bank also sponsored a cultural programme. Urban Women’s SHG meet organized by Manglore Region ,!*>GÎý>2>®7% %>8A/>2/ Urban Women’s SHG meet was organised at ƣơ -272@Ɲ ƣơƣơ K .§&1>2,A2 8>>Ɲ ,!*> GÎ 0| ®7% % Thokkottu Ullal, Mangalore on 04th January 2020. DRM >8A/>2/?1>1>Ɵ :7:2,2,!*>GÎŊGÎ@1Ð0A Shri Chidananda Hegde and Shri Sandeep Shetty SBM, @0*@9L2>Ɲ ,GÎ@1Ð0A@Ř0>2Ŋ87Ɲ1®!>-:(®1 Ullal branch were present on this occassion. &'>Ë>;% ,§®'&'GƟ Chennai Zone partners with “LULU International Shopping Mall Pvt Ltd” On 16th March, 2020 our Chennai Zone partnered with the renowned “LULU International Shopping Mall Private Limited” for making payments through Baroda DigiNext. LULU Group is based in Kochi, Kerala and owns India’s biggest shopping mall in terms of total area with an average daily footfall of more than 80,000 customers. The company enjoys credit facilities from our CFS Chennai Branch. Head (BCMS) Shri Saurabh Dalmia, Zonal Head Shri R. Mohan, Regional Head (CMR-2) Shri Ramanuj Sharma, Regional Head (CMR-1) Shri K V Chalapathi Naidu, DGM Shri N. Raghavendra and other staff members were present on this occasion. January - March 2020 63 %&Î?(7: Ð)>*>1>41Ɲ.W>H(> >E,>}2G!>1>41Ɲ0A. .@>*G2GÎ />7*2GÎ %&Î?(7:Ŋ7:2,2 ƣƧ *72@ƝƣơƣơK;0>2@ ?7?/þ8>>ĜƠ>1>41Ĝ 0|>1É0>1K *?1> 1>Ɵ?&?7?)1Ĝ:G:.?)& Ř 4?1>Ю&A&; (ÃGÎ dž:,>( /2&,A2GÎ 0G2GÎ /ē GÎ ,A%G 4 (G;>2>(Ä*GÎ 1,A2 4 0G2" 4 (L2GÎ ?78>>,!*0GÎ /@47>#>GÎ 64 *72@dž0> ƣơƣơ ,(>, Gþ?&1> ?7&> ,0;>Ð.) Ř &>4GƝ ;0 *72@dž0> Ɲƣơƣơ Ŋ(L2>*,(Kþ&Ĩ ,0;>Ð.Ŋ L K )ĜK.I.0Ĝ HÎ@½ 2:G;>?(.)> (G&G;2 *Ŋ 74/?71½>0*>2&G;Ɵ Ř >?.1> dž:,>( ;&G;.>)24G&G; :KƝ 7K K.G;( @ ;KƝ ,21>.>)*> ē2@;Hư 8>1(Ř ē2@ @ G >(;@ @4&@;HƝ &K1B* >(2(Ä :GƝ .>)2Ř Ɲ K0*G:K >;HƝ 0A G >?;.:Ř &>4G2Ř >?.1>Ɲ Ř 0/@ŋ(2*> >;&@ĩ @:A.K) H*Ɲ @8KŘ0>2#@0H7>*Ɲ @?77GŘ0>2Aÿ>Ɲ GÎ@1>1>41Ɲ GÎ@1>1>41Ɲ Ð)>*>1>41Ɲ Ř ¦2;>2*> >;&@ĩ_ :A4&>*,A2 0A. 0G!ŧK,B7 .W>H(> 4&>;H0A G.:2Ɲ? K;0;H0G2G?4 7K1Ĝ.)>,W>;HƝ2-ŋ4>:>,W>;H7K K.G>24&>;H0A G 1G *½«17®'>;H? *:G7>®&>;H0G2>Ɲ *> >;&GĨ/@ >8 ;º½&2;0A G/@?04 > Ř &>4|2Ř >?.1> Ř 0/@ŋ(2*> >;&@ĩ Ř ¦2;>2*> >;&@ĩ_ @2>0>*A 80>Ɲ @: @7 L)2@Ɲ @: 1Aÿ>Ɲ GÎ@1>1>41Ɲ >E,ĝ2G!>1>41Ɲ GÎ@1>1>41Ɲ .>7K7ÚƝ .7Ú:G;:ř HþG0G!ŧKdžǑǑ 0A. 2> K! ?'KW>7Ú(G(G0A G.&>? ;27Údž.G7Ú1B;@,2G8>*Ĩ?.