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Dare to Lead

Dare to Lead
The Transformation of Bank of Baroda

First Edition
Critical Acclaim

August 2016 | 454 pages | SAGE Publications Pvt. Ltd
Dare to Lead is the fascinating story of how Anil K. Khandelwal transformed Bank of Baroda (BOB) from being just another public sector bank into one of the most valuable brands in Indian banking.

This is the story of the leadership challenges, management solutions and personal and professional excitement the author experienced in transforming the 97-year-old bank into a modern, tech-savvy, customer-centric bank.

This book is an excellent blueprint for undertaking transformation in large, geographically dispersed public sector enterprises. It describes how a large-sized bank was transformed on all parameters with clear vision, execution discipline, customer centricity and people engagement.

The author emphasizes that large-scale transformation can be undertaken successfully only if the CEO shows courage to change the status quo and mobilize the human effort within the organization.

The story of BOB's transformation has captured international attention and finds its mention in Harvard Business Review, Human Resource Development International and the book The India Way by the Wharton School faculty.

Foreword Peter Cappelli
Public Sector Banks: An Overview

The Beginning of a Long Journey

Seed Time

A Jobless Job

An Affair with Operations

Walking on Fire

Travails of Co-Leadership

Dena Bank: My First Brush with Leadership

Return of the Native

First 100 Days

Rowing Together

Crafting the Future

Communication for Action

Engine of Growth: Building Human Capital

Engaging the Foot Soldiers

Dealing with Unions

Rebranding: From Plastic Surgery to DNA Change

Innovating for Customers

Connecting with Customers

Romancing with Retail

Technology on Roller Coaster

Back to Basics

Creating India's International Bank

Reshaping the Roots

Rebirth of a Branch

Working with the Board

Celebrating the Glory

Last 100 Days


My Leadership Code


Khandelwal's Leadership: An Academic Perspective

Pradip Khandawalla

A personal tale from a very wise man; I was captured and captivated.

Tom Peters
Co-author of In Search of Excellence

This is a marvelous read for those charged with transforming their organizations. The stories do a masterful and magic job of weaving together themes like vision, discipline, accountability, customer centricity, transparency, employee engagement, and meaning. I strongly recommend the book.

Dave Ulrich
Professor, Ross School of Business, University of Michigan, USA

A very lucid journey of a successful leader and a public servant. Khandelwal`s eighteen leadership lessons crystallized from 37 years of experience are inspiring for future generation of Leaders.

Ram Charan
Co-author of Execution and The Game-Changer

Anil Khandelwal`s insider account of the transformation of a bank in India is not only a practical case study of leadership in action; it is a guide to the challenges of success in emerging markets that will be valuable for global managers of the future.

Rosabeth Moss Kanter
Professor at Harvard Business School, USA, Author of Confidence and Supercorp

This book is a detailed analysis of the transformation of a bank which is today third largest public sector bank in India and very fascinating and inspiring life of Mr Khandelwal.... It’s a must read for all who dare to lead


Dare to Lead, is a book definitely worth reading…[This book] brings out the trials, tribulations, dilemma and apprehensions of khandelwal as he embarks on his ambitious journey. What is noteworthy is that the changes were brought about by khandelwal who was not a traditional career banker but an HR professional…Both the academicians and the professionals will find this book on leadership and management useful.

Business India

Complex issues of managing a large government-owned corporation are captured in the book… This is an important book for many reasons. It gives us a perspective of the constraints under which our public sector works…It tells us a story of what is possible  within this constrains...It tells us the human side of banking…Khandelwal’s style is simple and straight, almost reducing the book to a guide-book for public sector bankers.


The autobiography of Bank of Baroda’s ex-chief is riveting…In Dare to Lead, Anil Khandelwal shows how Bank of Baroda or BoB, got a handle on the human aspects of running a bank much better than other public sector banks, or even the private ones.

Business Today

The book, a written account of [the author’s] varied experiences from his career-long journey; it has 18 lessons, and is a rare case study for CEOs, an insightful study for students and scholars, and a motivational piece for other PSUs

The Hindu

It’s often said that the experience of reaching a destination is more interesting than the destination itself. The same holds true for this book… It’s a must read for human resource managers… the book broadly deals with challenges that a leader faces while bringing about changes in a large corporation. There are a number of things to learn from them. I found the recounting of the journey to reach the top more interesting. On the whole, the book has innumerable pearls of wisdom for a reader.

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ISBN: 9788132111016