One pivotal idea that BoB was focussing upon was developing each branch of the bank as a self-defining entity, BoB chairman and managing director K Kannan said.

Each branch would structure its own competence by emphasising its strengths and correcting its weaknesses, based on its own local perspective, he said.

"Each branch is an entity on its own and has to compete with other branches of BoB simultaneously as with branches of other banks", he said different branches of the bank may be given different operating timings, to optimise business, depending on the nature of the locality.