Bank of baroda

BANK OF BARODA
ANNEXURE- A-IX
Segment Reporting:
Part A - Business Segments
Rs. in Millions
Sr.
Particulars
Year Ended
Year Ended
Year Ended
Period Ended
Period Ended
No.
31.03.03
31.03.04
31.03.05
30.09.04
30.09.05
1
Segment Revenue
 
(a) Treasury Operations
35,049
42,902
40,855
22,047
19,203
(b) Other Banking Operations
38,543
35,759
36,507
16,259
19,653
Total
73,592
78,661
77,362
38,306
38,856
2
Segment Results
(a) Treasury Operations
14,287
19,428
(2,951)
5,836
996
(b) Other Banking Operations
8,826
6,539
12,794
3,678
5,703
Total
23,113
25,967
9,843
9,514
6,699
Unallocated 
expenditure
11,508
10,638
1,212
2,128
1,017
Profit before Tax
11,605
15,329
8,631
7,386
5,681
Provision for Tax
3,977
5,659
1,863
2,323
1,521
Net 
Profit
7,628
9,670
6,768
5,063
4,160
3
Other 
Information
Segment 
Assets
(a) Treasury Operations
341,932
431,403
429,982
473,859
458,039
(b) Other Banking Operations
405,200
402,368
491,977
421,188
541,070
Total
747,132
833,771
921,959
895,047
999,109
Unallocated 
Assets
17,046
17,316
24,683
16,950
17,322
Total
764,178
851,087
946,642
911,997
1,016,431
Segment 
Liabilities
(a) Treasury Operations
344,220
424,906
422,155
469,305
456,691
(b) Other Banking Operations
346,834
339,883
419,154
355,622
466,493
Total
691,054
764,789
841,309
824,927
923,184
Unallocated 
Liabilities
73,124
86,298
105,333
87,070
93,247
Total
764,178
851,087
946,642
911,997
1,016,431
Part- B : Geographic Segments
Sr.
Particulars
Year Ended
Year Ended
Year Ended
Period Ended
Period Ended
No.
 31.03.03
31.03.04
31.03.05
30.09.04
30.09.05
1
Revenue
(a) 
Domestic
67,562
73,532
71,285
35,392
35,133
(b) 
International
6,030
5,129
6,077
2,914
3,723
Total
73,592
78,661
77,362
38,306
38,856
2
Assets
(a) 
Domestic
659,781
744,068
801,141
784,683
863,561
(b) 
International
104,397
107,019
145,501
127,314
152,870
Total
764,178
851,087
946,642
911,997
1016,431

---

177
ANNEXURE – B
Statement of Dividends declared by the Bank.
Year Ended
Equity Capital
No of Shares
Rate of Dividend
Amount of Dividend
Rs. In Million
in million
(Percent)
Rs. in Millions
31.03.2001
2,943.38
296.00
40
1,304.77
31.03.2002
2,943.39
294.34
40
1,184.00
31.03.2003
2,943.42
294.34
60
1,927.70
31.03.2004
2,932.62
293.26
65
2,150.43
31.03.2005
2,932.65
293.27
50
1,669.56

---

178
BANK OF BARODA
The Nainital Bank Ltd.
SUMMARY STATEMENT OF ASSETS AND LIABITIES
(Rs.in million)
S.
AUDITED
LIMITED
NO.
FINANCIAL YEARS ENDED 31 ST MARCH
 REVIEW
2001
2002
2003
2004
2005
30.09.2005
(A)
ASSETS
1
Cash in Hand
64.87
62.56
68.49
72.35
86.97
99.18
2
Balance With RBI
435.35
330.55
408.17
449.46
425.80
531.44
3
Balance 
With 
Banks
a)In Current A/c
120.78
75.36
178.80
216.92
190.06
104.80
b)In other Deposit A/cs
859.45
1,190.46
1,477.30
1,028.09
1,347.24
1,093.82
4
Money At Call & Short Notice
34.50
82.00
45.00
0.00
207.50
180.00
5
Investments
2,843.77
3,324.13
3,486.24
4,104.59
4,210.79
4,786.57
6
Advances
1,186.25
1,308.01
1,723.78
2,355.15
3,632.09
4,498.11
7
Fixed Asset
40.26
40.44
50.11
48.23
56.41
63.52
Less:Revaluation 
Reserve
21.93
21.52
21.13
20.76
20.41
20.41
Net Fixed Assets
18.33
18.92
28.98
27.48
36.01
43.11
8
Other Assets
223.69
208.05
234.95
269.99
344.51
334.46
TOTAL (A)
5,786.98
6,600.04
7,651.72
8,524.03 10,480.97
11,671.48
(B)
LIABITIES
1
DEPOSITS
Demand 
Deposits
485.00
596.73
497.67
645.51
793.51
1,650.42
From 
Bank
12.11
11.63
8.02
22.17
25.27
7.29
From 
Others
472.89
585.09
489.66
623.34
768.24
1,643.14
2
Saving Deposits
1,907.12
2,228.49
2,627.01
3,236.92
3,812.58
4,270.60
3
Term Deposits From Banks
5.37
12.91
11.41
5.31
171.77
268.76
Term Deposits From Others
2,953.40
3,241.95
3,551.03
3,700.34
4,554.85
4,019.12
4
Borrowing
0.07
0.07
1.41
1.08
2.78
0.60
5
Other Liabities & Provisions
199.28
233.36
408.77
283.45
406.39
362.08
TOTAL (B)
5,550.24
6,313.52
7,097.30
7,872.60
9,741.87
10,571.57
(C )
Net Assets(C=A-B)
236.74
286.52
554.42
651.42
739.10
1,099.91
(D)
Share Capital
50.00
50.00
150.00
150.00
150.00
300.00
(E)
Share Application Money
0.00
0.00
0.00
0.00
0.00
0.00

