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Dr. Debadatta Chand, Managing Director and CEO, Bank of Baroda, participated in a panel discussion at the Mint Annual BFSI Conclave 2025 - Finance’s Next Frontier, alongside industry leaders and policymakers to discuss India’s evolving financial ecosystem and growth priorities. In his remarks, Dr. Debadatta Chand highlighted the need to expand credit penetration for broad-based economic growth. “Credit is the main driver of the economy. India's credit to GDP ratio is at around 55%, and as the country aspires to meet its 2047 ambitions, we must lift credit penetration to 60-65%. Public sector banks will continue to play a pivotal role, across agri, MSME, and corporate lending. We are seeing demand in the economy. The cut in GST rates has lifted consumer demand, which will translate into investments. As a bank, we are bullish about the economy and we look forward to continuing to play a very large role.” On the digital front, Dr. Chand noted that cybersecurity is the most material risk for the BFSI sector, driven by rising customer-level vulnerabilities, and stressed the importance of coordinated action to strengthen digital trust and financial resilience. “Banks are in a sweet spot. However, the real challenge for the entire banking industry is cyber risk. While banks’ internal systems to deal with cybersecurity have strengthened considerably and are on par with global standards, the concern is at the consumer end. Hence, there is a huge focus within the industry in protecting customers from frauds.” Watch the full discussion: https://www.youtube.com/live/151r1Hft_4Q?si=yyIBFCCMEYSPWGg1 #BankofBaroda #MintBFSIConclave #FinanceLeadership #CreditGrowth #MSMEFinance #CyberSecurity #DigitalTrust #IndiaGrowth

The State Level Bankers' Committee (SLBC), Uttar Pradesh, conducted its review meeting for the quarter ending September 2025 on December 10, 2025. The meeting was held under the chairmanship of Shri Lal Singh, Executive Director, Bank of Baroda and Chairman, SLBC Uttar Pradesh. The meeting witnessed the participation of Dr. Sarika Mohan (IAS), Director General, Directorate of Institutional Finance, Government of Uttar Pradesh; Shri Pankaj Kumar, Regional Director, Reserve Bank of India; Shri Masoom Ali Sarwar (IAS), Secretary, Planning Department, Government of Uttar Pradesh; Shri Sameer (IAS), Special Secretary, Finance Department, Government of Uttar Pradesh; Shri Pawan Kumar (IPS), Deputy Inspector General, Cyber Crime; Shri Pankaj Kumar, Chief General Manager, NABARD; Shri Shailendra Kumar Singh, General Manager and Convener, SLBC Uttar Pradesh; Shri Mithilesh Kumar, General Manager and Zonal Head, Varanasi Zone; along with several senior officials from Central and State Government bodies and various banks. In his address, Shri Lal Singh, Executive Director, Bank of Baroda, urged all banks to extend full cooperation in the effective implementation of various schemes sponsored by the Central and State Governments. The committee carried out a comprehensive review of government-sponsored schemes and discussed a strategic action plan aimed at strengthening the contribution of banking institutions to the economic development of Uttar Pradesh. #BankofBaroda #SLBCUP #BankingSector #UPDevelopment #GovernmentSchemes #FinancialInclusion #EconomicGrowth #BankingInitiatives #BarodaHouse #UPBankingReview

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Shri Sanjay Vinayak Mudaliar, Executive Director, Bank of Baroda, participated in the ET NOW BFSI Leadership Summit 2025, where he shared his perspective on ‘The Trust-Tech Balance for Tomorrow’s Institutions’. He emphasized: 1. “As banking moves from the familiarity of a branch to faceless digital journeys, building the same comfort and confidence amongst customers is essential. The industry is currently in a transition phase.” 2. “At Bank of Baroda, we are taking a hybrid approach — combining our Relationship Manager model with AI-enabled chatbots. This approach ensures instant service, builds customer trust, as well as gives us real-time customer feedback to keep improving.” 3. “Two priority areas for us are: 1) Upskilling staff, and 2) Educating customers. Digital is no longer optional — but it must come with strong guardrails.” Bank of Baroda remains committed to driving a secure, customer-first and technology-enabled future for the banking industry. #BankofBaroda #BFSILeadershipSummit2025 #ETNOW #DigitalBanking #CustomerFirst #TechTransformation #AIinBanking #FutureofBanking #LeadershipInsights

Under the Government of India’s Your Money, Your Right campaign, Bank of Baroda has guided Mr Lalit Daftari and Mrs Rinku Daftari to recover ₹3.25 lakh from their Unclaimed Deposit Account through the UDGAM Portal. Reaffirming our commitment to returning unclaimed deposits to the rightful owners. #YourMoneyYourRight #UDGAMPortal #BankofBaroda #CustomerFirst #FinancialAwareness #UnclaimedDeposits #GovtofIndia

