Bank of baroda

Business Banking
We offer a full range of fixed and current deposits to our business customers so that they can determine which combination
of flexibility and return is most suitable to their requirements. The products offered are similar to those offered to our
corporate and retail customers.
Loans and Advances
In addition to the Working Capital Finance and Term Finance facilities as offered to our corporate customers and Traders
Loan offered to retail customers, we offer business customers a suite of financial solutions specifically for small scale
industry and small business borrowers.
Small Scale Industries and Ancillary Units
We offer special loan and advance facilities for the purpose of fixed capital investment and also for working capital
requirements of small scale industries being those businesses with investments in plant and machinery (original cost) not
exceeding Rs. 10 million and ancillary units with investments in plant and machinery (original cost) not exceeding Rs. 10
million.
Small Business Borrowers
Our offerings include facilities for professionals and self employed individuals to fund the acquisition of business premises,
tools and working capital requirements, products for small road and water transport operators including associations of
operators not exceeding six individuals to help acquire vehicles. We also have schemes (including BOB Vyapar Scheme)
for retail traders and service-providing business enterprises. We use simplified loan documents and processes in order to
facilitate our lending to small business borrowers.
Retail Banking
Loans
Our total outstanding retail loans and advances were Rs. 73,317.10 million as of September 30, 2005, representing
17.26% of our total outstanding gross domestic advances. The following table classifies our outstanding retail loans by
category of loan, as of March 31, 2004 , March 31, 2005 and September 30, 2005: