Bank of baroda



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BANK OF BARODA
FORWARD-LOOKING STATEMENTS
We have included statements in this Red Herring Prospectus that contain words or phrases such as “will”, “aim”, “will
likely result”, “believe”, “expect”, “will continue”, “anticipate”, “estimate”, “intend”, “plan”, “contemplate”, “seek to”,
“future”, “objective”, “goal”, “project”, “should”, “will pursue” and similar expressions or variations of such expressions
that are “forward-looking statements”.
All forward-looking statements are subject to risks, uncertainties and assumptions that could cause actual results to
differ materially from those contemplated by the relevant forward-looking statement. Important factors that could
cause actual results to differ materially from our expectations include, among others:
General economic and business conditions in India and other countries;
Our ability to successfully implement our strategy, growth and expansion plans and technological initiatives;
Changes in Indian or international interest rates and their impact on our financial results;
Performance of the agricultural, retail and industrial sectors in India;
Rate of growth of our deposits, advances and investments;
Changes in the value of the Rupee and other currencies;
Potential mergers, acquisitions or restructurings;
Changes in laws and regulations that apply to banks in India, including laws that impact our ability to enforce
our collaterals;
The occurrence of natural disasters or calamities affecting the areas in which we have operations or outstanding
credit;
Changes in political conditions in India; and
Changes in the foreign exchange control regulations in India.
For further discussion of factors that could cause our actual results to differ, see the section titled “Risk Factors”
beginning on page xiii of this Red Herring Prospectus. By their nature, certain market risk disclosures are only esti-
mates and could be materially different from what actually occurs in the future. As a result, actual future gains or
losses could materially differ from those that have been estimated. The Bank, the members of the Syndicate and their
respective affiliates do not have any obligation to, and do not intend to, update or otherwise revise any statements
reflecting circumstances arising after the date hereof or to reflect the occurrence of underlying events, even if the
underlying assumptions do not come to fruition. In accordance with SEBI requirements, the Bank and the BRLMs will
ensure that investors in India are informed of material developments until such time as the grant of listing and trading
permission by the Stock Exchanges in respect of the Equity Shares allotted in this Issue.


xiii

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