Mumbai, April 2 -- On Monday, Bank of Baroda (BoB) became India's third largest lender, with the merger of Vijaya Bank and Dena Bank with itself. The consolidated entity has deposits worth Rs.8.75 trillion and advances of Rs.6.25 trillion. BoB now has more than 9,500 branches, 13,400 ATMs, and 85,000 employees to serve 120 million customers. P.S. Jayakumar, managing director (MD) and chief executive officer (CEO) of the combined entity, believes it will take 12 months for the merged entity to stabilize. Edited excerpts from an interview:...