Bank of baroda

Liabilities
The following table sets forth the principal components of our liabilities as of March 31, 2003, March 31, 2004, March 31,
2005 and September 30, 2005.
(Rs. in million)
As of
March 31,
March 31,
March 31,
September 30,
 2003
 2004
 2005
 2005
Demand deposits from banks
5,510.10
4,765.84
3,914.37
4,754.57
Demand deposits from others
54,144.35
62,950.58
64,796.54
75,940.34
Savings deposits
164,194.19
197,802.08
227,769.28
249,478.85
Term deposits from banks
21,965.42
29,233.74
31,940.25
40,302.47
Term deposits from others
417,849.60
434,921.00
484,914.21
491,240.91
Total deposits
663,663.65
729,673.24
813,334.64
861,717.14
Borrowings
6,253.31
8,751.09
16,408.34
26,194.47
Other liabilities and provisions
38,391.74
46,353.10
45,621.85
45,367.07
Subordinate debts
12,000.00
15,000.00
15,000.00
22,700
Total liabilities
720,308.69
799,777.42
890,364.83
955,978.68
Our total liabilities increased by 11.03% from Rs. 720,308.69 million as of March 31, 2003 to Rs. 799,777.42 million as
of March 31, 2004 and further increased by 11.33% to Rs. 890,364.83 million as of March 31, 2005. Our total liabilities
as of September 30, 2005 were Rs. 955,978.68 million. These increases were mainly due to increase in savings and term
deposits as a result of the general growth of our business.
Other liabilities and provisions include bills payable, interest accrued on deposits and borrowings, inter-office adjustments,
our Tier II Bonds and provisions for standard advances and other provisions. The main reason for the increase as of
March 31, 2004 compared with March 31, 2003 was an increase in inter-office adjustment, contingency provisions for
standard advances and the issuance of Rs. 3,000 million of Tier II Bonds.