Bank of Baroda partnered with the Government of Nagaland for the Hornbill Festival 2025 held from 1st to 10th December 2025 at the Kisama Heritage Village, near Kohima. Dr. Debadatta Chand, Managing Director & CEO, Bank of Baroda, and Ms. Beena Vaheed, Executive Director, Bank of Baroda also participated in Hornbill Festival and were felicitated as special guests during the Hornbill Festival on 6th December. An Engagement Stall of Bank of Baroda was inaugurated by Shri Temjen Imna Along, Hon’ble Minister of Tourism & Higher Education, Government of Nagaland, in the presence of Dr. Chand and Ms. Vaheed. Shri Nchumbemo Lotha, Secretary, Tourism and Cabinet Cell; Shri Toka E. Tuccumi, Joint Director, Tourism Department; and Shri Shiba Pada Nayak, Zonal Head, Bank of Baroda, Guwahati Zone were also present. Dr. Chand and Ms. Vaheed also paid a courtesy visit to Shri Sentiyanger Imchen, IAS, Chief Secretary, Government of Nagaland, and discussed avenues to deepen the Bank’s engagement in the North East through enhanced Financial Inclusion. Managing Director & CEO and Executive Director committed to expanding Bank's footprints in Nagaland while reviewing business of the Bank. #BankofBaroda #HornbillFestival2025 #Nagaland #NorthEastIndia #CulturalTourism #FinancialInclusion #DigitalBanking #TourismLedGrowth #CommunityDevelopment #InclusiveGrowth #LeadershipEngagement

Bank of Baroda, Navi Mumbai Regional Office, under the guidance of the Mumbai Zone, successfully organised a large-scale MSME Customer Outreach Programme on 4th December 2025, engaging over 150 MSME customers and entrepreneurs to explore new business opportunities. The event was graced by the esteemed presence of Shri Lal Singh, Executive Director, Bank of Baroda; Shri Madhur Kumar, Chief General Manager, MSME Banking, Co-lending & SCF; Shri Sunil Kumar Sharma, General Manager & Zonal Head, Mumbai Zone; and Shri Manish Kumar Sinha, Assistant General Manager & Regional Manager, Navi Mumbai Region, along with senior officials of the Bank. During the programme, Bank officials held focused interactions with select MSME customers from all six regions of Mumbai Zone, discussing future collaboration and customised financial solutions. #BankofBaroda #MSME #MSMEOutreach #MSMEBanking #CustomerEngagement #BusinessGrowth #FinancialInclusion #DigitalBanking #MumbaiZone

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आज देश के बैंकों में हमारे नागरिकों का 78,000 करोड़ रुपये बिना दावे के पड़ा है। हमें नहीं पता कि यह पैसा किसका है, यह यूँ ही पड़ा है। बीमा कंपनियों के पास 14,000 करोड़ रुपये हैं, म्यूचुअल फंड्स के पास 3,000 करोड़ रुपये हैं। डिविडेंड में 9,000 करोड़ रुपये पड़ा हुआ है। और यह सारा पैसा बिना दावे के पड़ा है। यह पैसा गरीब और मध्यम वर्ग के लोगों का है और यह सरकार यह पता लगाने की कोशिश कर रही है कि यह पैसा किसका है, क्योंकि हम इस पैसे के असली मालिक का पता लगाना चाहते हैं। हमारी सरकार देश में इस धन के मालिको इसके मालिकों तक वापस पहुंचाने का प्रयास कर रही हैं। अब तक, इस पैसे के मालिकों की पहचान के लिए लगभग 500 जिलों में विशेष शिविर लगाए जा चुके हैं और हमने उन्हें कई हज़ार करोड़ रुपये वापस किए हैं। साथियों, यह सिर्फ एसेट की वापसी का मामला नहीं है। यह विश्वास का मामला है। यह जनता के विश्वास को निरंतर हासिल करने की प्रतिबद्धता है। और जनता का विश्वास ही हमारी सबसे बड़ी पूंजी है। अगर गुलामी की मानसिकता होती तो सरकारी मानसिकता हावी होती और ऐसे अभियान कभी नहीं चलते। माननीय प्रधानमंत्री श्री @narendramodi #GovtOfIndia #DFS #BankofBaroda

Bank of Baroda inaugurated its new Zonal Office premises in Guwahati on 5th December 2025, strengthening its presence across the North Eastern states and enhancing administrative efficiency. The new Zonal Office was inaugurated by Dr. Debadatta Chand, Managing Director & CEO, Bank of Baroda in the presence of Ms. Beena Vaheed, Executive Director, Bank of Baroda, and Shri Shiba Pada Nayak, Zonal Head, North Eastern States, along with senior officials of the Bank. The Bank also extended support to special children at Kalyani Niwas and Ashneer Home, reinforcing its commitment to inclusion and community welfare. #BankofBaroda #NorthEast #FinancialInclusion #RegionalDevelopment #Guwahati #NewBeginnings