Bank of baroda

Credit Rating of the account
Maximum single borrower
Maximum single borrower
exposure ceilings
exposure ceiling for infrastructure
AAA, AA, A
15% of capital funds
20% of capital funds
BBB
12.5% of capital funds
17.5% of capital funds
Below BBB
10% of capital funds
15% of capital funds
With respect to sectoral exposure, our policy is that the exposure to any of the sectors should not exceed at any point of
time the below mentioned caps or 10% (or 20% as indicated by an ‘*’ in the below table) of our total global credit as at
the end of the previous quarter, whichever is lower.
The monetary caps in respect of various industries / sectors are provided below.
Sl. No.
Industry/Activity
Industry / Activity Cap
(Rs. in Millions)
1.
Gems & Jewellery (including diamond)
15,000
2.
Residuary NBFCs promoted by State/Central Government engaged in
financing infrastructure projects
20,000
3.
Leasing, Hire Purchase, Non-Financing Companies, NBFCs other than
State/Central Government NBFCs.
8,000
4.
Real Estate Advances (with sub limit as under):-
*100,000
4.A
Housing loan (Residential Mortgage)
(*50,000)
4.B
Commercial Real Estate including Hotels/Cold Storage/ Warehouse etc.
(*15,000)
4.C
Mortgage backed Rated Securities (Residential and Commercial)
(*15,000)
4.D
Indirect Exposure – Housing companies
(*20,000)
5.
Chemicals – Fertilisers
(Financing/taking additional exposure in Naphtha based units is
to be generally discouraged)
20,000
6.
Sugar Industry
10,000
7.
Capital Market (for domestic advances)
10,000
With Sub-Limit for :
- Advances for PSU Disinvestment (subject to a max. of Rs.1,000 million
(5,000)
for any single PSU disinvestment)
- Advances to stock brokers/market makers, Margin Trading
(1,000)
(these cases are to be considered at Corporate Centre level)
- Others
(5,000)

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