Bank of baroda

Delivery Channels and Accessibility
Our customers, whether they be located in metropolitan or rural areas can access a range of delivery methods to take
advantage of our products and services. These include access to physical branches, ATMs, telephone banking and the
Internet. These channels allow customers to access information about their accounts and use banking services 24 hours
a day, seven days a week.
As of November 30, 2005, we had 525 ATMs in 190 cities. We plan to add another 500 ATMs by December 2005 and
anticipate that these ATMs will be equipped with the capacity to provide value added services such as bill payment
services. We were among the 17 banks to join the National Financial Switch (NFS) set up by the Institute for Development
and Research in Banking Technology in August 2004. Cardholders of other banks, who are members of NFS, can use
our ATMs, and vice versa. Our cardholders can currently access 5,380 ATMs connected to NFS under this arrangement.
Additionally, the global network of over 850,000 Visa ATMs is available to our cardholders.
Under the BARODA OMNI umbrella, we provide centralized telephone banking, computer banking and “any branch
banking”. BARODA OMNI is currently operational in seven cities (Chennai, Bangalore, Hyderabad, Pune, Mumbai,
Ahmedabad and Delhi) and covers over 305 branches. This product has been awarded “Honourable Mention in Best in
Remote Banking Award-2001” by Micro Banker Online Magazine of USA and we continue to develop the range of
services offered under BARODA OMNI.
Information on customer accounts is also available by Internet at our website www.bankofbaroda.com, and short messaging
service (“SMS”) for those who need ready access to account details. Customers are able to obtain a single view of their
accounts across various branches, summary account histories and send cheque book requests via the Internet or mobile
telephone. The facility is offered to customers of 585 branches across 139 cities
We provide a multi city cheque facility at 201 branches in 16 cities to our current account holders maintaining a balance
of over Rs. 50,000 per account. Under this facility, special cheques are issued by the customers of the Bank to their
clients which are payable at par like local cheques at the multi city cheque centres of the Bank.

---

65
Further, as of November 30, 2005, we had established 362 8 a.m. to 8 p.m. branches.
We intend to increase the number of delivery channels to provide total customer centricity for our customers including:
Installing Electronic Data Capture, which are similar to merchant terminals. We intend to deploy EDCs in areas
where ATM networking is not possible. EDCs are cheaper to install and run than ATMs;
Offering prepaid cards for students, travellers and pensioners so that their cash requirements when on travel be
met instantly;
Offering bill payment services through public call offices and mobile telephones through C-sam, which will allow us
to establish relationships with mobile telephone service providers;
Offering multi-city cheque facilities in all networked branches;
Offering instant funds transfer across debit card leased line connected branches and making such funds available
through ATMs, branches, NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement) and
SFMS (Structured Financial Messaging System);
Offering cheque truncation, an image-based clearing system; and
Offering NEFT in all networked branches.