Bank of baroda

Sl. No.
Industry/Activity
Industry / Activity Cap
(Rs. in Millions)
8.
Infrastructure such as Power Generation (only for conventional sources
i.e. Thermal, Hydro & Nuclear), Power Non-Generation (i.e. Electricity
Distribution, trading, etc.), Ports/ Airports, Roads /Bridges, Telecom,
Water Projects, Urban Infrastructure, Sewage, irrigation, sanitation,
other public facility, etc.,
150,000
With Sub Limits for Infrastructure as under
8.A
Infrastructure – Power Generation (only for conventional sources
i.e. Thermal, Hydro & Nuclear)
(*40,000)
8.B
Infrastructure – Power Non-Generation (i.e. Electricity Distribution, trading, etc.).
(*25,000)
8.C
Infrastructure – Ports/ Airports
(*30,000)
8.D
Infrastructure – Roads & Bridges
(*10,000)
8.E
Infrastructure – Telecom.
(*30,000)
8.F
Other Infrastructure – Water Projects, Urban Infrastructure, Sewage, irrigation,
sanitation, other public facility, etc.,
(*15,000)
9.
Film Financing
2,500
10.
MIBOR linked advances
20,000
11.
Bridge Loan to Companies
750
12.
Baroda Desh Videsh Yatra Loan
250
Fair Practices Code
In accordance with guidelines of the RBI, we have adopted a Fair Practices Code setting out standards of fair banking
practices to be observed by all of our branches.
Credit Appraisals/ Credit Risk Assessment Methodology
We have a robust credit appraisal methodology in appraising credit proposals. We have in place a credit rating system
for assessing credit risk in commercial lending. Our rating system has two models: (i) a comprehensive credit rating
model for exposure over Rs. 100 million; and (ii) a smaller credit rating model for exposure of Rs. 2.5 million to less than
Rs. 100 million. Both the rating models have eight grades. As a policy matter, we entertain fresh proposals with credit
ratings of ‘BBB’ (moderate safety) and above. Our rating exercise is carried out on a half yearly basis for accounts having
exposure of Rs. 50 million and above.
In addition to minimum entry level in credit rating system, we have in place a credit approval system. All proposals falling
under the powers of corporate office pass through credit approval department, which is headed by a General Manager.
Similarly, we have a scoring model for assessing credit risk in the retail lending segment. We have five scoring models:
Housing Loan; Car Loan; Personal Loan; Educational Loan and Traders Loan.
Post-Sanction Monitoring of Loans
The success of a business of providing credit and loan products relies heavily on effective and timely monitoring and
supervision of loans granted. In addition to our risk management systems that identify and set individual/group limits
based on credit quality and sectoral limits as per RBI guidelines, we also have in place a complete and effective post-
sanction follow-up system that monitors and tracks the status of loans and other credit facilities once granted. The follow-
up system reviews and interprets information and data that identifies potential increases in credit risks and allows us to
deal with such credit exposures in a timely manner.
Our post-sanction follow-up systems can be categorized into five fields:
Periodic Review;
Post-Sanction Reporting;
Periodic Inspection of Securities;

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