Bank of baroda

Overview of our Lending Operations
We offer products and services to our retail, corporate, business and agricultural customers. The following table presents
our sector-wise outstanding domestic loans and the proportion of these loans to our outstanding total domestic loans, as
of the dates indicated:
(Rs. in million, except for percentages)
March 31, 2003
March 31, 2004
March 31, 2005
September 30, 2005
Sector
Loans
% of Total
Loans
% of Total
Loans
% of Total
Loans
% of Total
Corporate and Commercial
252,386
81.02
240,153
76.84
269439
71.57
298,565
70.30
(Of which Small Scale Industries
(SSIs)
(34,587)
(11.10)
(35,107)
(11.23)
(37661)
(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
43185
11.47
52,285
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.
Corporate Banking
General
We provide commercial banking products and services to corporate customers including mid-sized and small businesses
and government entities. Our products include term loans, advances for the acquisition, construction or improvement of
assets. We also offer fee based services such as cash management and remittance services. In addition, our subsidiary
BOB Caps provides a full range of appraisal and merchant banking services.