Bank of baroda

(Rs. in million, except percentages)
March 31, 2003
March 31, 2004
March 31, 2005
September 30, 2005
Balance
% of
Balance
% of
Balance
% of
Balance
% of
outstanding
total
outstanding
total
outstanding
total
outstanding
total
Demand deposits
59,654
9.09
67,717
9.28
68,711
8.45
80,695
9.36
From Banks
5,510
0.83
4,766
0.65
3,914
0.48
4,755
0.55
From Others
54,144
8.26
62,951
8.63
64,797
7.97
75,940
8.81
Savings deposits
164,194
24.71
197,802
27.11
227,769
28.00
249,479
28.95
Term deposits
439,815
66.20
464,155
63.61
516,854
63.55
531,543
61.69
From Banks
21,965
3.31
29,234
4.01
31,940
3.93
40302
4.68
From Others
417,850
62.89
434,921
59.60
484,914
59.62
491,241
57.01
Total deposits
663,664
100.00
729,673
100.00
813,335 100.00
861,717 100.00
We take corporate deposits from large public sector corporations, government organizations, other banks and private
sector companies. We take Rupee or foreign currency denominated deposits and offer fixed and floating interest rates.
Deposit Products
Fixed Deposit Accounts
Interest bearing accounts are available for short and long terms. These deposits are also accepted as security by
government departments and for margins for non-fund based facilities. Our longer deposit plans for over 12 months
include the 
Fast Access Deposit Scheme, Yatha Shakti Jama Yojana, BoB Flexible Fixed Deposit Scheme, Regular
Income Plan, Monthly Income Plan, Regular Income Cum Recurring Deposit Plan, Capital Gain Account Scheme
and
term deposits. All of these products offer customers secure returns and may also offer flexible withdrawal options and
effective tax treatments. Our Recurring Deposit Scheme Baroda Flexible Recurring Deposit Account is a savings account
offered to retail customers. Such accounts encourage saving by offering better interest rates and other beneficial conditions.
Current Deposits
Our current deposits plans are designed to meet needs of different categories of customers. The terms are flexible and
instructions can be effected immediately making this plan most suitable for those with very regular transaction activity.

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