Dena Bank's capital adequacy ratio stood at 10.1% on 30 September, Vijaya Bank's at 13.56% and Bank of Baroda's at 11.88%. The branch network of the combined entity will be close to 9,500. While Dena Bank has been placed under the prompt corrective action framework by the Reserve Bank of India, with restrictions on lending, Vijaya Bank is among the only two state-run lenders to have reported a profit in 2017-18.