M.D. Mallya, Chairman & Managing Director, Bank of Baroda
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The Indian banking sector is grappling with heightened risks and profitability has taken a hit. Even in this tough operating environment, however, some have outperformed others. The 2012 BT-KPMG Best Banks Study brings you the cream of the crop.

M.D. Mallya

Bank of Baroda, led by Chairman & Managing Director M.D. Mallya, retained its top position among large banks in the 2012 BT-KPMG Best Banks Study. The bank also bested its state-owned and private sector peers in three sub-categories: growth, productivity & efficiency, and consistent performance (where it shares the top honours with Axis Bank). During the last financial year, Bank of Baroda posted the highest growth in deposits, at 26 per cent, among all banks. Its cost-to-income ratio was at 0.37, the lowest in the industry.
PHOTO: Rachit Goswami
India's Banks Best 2012
The Indian banking sector is coping with an increasingly risky environment after four years of the global financial crisis. Even as pinstripe-clad bankers tighten their belts, Business Today and KPMG together raise the annual toast to the best in the industry.
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RBI Governor D. Subbarao discusses the state of the banking industry and its future challenges.
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