Business Overview

Business Hierarchy Structure for Bank of Baroda

• Bank of Baroda
  • Treasury
    • Investment Portfolio
    • Foreign Exchange Contracts
    • Derivative Contracts
  • Corporate / Wholesale Banking
    • Lending to Borrowers (Exposure >= 7.5 Crores)
  • Retail Banking
    • Borrower Accounts (Exposure <= 7.5 Crores)
    • Personal Loans
    • Auto Loans
    • Retail Gold Loan
    • Pension Loan
    • Home Loan Top-up
    • LABOD
    • Agri Portfolios
    • Digital Banking
      • Bob World UPI QR
      • Sound Box initiative
      • Debit Cards
      • ATM
      • Internet Payment Gateway (IPG)
      • bob Pay
      • WhatsApp Banking
      • Digital Banking Units
      • Digital Lending Platform
  • Other Banking Operations
  • MSME Initiatives
    • Baroda Smart OD
    • Digital Mudra Loans
    • MSME Renewals
  • Agri Initiatives
    • Digital Gold Loan
    • End-to-end digital solution for onboarding to disbursement
  • Wealth Management
    • SMARTINVEST
    • SMARTINSURE
  • Digitization Initiatives
  • Baroda Cash Management Services
  • Risk Management and Compliance
    • Credit Risk
    • Market Risk
    • Liquidity Risk
    • Interest Rate Risk in the Banking Book (IRRBB)
    • Operational Risk
    • Compliance Function
    • Internal Audit
    • Credit Monitoring
  • Sustainability, ESG and Climate Risk
  • Human Resources Management
  • Marketing
  • Government Business
  • Domestic Subsidiaries and Joint Ventures
    • BOBCARD Limited
    • BOB Capital Markets Ltd.
    • Baroda Global Shared Services Ltd.
    • Baroda Sun Technologies Ltd.
    • IndiaFirst Life Insurance Company Ltd.
    • India Infradebt Limited
    • Nainital Bank Limited
    • Baroda BNP Paribas Asset Management India Pvt. Ltd.
    • Baroda BNP Paribas Trustee India Pvt. Ltd.
  • International Banking
  • Foreign Exchange Business