Bank of baroda

(Rs. in million)
Name of
Exposure
% of Total
% of Capital
Industry/Sector
Classification
Account
Global
Funds
Exposure
Borrower 1
23,306.4
3.97
38.35
Food Credit
Standard
Borrower 2
12,270.0
2.09
20.19 
(1)
Infrastructure Finance
Standard
Borrower 3
11,520.8
1.96
18.95
Banking & Finance
Standard
Borrower 4
10,069.0
1.71
16.57
Housing Finance
Standard
Borrower 5
8,572.6
1.46
14.81
Residuary NBFC
Standard
Borrower 6
8,086.0
1.38
13.97
Engineering
Standard
Borrower 7
7,724.2
1.32
13.34
Infrastructure Finance
Standard
Borrower 8
6,500.0
1.11
11.23
Telecom
Standard
Borrower 9
6,181.0
1.05
10.17
Telecom
Standard
Borrower 10
6,169.3
1.05
10.15
Banking & Finance
Standard
Total Global
Exposure 
(2)
(587317.57) 
(2)
(1)
Necessary approval for exceeding the exposure norms has been accorded by the Board vide resolution no. A-4
dated 24-7-2005.
(2)
This includes net advances, guarantee given on behalf of constituents, acceptance, endorsement and other obligation,
non-SLR domestic securities and investments outside India.
Top 10 borrowers as on September 30, 2005:
(Rs. in million)
Name of
Exposure
% of Total
% of Capital
Industry/Sector
Classification
Account
Global
Funds
Exposure
Borrower 1
24,285.8
3.65
39.97
Food Credit
Standard
Borrower 2
11,772.4
1.77
19.37
Infrastructure Finance
Standard
Borrower 3
9,991.4
1.50
16.44
Banking & Finance
Standard
Borrower 4
9,666.9
1.45
15.91
Housing Finance
Standard
Borrower 5
8,347.7
1.25
13.74
Banking & Finance
Standard
Borrower 6
7,419.0
1.11
12.31
Residuary NBFC
Standard
Borrower 7
7,208.4
1.08
11.86
Infrastructure Finance
Standard
Borrower 8
6,014.5
0.90
9.90
Refinery and distribution
of petroleum products
Standard
Borrower 9
5,887.7
0.88
9.69
Banking & Finance
Standard
Borrower 10
5,377.2
0.81
8.85
Aluminum
Standard
Total Global
Exposure 
(1)
(665,982.9) 
(1)

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248
BANK OF BARODA
(1)
This includes net advances, guarantee given on behalf of constituents, acceptance, endorsement & other obligation,
Non SLR domestic securities and investments outside India.
There have been no defaults or any compromise or write off by any of the above parties, except for IFCI Limited, where
sacrifice was made based on the restructuring exercise.
The following table sets forth, for the dates indicated, our 10 largest Group exposures (in descending order) as determined
by the RBI guidelines, based on the audited accounts as on March 31, 2005 and reviewed accounts as on September
30, 2005.
(Rs. in million, except percentages)
March 31, 2005
September 30, 2005
Name of
Exposure
% of
% of
Classifi-
Name of
Exposure
% of
% of
Classifi-
Group #
Total
Capital
cation
Group #
Total
Capital
cation
Global
Funds
Global
Funds
Exposure
Exposure
Group 1
16,483.20
2 . 9 2
27.13 *
Standard
Group 1
11,766.9
1 . 7 7
1 9 . 3 6
Standard
Group 2
12,339.90
2 . 1 8
2 0 . 3 1
Standard
Group 2
11,065.3
1 . 6 6
1 8 . 2 1
Standard
Group 3
10,595.10
1 . 8 7
1 7 . 4 4
Standard
Group 3
9,612.3
1 . 4 4
1 5 . 8 2
Standard
Group 4
10,169.00
1 . 8 0
1 6 . 7 4
Standard
Group 4
9,080.0
1 . 3 6
1 4 . 9 4
Standard
Group 5
8,663.40
1 . 5 3
1 4 . 2 6
Standard
Group 5
6,371.2
0 . 9 6
1 0 . 4 8
Standard
Group 6
6,783.90
1 . 2 0
1 1 . 1 6
Standard
Group 6
5,548.1
0 . 8 3
9 . 1 3
Standard
Group 7
5,420.30
0 . 9 6
8 . 9 2
Standard
Group 7
5,308.5
0 . 8 0
8 . 7 4
Standard
Group 8
5,271.10
0 . 9 3
8 . 6 7
Standard
Group 8
4,878.3
0 . 7 3
8 . 0 3
Standard
Group 9
4,734.40
0 . 8 4
7 . 7 9
Standard
Group 9
4,737.1
0 . 7 1
7 . 8 0
Standard
Group 10
4,526.80
0 . 8 0
7 . 4 4
Standard
Group 10
4,689.2
0 . 7 0
7 . 7 2
Standard
* Total
*Total
Global
Global
Exposure (587,317.57)*
Exposure
(665,982.9)*
#
in both these cases, the Groups may not necessarily be the same.
*
This includes net advances, guarantee given on behalf of constituents, acceptance, endorsement & other obligation,
Non SLR domestic securities and investments outside India.
The following table sets forth, the periods indicated, our ten largest industry exposures (Domestic advances):

