Bank of baroda

(Rs. in million, except percentages)
March 31, 2003
March 31, 2004
March 31, 2005
September 30, 2005
Amount
%
Amount
%
Amount
%
Amount
%
Bills Purchased/Discounted
23,386.55
6.62
24,963.70
7.01
39,936.74
9.20
44,120.53
9.01
Cash Credit, overdrafts and others
195,365.65
55.27
183,936.00
51.67
218,095.71
50.25
240,441.13
49.12
Term Loans
134,728.62
38.11
147,109.12
41.32
175,971.39
40.55
204,961.52
41.87
Total
353,480.82
100.00
356,008.82
100.00
434,003.84
100.00
489,523.18
100.00
Note: Advances figures are from the Balance Sheet as on the reference dates and are net of provisions.
The following table presents our Domestic outstanding loans by sector and the proportion of these loans to our outstanding
domestic total loans, as of the dates indicated:
(Rs. in million, except percentages)
March 31, 2003
March 31, 2004
March 31, 2005
September 30, 2005
Loans
% of
Loans
% of
Loans
% of
Loans
% of
Total
Total
Total
Total
DOMESTIC
Corporate and Commercial
252,386
81.02
240,153
76.84
269,439
71.57
298,565
70.30
(Of which Small Scale Industries
(SSIs)
(34,587)
(11.10)
(35,107)
(11.23)
(37,661)
(10.00)
(40,565)
(9.55)
Housing & Retail 
(1)
27,128
8.71
42,178
13.50
63,831
16.96
73,317
17.26
Agriculture
31,989
10.27
30,194
9.66
43,185
11.47
52,825
12.44
Total outstanding loans
311,503
100.00
312,525
100.00
376,455
100.00
424,707
100.00
(1)
The above figures are based on compilation of data received from all the regions. The advance against securities
is reflected as part of retail loans from March 31, 2005 onwards and accordingly the previous period figures are not
comparable. The above data is based on information compiled by respective departments.
Concentration of Loans and Credit Substitutes
Credit exposure ceilings are a prudential measure mandated by the RBI aimed at improving risk management and
avoiding concentration of credit risks. Ceilings are set in relation to single/group borrowers, unsecured borrowers and
with respect to each industry sector.
We have set our own credit exposure ceilings based on the guidelines for substantial exposure limits set by the RBI
which are typically more conservative than those prescribed by the RBI. For information on our credit exposure ceilings,
see the section titled “Business- Risk Management- Credit Risk- Credit Exposure Ceilings” beginning on page 67 of this
Red Herring Prospectus.

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247
On September 30, 2005, our largest non-food exposure to a single borrower was of Rs. 11,772.40 million which is nearly
19.37% of our capital funds as on March 31, 2005. On September 30, 2005, our largest non-food exposure to a Group
borrower was of Rs. 11,766.9 Million which is nearly 19.36% of our capital funds as on September 30, 2005. All these
borrowers are currently performing according to the terms of our contracts with them.
The following table sets forth, for the dates indicated, our 10 largest single exposures (in descending order) as determined
by the RBI guidelines, based on the audited accounts as on March 31, 2005 and reviewed accounts as on September
30, 2005.
Top 10 borrowers as on March 31, 2005: