Bank of baroda

(Rs. in million, except for 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
8.99
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
8.16
62,951
8.63
64,797
7.97
75,940
8.81
Savings deposits
164,194
24.74
197,802
27.11
227,769
28
249,479
28.95
Term deposits
439,815
66.27
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
40,302
4.68
From Others
417,850
62.96
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
The following table sets forth, as of the dates indicated, the regional exposure of our deposits.
(Rs. in million, except for 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
Geographic Distribution
Northern
101,916
15.36
110,324
15.12
131,858
16.21
140,561
16.31
North Eastern
4,460
0.67
4,900
0.67
5,610
0.69
5,953
0.69
Eastern
44,671
6.73
47,644
6.53
51,420
6.32
54,147
6.28
Central
107,295
16.17
110,055
15.08
119,013
14.63
132,763
15.41
Western
280,656
42.29
310,453
42.55
335,155
41.21
340,100
39.47
Southern
54,248
8.17
60,087
8.24
66,866
8.23
66,388
7.70
Domestic total
593,246
89.39
643,463
88.19
709,922
87.29
739,912
85.86
Overseas Territories
70,418
10.61
86,210
11.81
103,412
12.71
121,805
14.14
Total
663,664
100.00
729,673
100.00
813,334
100.00
861,717
100.00
Notes: The above figures are derived based on data received from branches and adjustments made for the branches for
which data were not received.

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244
BANK OF BARODA
Total Borrowings
The following table sets forth, for the periods indicated our average outstanding borrowings with and without Tier II
Bonds.
(Rs. in million, except for percentages)
Fiscal 2003
Fiscal 2004
Fiscal 2005
First six months of Fiscal 2006
Average
Interest
Average
Average
Interest
Average
Average
Interest
Average
Average
Interest
Average
balance
Expense
Cost
balance
Expenses
cost
balance
Expense
Cost
balance
Expense
cost
Borrowing
excluding
Tier II bonds
37,062
689
1.86%
25,050
487
1.94%
21,727
369
1.70%
19,967
425
4.26%
Tier II bonds
12,000
1,499
12.49%
15,000
1621
10.81%
15,000
1,673
11.15%
15,000
848
11.30%
Total borrowings
49,062
2,188
4.46%
40,050
2108
5.26%
36,727
2,042
5.56%
34,967
1,273
7.28%
Asset-Liability Gap
The following tables set forth our asset-liability gap position as of March 31 2004.
(Rs. in million, except for percentages)
1 to 14
15 to 28
29 days to
>3 to 6
>6 to 12
>1 to 3
>3 to 5
Over 5
OUTFLOWS
Total
Days
days
3 months
months
months
years
years
Years
Capital
2,945
0
0 
0
0
0 
0
0 
2,945
Reserves & Surplus
48,364
0
0 
0
0
0 
0
0 
48,364
Deposits
729,673
68,615
20,352
75,004
64,111
95,013
380,534
17,120
8,924
Borrowings
8,751
498
1
2
648
6,160
929
351
162
Other Liabilities & Provisions
54,163
9,537
106
1,885
580
667
30,747
7,384
3,257
A) Total Outflows
843,896
78,650
20,459
76,891
65,339
101,840
412,210
24,855
63,652
B) Cumulative Outflows
78,650
99,109
176,000
241,339
343,179
755,389
780,244
843,896
INFLOWS
Cash
4,020
4,020
Balances with RBI
26,547
2,509
528
2,100
2,312
3,504
7,919
547
7,128
Balances with other Banks
and money at call &
short notice.
42,100
29,184
1,941
7,527
459
110
1,758
493
628
Investments (Performing)
379,921
15,803
2,706
3,716
2,769
2,325
39,870
57,756
254,976
Advances (Performing)
338,399
39,505
4,708
29,089
35,892
26,803
134,171
34,375
33,856
Net NPAs
(including investments)
10,688
0
0
0
0
0
0
7,635
3,053
Fixed Assets
8,153
0
0
0
0
0
0
0
8,153
Other Assets
34,068
6,813
0
0
0
0
27,255
0
0
C) Total Inflows
843,896
97,834
9,883
42,432
41,432
32,742
210,973
100,806
307,794
D) Asset/ Liability Gap
(C-A)
19,184
(10,576)
(34,459)
(23,907)
(69,098)
(201,237)
75,951
244,142
E) % Asset/ Liability gap
(D as % To A)
24.39%
(51.69%)
(44.82%)
(36.59%)
(67.85%)
(48.82%)
305.58%
383.56%
F) Cumulative Asset/
Liability Gap (D cumulative)
19,184
8,608
(25,851)
(49,758)
(118,856)
(320,093)
(244,142)
0
G) % Cumulative asset/
liability gap
(F as a % of B)
24.39%
8.69%
(14.69%)
(20.62%)
(34.63%)
(42.37%)
(31.29%)

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245
The following table sets forth our asset liability gap positions as of March 31, 2005:
(Rs. in million, except for percentages)
1 to 14
15 to 28
29 days to
>3 to 6
>6 to 12
>1 to 3
>3 to 5
Over 5
OUTFLOWS
Total
Days
days
3 months
months
months
years
years
Years
Capital
2,945
0
0
0
0
0
0
0
2,945
Reserves & Surplus
53,332
0
0
0
0
0
0
0
53,332
Deposits
813,334
72,639
47,463
82,171
91,010
103,130
390,862
19,743
6,316
Borrowings
16,408
5,198
0
4,593
274
241
5,396
662
44
Other Liabilities & Provisions
54,759
6,983
219
534
3,364
649
32,635
7,265
3,110
A) Total Outflows
940,778
84,820
47,682
87,298
94,648
104,020
428,893
27,670
65,747
B) Cumulative Outflows
84,820
132,502
219,800
314,448
418,468
847,361
875,031
940,778
INFLOWS
Cash
3,972
3,972
0
0
0
0
0
0
Balances with RBI
23,151
1,841
900
2,091
2,560
2734
6,116
529
6,380
Balances with other
Banks and money
at call & short notice
65,418
22,996
11,209
18,081
2,402
992
8,502
457
779
Investments (Performing)
369,620
1252
2,791
9,594
10,888
5,685
48,156
69,068
222,186
Advances (Performing)
421,944
50,483
7,774
42,333
33,695
44,704
153,570
47,678
41,707
Net NPAs
(including investments)
7,320
0
0
0
0
0
0
3,609
3,711
Fixed Assets
8,608
0
0
0
0
0
0
0
8,608
Other Assets
40,745
10,375
11,039
0
0
0
19,331
0
0
C) TOTAL INFLOWS
940,778
90,919
33,713
72,099
49,545
54,115
235,675
121,341
28,3371
D) Asset/ Liability Gap
(C-A)
6,099
(13,969)
(15,199)
(45,103)
(49,905)
(193,218)
93,671
217,624
E) % Asset/ Liability gap
(D as % To A)
7.19%
(29.29)%
(17.41)%
(47.65)%
(47.98)%
(45.05)%
338.52%
331.00%
F) Cumulative Asset/
Liability Gap
(D cumulative)
6,099
(7,870)
(23,069)
(68,172)
(118,077)
(311,295)
(217,624)
0
G) % Cumulative asset/
liability gap
(F as a % of B)
7.19%
(5.94)%
(10.50)%
(21.68)%
(28.22)%
(36.74)%
(24.87)%
0
Assumptions
1.
Assets and Liabilities are classified in the applicable maturity buckets based on residual maturity/ RBI guidelines
unless specifically mentioned.
2.
Current deposits, savings deposits and cash credit/overdraft have been distributed in various time buckets as
approved by Board on the basis of behavioral studies on volatility (1-14 days bucket), core (1-3 years bucket) and
minimum core (over 5 year buckets) portion of these deposits.
3.
Overdue deposits are considered in 1-14 days time bucket.
4.
The following items have been shown as 80% in 1-3 years time bucket and balance 20% in 1-14 days time bucket:
a)
Bills payable and other liabilities reflected under other liabilities and provisions;
b)
Balances with other Banks in current account; and
c)
Other Assets.
5.
Provision on standard advances are allocated based on performing advances.

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246
BANK OF BARODA
6.
Balances with Reserve Bank of India are shown in various time buckets based on proportion of Net Demand Term
Liabilities (Domestic).
7.
Balances with other banks in deposit accounts as on March 31, 2004, are shown in 1-14 days time bucket.
8.
Net NPAs are reflected in 3-5 years bucket with regard to substandard assets and the remaining balance is shown
in more than 5 years bucket.
Loan Portfolio
As of September 30, 2005, our total outstanding loan portfolio was Rs. 489,523.18 million. The following table sets forth,
for the dates indicated, our loan portfolio classified by product group.