*> Ř $Ť$4B2>0:GƝ2Ř >!2-Ō(Ä ?04 >.:Ř &>4G2Ř >?.1> Ř ŋ(2*> >;&@ĩ Ř ¦2;>2*> >;&@ĩ_ >8;K:&>7K:.Ɲ K&A0 >;&G;K >8;K >&>7K:.Ɲ K0 >;&@ĩ ,20&K.Ĩ&Ř >;&@;@*;º @?2@8Ř0>20*8>*@Ɲ @,@!@7|!G8722>7Ɲ #IƟ00A24@þ*Ɲ >;&@ĩ&K.:Ř &>4G2Ř >?.1> Ð)>*>1>41Ɲ Ð)>*>1>41Ɲ,B77&» >E,ĝ2G!>1>41Ɲ Ř ŋ(2*> >;&@ĩ .WL(> ?7 1>. 0A. Ř ¦2;>2*> >;&@ĩ_ Ð@?& >W> ?)>2@Ɲ 4>1>41Ɲ.WL(> #IƟ:A2G8? (.20Ɲ @2> G880>Ɲ @, Î@Ɲ @?(*G8Ř0>2Ɲ 4>1>41Ɲ GÎ@1>1>41Ɲ >E,ĝ2G!>1>41Ɲ >E,ĝ2G!>1>41Ɲ K4>&> K)2> 0A. 0A. January - March 2020 65 Highlights Of Bank’s Financial Results For Q4 & FY 2020 7KH%DQNDQQRXQFHGLWVDXGLWHGÀQDQFLDOUHVXOWVIRUWKHTXDUWHU\HDUHQGHG0DUFKIROORZLQJ the approval of its Board of Directors. The results were announced by our MD&CEO Shri Sanjeev Chadha and Executive Directors Shri Murali Ramaswami, Shri S L Jain, Shri Vikramaditya Singh Khichi and 6KUL$MD\..KXUDQDDWDYLUWXDO3UHVV$QDO\VWV 0HHW+LJKOLJKWVRIWKHUHVXOWVDUHSUHVHQWHGEHORZ (GLWRU Quarterly Results Annual Results Particulars Q4 FY 19 Q4 FY 20 % Change FY 19 FY 20 % Change Interest Income 18,698 -0.21 Interest Expenses 12,264 11,900 48,532 2.99 Net Interest Income (NII) 5.02 6.90 Non-Interest Income 2,865 2,834 -1.08 Operating Income (NII + Other 9,338 9,632 3.15 9.56 Income) Operating Expenses 4,512 -23.21 0.83 of which, Employee Cost 3,338 1,954 -41.46 9,342 -6.12 2SHUDWLQJ3URÀW 3,462 5,121 16,545 19,691 19.01 Total Provisions (other than tax) and 10,619 6,844 -36 22,398 21,493 -4.04 contingencies of which Provision for NPA 10,368 3,190 -69.23 16,405 3URÀWEHIRUH7D[ - -5,853 -1,802 - Provision for Tax -2,230 - 2,486 -2,348 - 1HW3URÀW - -8,340 546 - BUSINESS TXDUWHURIWKHSUHYLRXVÀQDQFLDO\HDUWKXVLQFUHDVLQJ E\ 'RPHVWLF&$6$GHSRVLWVUHJLVWHUHGDJURZWKRI Y-o-Y. Share of CASA deposits to total domestic 1HW,QWHUHVW,QFRPHGXULQJ4)< 1,, LQFUHDVHGWR GHSRVLWV LPSURYHG WR DV RQ 0DUFK ,15 FURUHDQLQFUHDVHRIRQD<R<EDVLV IURP GXULQJ WKH VDPH TXDUWHU RI SUHYLRXV led by decline in interest expense. ÀQDQFLDO\HDU *OREDO 1,0 GXULQJ 4)< LQFUHDVHG WR IURP 'RPHVWLF'HSRVLWVVWRRGDW,15FURUHDVRQ DQG GRPHVWLF 1,0 LQFUHDVHG WR IURP 0DUFKXSE\IURP,15FURUHDV 2.68%. on December 31, 2019. ASSET QUALITY 'RPHVWLFDGYDQFHVVWRRGDW,15FURUHDVRQ )UHVKVOLSSDJHIRUWKHTXDUWHUZDVDW,15FURUH 0DUFKZKLFKZDV,15 FURUHDVRQ Provision for NPAs was at INR 3,190 crore for the December 31, 2019. quarter. 