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249
(Rs. in million, except percentages)
March 31,
September 30, 2005
2004
2005
Industry
Funded
% of
Rank
Funded
% of
Rank
Funded
% of
Rank
Out-
Funded
Out-
Funded
Out-
Funded
standing
O/S
standing
O/S
standing
O/S
Infrastructure
12,939.99
9.82
4
33,986.77
21.05
1
45,163.55
23.67
1
Textile
23,570.66
17.88
1
26,859.74
16.63
2
30,119.06
15.78
2
Chemical,
Dyes Paints,
Fertilizer, Pharma
21,748.57
16.5
2
21,107.01
13.07
3
29,185.52
15.30
3
Iron & Steel
1,4331.7
10.87
3
16,239.16
10.06
4
20,961.93
10.99
4
All Engineering
9,691.54
7.35
5
9,089.02
5.63
5
9,149.67
4.80
5
Metals & Metal
Products
5,374.11
4.08
6
6,970.68
4.32
6
7,873.85
4.13
6
Gems & Jewellery
-
-
-
4,484.01
2.78
8
5,835.96
3.06
7
Plastic (part of
other industry)
4,188.6
3.18
8
4,373.19
2.71
9
4,778.16
2.50
8
Food Processing
and Beverages
4,137.56
3.14
9
3,841.44
2.38
10
-
-
-
Paper & Paper
Products
4,222.9
3.2
7
5,123.89
3.17
7
4,455.22
2.33
9
Automobile
-
-
-
-
-
-
4,325.04
2.27
10
Sugar
3,900.75
2.96
10
-
-
-
-
-
-
104,106.38
78.98
132,074.91
81.80
161,847.96
84.82
Industry wise outstanding as on September 30, 2005:
(Rs. in million, except percentages)
Industry
No. of
Funded O/s
Funded O/s to top
Funded O/s to top
Accounts
as on 30-9-05
10 companies in
10 companies as a
the industry
% of O/s to the
Industry
Coal
54
801.7
795.1
99.18
Mining
1,430
1,984.3
1,386.8
69.89
Iron and Steel
2,236
20,961.9
15,104.2
72.06
Metal & Metal Prod.
4,292
7,873.9
4,152.5
52.74
All Engineering
3,953
9,149.7
3,242.1
35.43
Textiles
8,737
30,119.0
7,558.1
25.09
Sugar
198
2,331.1
1,862.0
79.88
Tea
90
135.6
114.4
84.37
Food Processing and Beverages
4,546
4,269.3
1,110.6
26.01
Vegetable Oil & Van
263
1,675.7
1,427.5
85.19
Tobacco & Prod.
273
156.5
115.2
73.61
Paper & Prod
1,799
4,455.2
2,815.4
63.19
Rubber & Prod.
804
1,809.2
1,249.6
69.07

