Bank of baroda

39,720.80
40,566.50
(1) Segment revenue represents revenue from external customers.

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Geographical Segments
The Group has two geographical segments: Domestic (India) and International. In addition to India, we have an international
presence in 19 other countries with 59 branches and three representative offices. The table below sets forth our international
operations’ business (advances and deposits) and total income and its respective percentage contribution to our total
business (advances and deposits) and total income for the periods indicated.
Total Business
Percentage of
Total Income
Percentage of
(advances and Group’s Business
of International
Group’s
deposits) of
 (advances and
Operations
Total Income
International
deposits)
(Rs. in million)
Operations
(Rs. in million)
Fiscal 2003
143,897.08
13.86%
7,074.80
9.26%
Fiscal 2004
164,355.19
14.78%
6,337.90
7.75%
Fiscal 2005
197,657.81
15.47%
7,456.20
9.28%
Six Months ended September 30, 2005
224,639.48
16.24%
4,515.20
11.13%
As a financial organization we are subject to exchange rate movements. Movements in foreign exchange rates may
impact our business, our future financial performance, our shareholders’ funds and the price of our Equity Shares. In
addition, our financial statements are denominated in Rupees while the functional currencies of our international operations
are foreign currencies. Accordingly, the financial performance of these international operations when translated into
Rupees may from time to time be impacted by exchange rate movements.