From April 1, 2019, things have become much bigger for the public sector Bank of Baroda (BoB). The merger of Vijaya Bank and Dena Bank with BoB, has catapulted BoB to becoming the second largest lender in the public sector after the State Bank of India and the third largest overall after SBI and HDFC Bank. In the public sector, Punjab National Bank was so far the second largest bank.