Bank of baroda

Deposits
Advances
Number
Deposits
Advances
Number
Deposits
Advances
Distribution
of
(Rs. in
(Rs. in
of
(Rs. in
(Rs. in
of
(Rs. in
(Rs. in
branches
million
million
branches
million
million
branches
million
million
Northern India
479
110,324
45,847
483
131,858
58,889
482
140,561
73,883
North-Eastern India
25
4,900
1,639
25
5,610
2,153
25
5,953
2,556
Eastern India
250
47,644
23,371
255
51,420
28,444
256
54,147
27,775
Central India
693
110,055
35,283
692
119,013
40,174
692
132,763
42,588
Western India
984
310,453
167,035
984
335,155
201,714
977
340,100
227,909
Southern India
261
60,087
39,350
261
66,866
45,081
262
66,388
50,121
Total
2,692
643,463
312,525
2,700
709,922
376,455
2,694
739,912
424,832
During the period from April 2005 to September 2005, we have consolidated our branch operations on account of which
the operations of 15 of our branches were merged with other branches.
The following table sets forth our Bank’s and its Subsidiaries’ international operations by number of countries, number of
branches or Subsidairies, as applicable, deposits and advances, as at March 31, 2004 and 2005 and September 30,
2005:
International
As at March 31, 2004
As at March 31, 2005
As at September 30, 2005
Type
Countries
(1)
Number Deposits Advances Countries
(1)
Number Deposits Advances Countries
(1)
Number Deposits Advances
(Rs. in
(Rs. in
(Rs. in
million)
million)
million)
Branches
10
38
86,209
65,809
10
38
103,412
78,836
10
39
121,800
85,720
Subsidiaries
6
16
10,511
4,414
7
17
11,840
5,484
7
17
12,313
6,223
Total
1 5
5 4
96,720
70,223
1 6
5 5 115,252
84,320
1 6
5 6 134,113
91,943
(1)
In the UK we have a presence through branches as well as through our subsidiary, BOB UK. Therefore, the total of the countries is one less than the sum of our country branches and
Subsidiaries.

---

3
In addition to our branches and Subsidiaries, as at September 30, 2005, we had representative offices in three other
countries. On August 9, 2005, we opened our representative office in Bangkok, Thailand. Therefore, we have an international
presence in 19 countries. In addition, one of our Associates, Indo-Zambia Bank Limited is in Zambia. As its financial
statements are not consolidated with our Bank’s, we do not include it for the purposes of calculating our international
operations.
In addition to commercial banking operations, our foll0wing Subsidiaries are also in the following businesses:
(i)
BOBCARDS - Credit card;
(ii)
BOB AMC - Asset management;
(iii)
BOB Caps - Primary dealership, merchant banking and other capital market activities; and
(iv)
BOB Housing - Housing finance.