---

179
SUMMARY STATEMENT OF ASSETS AND LIABITIES
(Rs.in million)
SR.
AUDITED
LIMITED
NO.
FINANCIAL YEARS ENDED 31 ST MARCH
 REVIEW
2001
2002
2003
2004
2005
30.09.2005
(F)
Reserve And Surplus
208.67
258.04
425.55
522.18
609.51
820.31
1
Statutory Reserve
71.70
89.20
108.20
138.93
172.93
172.93
2
Capital 
Reserve
A)Revaluation 
Reserve
21.93
21.52
21.13
20.76
20.41
20.41
3
Share Premium
15.00
15.00
115.00
115.00
115.00
265.00
3
Investments Fluctuation Reserve
2.62
3.92
33.92
100.00
112.80
112.80
5
Revenue & Other Reserve
97.14
128.04
147.30
147.50
188.38
188.38
6
Balance In Profit & Loss A/c
0.28
0.36
0.00
0.00
0.00
60.81
TOTAL
208.67
258.04
425.55
522.18
609.51
820.31
Less:Revaluation 
Reserve
21.93
21.52
21.13
20.76
20.41
20.41
TOTAL (F)
186.74
236.52
404.42
501.42
589.10
799.91
 TOTAL 
(D+E+F)
236.74
286.52
554.42
651.42
739.10
1,099.91
(G)
CONTINGENT LIABITIES
1
Claim Against The Bank not
2.35
2.35
3.74
2.53
2.08
2.09
Acknowledged Debt
2
Liabities for Partly paid Investments
NIL
NIL
NIL
NIL
NIL
NIL
3
Gurantees Given On behalf of
6.01
6.26
12.17
21.43
47.41
72.79
Constituents
4
Acceptances,Endorsements and
1.69
4.41
6.37
0.96
3.15
21.46
Obligations
TOTAL (G)
10.05
13.03
22.27
24.91
52.63
96.34
Bills of Collection
32.25
39.48
35.16
27.89
39.27
29.60

---

180
BANK OF BARODA
SUMMARY STATEMENT OF PROFIT & LOSS
(Rs.In million)
SR.
AUDITED
LIMITED
NO.
FINANCIAL YEARS ENDED 31 ST MARCH
 REVIEW
2001
2002
2003
2004
2005
30.09.2005
A
INCOME

 
1
Interst Earned
564.63
632.48
673.76
700.84
735.53
429.40
1.1
Interst & Discount on Advances/Bills
144.98
150.83
174.20
233.06
322.72
212.60
1.2
Income On Investment
306.01
364.89
368.71
368.37
338.80
181.93
1.3
Interst on Balances with R.B.I. And
113.05
116.41
130.51
98.97
73.65
34.49
Other Inter Bank Placements
1.4
Others
0.60
0.35
0.34
0.44
0.37
0.39
2
OTHER INCOME
24.14
29.99
47.62
130.70
94.14
55.77
2.1
Commission, Exchange And
15.78
17.99
16.21
17.53
20.41
10.69
Brokerage
2.2
Proft/Loss On Sale Of Investments
0.32
-2.21
16.96
94.57
52.67
31.15
2.3
Interst on Income Tax Refund
0.00
1.36
1.25
1.45
1.28
0.35
2.4
Miscellaneous Income
8.04
12.85
13.20
17.15
19.78
13.58
TOTAL INCOME
588.77
662.47
721.38
831.54
829.66
485.18
B
EXPINDITURE

 
1
INTEREST EXPENDED
343.19
376.13
389.66
370.05
364.84
190.36
1.1
Interest on Deposits
343.02
376.02
389.44
369.66
364.68
190.17
1.2
Interest On R.B.I/Inter Bank Borrowing
0.11
0.05
0.09
0.23
0.12
0.15
1.3
Others
0.06
0.06
0.14
0.16
0.04
0.03
2
OPERATING EXPENSES
154.07
169.10
215.87
255.14
253.75
182.33
2.1
Payments to and Provisions
113.06
125.26
161.67
195.39
176.67
138.49
For Employees
2.2
Rent,Taxes and Lighting
11.41
13.05
14.60
16.56
19.44
10.56
2.3
Printing and Stationery
1.76
2.30
3.60
2.71
3.56
1.74
2.4
Advertisement and Publicity
0.52
0.50
0.41
0.66
0.78
0.29
2.5
Depreciation on Bank’s Property
3.39
4.38
10.39
9.89
14.62
5.49
2.6
Director’s Fees, Allowances and
0.41
0.31
0.39
0.31
0.44
0.16
Expenses
2.7
Auditors’ Fees & Expenses(Including
0.38
0.48
0.69
0.96
1.28
0.10
Branch Auditor’s Fees & Expenses)
2.8
Law Charges
1.09
1.00
0.91
1.40
0.70
0.57
2.9
Postage,Telegrams, Telephones,etc
3.45
3.48
3.49
4.11
4.52
1.98
2.10
Repair and Maintenance
0.88
0.75
1.17
2.15
2.09
1.56
2.11
Insurance
2.56
2.98
3.11
3.63
5.99
4.01
2.12
Other Expenditure
15.17
14.62
15.45
17.38
23.68
17.39