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250
BANK OF BARODA
(Rs. in million, except percentages)
Industry
No. of
Funded O/s
Funded O/s to top
Funded O/s to top
as on 30-9-05
10 companies in
10 companies as a
the industry
% of O/s to the
Industry
Chemical, Dye, Paints etc.
4384
29,185.5
16,152.7
55.35
Cement
371
2,038.5
1,839.8
90.25
Leather & Prod.
925
882.7
706.8
80.07
Gems and Jewellery
851
5,836.0
5,820.2
99.73
Construction
695
2,382.7
1,509.3
63.34
Petroleum
2
1.2
1.2
100.00
Automobiles
1,375
4,325.0
2,698.0
62.38
Computer Software
289
409.3
352.4
86.10
Infrastructure
1,253
45,163.5
31,776.9
70.36
Other Industry
34,137
14,862.8
2,272.5
15.29
Total
72,957
190,810.3
104,063.3
54.54
Security
The table below shows the amount of our net advances as on March 31, 2003, 2004, 2005 and half year ended
September 30, 2005, that are secured or covered by guarantees or unsecured.
(Rs. in million, except percentages)
Classification of Net Advances
March 31,
September 30,
Particulars
2003
2004
2005
2005
Amount
% of
Amount
% of
Amount
% of
Amount
% of
advances
advances
advances
advance
Secured by tangible assets
(including advances against
book debts)
291,127
82.36
285,015
80.06
332,787
76.68
355,689.89
72.66
Covered by bank or
Government guarantees
17,768
5.03
28,017
7.87
35,298
8.13
42,328.51
8.65
Unsecured
44,586
12.61
42,977
12.07
65,919
15.19
91,504.78
18.69
Total
353,481
100.00
356,009
100.00
434,004
100.00
489,523.18
100.00
Non-Performing Assets
As of March 31, 2005, our gross non-performing asset as a percentage of gross advances was 7.30 % and our net non-
performing assets as a percentage of net advances was 1.45 % (considering floating provisions).
We define net NPAs as gross NPAs less our loan loss provision, Deposit Insurance and Credit Guarantee Corporation/
Export Credit Guarantee Corporation (DICGC/ECGC) claims received and held, Amount of Interest Suspense held, Amount
of Suit filed, sundry Deposit received and held and amount of floating provisions.
We have made such provisions for 81.35% of our gross non-performing loans, as on March 31, 2005.
As of September 30, 2005, 43.82 % of gross domestic NPAs were from priority sector advances. We have maximum
NPAs in textile and chemicals industries with 14.85% and 11.61%, respectively, of gross domestic NPAs as on September
30, 2005.

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251
The following table set forth, as of the dates indicated, information about our non-performing advances portfolio:
(Rs. in million, except percentages)
March 31,
Sept. 30,
2001
2002
2003
2004
2005
2005
Am
t.
NPAs
NPAs
Am
t.
NPAs
NPAs
Am
t.
NPAs
NPAs
Am
t.
NPAs
NPAs
Am
t.
NPAs
NPAs
Am
t.
NPAs
NPAs
as %
as %
as %
as %
as %
as %
of Adv
of Adv
of Adv
of Adv
of Adv
of Adv
Gross Advances
296,588
41
,8
57
14
.1
1
362,391
44
,8
93
12
.3
9
378,209
41
,6
79
11
.0
2
378,334
39
,7
99
10
.5
2
455,291
33
,2
18
7.
30
510,551
32,
349.50
6.
34
Interest Suspense
3,
60
8
3,
60
8
4,
02
2
4,
02
2
3,
61
9
3,
56
7
3,
22
1
3,
22
1
2,
98
3
2,
98
3
2,
73
1
2,
73
1
DICGC/ECGC claims
received and held
4
1
5
4
1
5
6
1
5
6
1
5
6
0
8
6
0
8
4
4
9
4
4
9
5
1
0
5
1
0
4
2
3
4
2
3
SFSD held
6
0
1
5
9
1
5
9
6
5
8
1
4
5
3
4
5
3
3
8
5
3
8
5
3
4
2
3
4
2
3
4
9
3
4
9
Provisions
(as per RBI)
17
,7
57
17
,7
57
20
,5
28
20
,5
28
20
,0
48
20
,0
48
18
,1
34
18
,1
34
17
,3
22
17
,3
22
17
,3
99
17,399
Other Adjustments
1
3
7
1
3
0
1
2
6
Floating Provisions
1,
21
2
1,
21
2
2498
2,
49
8
4,
01
9
4,
01
9
7,
19
0
7,
19
0
5,
86
4
5,
86
4
5,
97
5
5,
97
5
Total Deductions
23
,5
93
23
,5
83
28
,2
59
28
,2
44
28
,7
47
28
,6
95
29
,5
16
29
,3
79
27
,1
51
27
,0
21
27
,0
03
26,877
Net Advances
(for Net NPA %)
272,995
18
,2
74
6.
69
334,132
16
,6
49
4.
98
349,462
12
,9
84
3.
72
348,818
10
,4
20
2.
99
428,140
6,
19
7
1.
45
483,548
5,472.50
1.
13
Unapplied Interest
N
ot
N
ot
(Domestic NPAs)
Available
Available
21
,3
67
18
,7
52
13
,9
86
14,579

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252