7KHUHWDLOORDQSRUWIROLR H[SRUWIROLRSXUFKDVH RIWKH *URVV13$ *13$ LV,15 FURUHDVRQ0DUFK Bank grew by 16.05%. FRPSDUHGWR,15FURUHDVRQ'HFHPEHU 0RGLÀHG GXUDWLRQ RI $)6 LQYHVWPHQWV DV RQ 0DUFK 31, 2019. GNPA ratio is 9.40% compared with 10.43% ZDV0RGLÀHGGXUDWLRQRI+70VHFXULWLHV as on December 31, 2019. ZDVDQGRIWRWDOLQYHVWPHQWZDV 1HW 13$ UDWLR LV DV RQ 0DUFK IURP 4.05% as on December 31, 2019. 7KH%DQN·V7RWDO%XVLQHVVVWRRGDW,15FURUH DVRQ0DUFKXSE\IURP,15 3URYLVLRQFRYHUDJHXQGHU1&/7DQG1&/7OLVWZDV crore as on December 31, 2019. DQG UHVSHFWLYHO\ OPERATING PERFORMANCE CAPITAL ADEQUACY 7KH2SHUDWLQJ3URÀWGXULQJ4)<LQFUHDVHGWR,15 &DSLWDO$GHTXDF\5DWLRRIWKH%DQNVWRRGDW 5,121 crore as against INR 3,462 crore during the same and CET-1 at 9.44 % as on March 31, 2020. 66 *72@dž0> ƣơƣơ >E,>}2G!¨.0 Corporate Album Ð)>*>1>41Ɲ.WL(>0|?7Ć?;(@ ?(7:>1K * Ƣơ *72@ƝƣơƣơKÐ)>*>1>41Ɲ.WL(>0|?7Ć?;(@ ?(7:Ŋ7:2,2ǁ?7¬7Y4,2?;(@Ŋ.X&G(0ǂ?791 ,2?7 >2KĈ@>1K *?1>1>Ɵ :>1É0½1&> ;0>2G>1,>4?*(G8@8>?&4>4 H**G½Ɵ>1É0Ŋ 0A1?&?'7¦2Ĉ ,@:?)>2@2Ð1>&4GƝ ?7&'>:0> dž:G7@@Sŋ:2T>?4(Ɲ,A?4:0;>?*2@Ɲ 0;>2>ćŧ,A?4: 2;GƟ : 7:2 ,2 ,A?4: 1AÚƝ .WL(> @*A,0?:;;4K&Ɲ0;>Ð.)ƙ0A1:071*ƚý1@.@2,!G47@2K?;&,!G4Ɲ0;>Ð.)ƙ,¦2 >4*7:G7>ƚ@Ŋ2*K? 1> :?;&1>1,>4%/@ ,§®'&2;GƟ ;0(>.>(0|)@*®'?7)>*:?0?&Ɲ2>1:/>>(L2> ;0(>.>( 0| ?(*> ƣƣ *72@Ɲ ƣơƣơ K )@*®' ?7)>* :?0?&Ɲ 2>1 :/> ý>2> (L2> ?1> 1>Ɵ :?0?& ý>2> ;0(>.>( 8;2 Ŋ ?&,1 ,É0Ĝ 7 .Ĝ ½ 0K.> 4 .?Œ 4G*(G* :.)@ ,¦2 >4*>0 ?(8>?*(}8Ĝ &'> Ð>?)ŝ& /A&>* Ð%>4@ Ŋ ,1K :G ? :-4 4G*(G* Ŋ ?4 ?&,B?& ,2 ?7 >2 ?708 ?1> 1>Ɵ : .H" 0|. > Ð?&?*?)7 >1,>4 ?*(G8 @0A24@2>0>®7>0@ý>2>?1>1>Ɵ:>';@Ɲ :7:2,2I,ĝ2G!>1>41Ŋ0;>Ð.)@8H4|Ï?:;Ɲ;0(>.>(½ 4Ð0A@0&@ *> ,>#G1ƝÐ0Aƙ2> />9>7::(@1:?0?&ƚ@2K8*80>717¦2Ĉ>1,>4% ,§®'&'GƟ ::?0?&Ŋ;0(>.>((L2G:G:.§)&:1K * >>1Ð)>*>1>41Ɲ.WL(>7 4>1>41Ɲ;0(>.>(Ŋ:071:G?1>1>Ɵ 1,A20|?4 />2&@1:G?0*>2>1K * Ð)>*>1>41Ɲ.WL(>ý>2> 1,A2 4Ŋ:;1K:Gơƨ-272@ ƣơƣơK 1,A20|ǁ/>2&KƦ?!ŧ?41*#I42½'«17®'> .*>*G0|:>7 ?*GÎŊ.Ĝ½/B?0>ǂ?791,2?4/>2&@1 :G?0*>2>1K *?1>1>Ɵ :7:2,2>1,>4?*(G8 @8>?&4>4 H*Ɲ2> ®'>*?7Ć?7ü>41Ŋ'8>ď?7/>Ŋ 1#IƟ:::K02>Ɲ 4Ð0A@0:0;*K&ƝÐ)>* >1>41Ɲ.WL(>ŊÐ0Aƙ2> />9>7::(@1:?0?&ƚ@2K8* 80> &'> />2&@1 ¦2 7. :?;& ?7?/þ .Ĝ Ŋ 4/ Ʃơ Ð?&/>@ ,§®'&'GƟ January - March 2020 67