Introduction to Bank of Baroda:

Bank of Baroda (BoB) is the third largest bank in India, after the State Bank of India and the Punjab National Bank and ahead of ICICI Bank. BoB has total assets in excess of Rs. 2.27 lakh crores, or Rs. 2,274 billion, a network of over 3,000 branches and offices, and about 1,100 ATMs. IT plans to open 400 new branches in the coming year. It offers a wide range of banking products and financial services to corporate and retail customers through a variety of delivery channels and through its specialized subsidiaries and affiliates in the areas of investment banking, credit cards and asset management. Its total business was Rs. 4,402 billion as of June 30. As of August 2010, the bank has 78 branches abroad and by the end of FY11 this number should climb to 90. In 2010, BOB opened a branch in Auckland, New Zealand, and its tenth branch in the United Kingdom. The bank also plans to open five branches in Africa. Besides branches, BoB plans to open three outlets in the Persian Gulf region that will consist of ATMs with a couple of people. The Maharajah of Baroda, Sir Sayajirao Gaekwad III, founded the bank on 20 July 1908 in the princely state of Baroda, in Gujarat. The bank, along with 13 other major commercial banks of India, was nationalized on 19 July 1969, by the government of India.

A saga of vision and enterprise It has been a long and eventful journey of almost a century across 25 countries. Starting in 1908 from a small building in Baroda to its new hi-rise and hi-tech Baroda Corporate Centre in Mumbai, is a saga of vision, enterprise, financial prudence and corporate governance. It is a story scripted in corporate wisdom and social pride. It is a story crafted in private capital, princely patronage and state ownership. It is a story of ordinary bankers and their extraordinary contribution in the ascent of Bank of Baroda to the formidable heights of corporate glory. It is a story that needs to be shared with all those millions of people customers, stakeholders, employees & the public at large who in ample measure, have contributed to the making of an institution.

Our mission statement

To be a top ranking National Bank of International Standards committed to augmenting stake holders' value through concern, care and competence.

Our Logo
Our new logo is a unique representation of a universal symbol. It comprises dual B letterforms that hold the rays of the rising sun. We call this the Baroda Sun. The sun is an excellent representation of what our bank stands for. It is the single most powerful source of light and energy its far reaching rays dispel darkness to illuminate everything they touch. At Bank of Baroda, we seek to be the source that will help all our stakeholders realise their goals. To our customers, we seek to be a one-stop, reliable partner who will help them address different financial needs. To our employees, we offer rewarding careers and to our investors and business partners, maximum return on their investment. The single-colour, compelling vermillion palette has been carefully chosen, for its distinctivenes as it stands for hope and energy. We also recognize that our bank is characterised by diversity. Our network of branches spans geographical and cultural boundaries and rural-urban divides. Our customers come from a wide spectrum of industries and backgrounds. The Baroda Sun is a fitting face for our brand because it is a universal symbol of dynamism and optimism it is meaningful for our many audiences and easily decoded by all. Our new corporate brand identity is much more than a cosmetic change. It is a signal that we recognize and are prepared for new business paradigms in a globalised world. At the same time, we will always stay in touch with our heritage and enduring relationships on which our bank is founded. By adopting a symbol as simple and powerful as the Baroda Sun, we hope to communicate both.

History
Prior to independence from the British Rule, the ancient India was ruled by princely states, scattered over the width and breadth of the large Indian nation. The Maharajas of the inner States of colonial India contributed to the welfare of their respective regions as well as the Indian nation as a whole. Their vision and foresight in founding various financial, charitable, social and philanthropic organizations during their time is still cherished by any one going into the history of modern India and its achievements in every walk of life. The Maharaja of Baroda, a princely state of British India, by name Sir Sayyajirao Gaekwad III, had the same vision in establishing a bank for servicing the public at large and the citizens of Baroda State, a Gujarathi population in particular. On 20th July 1908, Bank of Baroda was established under the rules of Companies Act 1897, in a small building at Baroda, by the Maharaja with a paid up capital of Rs.10 lakhs. The guidelines set by the Maharaja for the bank was to serve the people of the State of Baroda as well as the neighboring regions

with money lending, saving, transmission and encouraging the development of arts, science, commerce and trade for the people. Even during the worst financial disaster caused by the First World War, during the period 1913 to 1917, when as many as 87 banks closed their shutters, Bank of India survived the turbulence with its clear vision, ethical standards and financial prudence to grow from strength to strength. There were heroes to sustain the development of this bank to its present glory, from ordinary people as customers and the heirs of the Royal family of Baroda. The success story of the Bank of Baroda is studded with many a leaps and strides it made in the International presence, apart from establishing branches all over the Indian nation, by acquisition of already popular banking entities, as also commencing new commercial bankingestablishments, in the unique Gujarathi style. During the years of 1908 to 2007 (and the century year being round the corner) Bank of Barodas growth owes to the excellence in rendering financial products and services to the national and international population. Countries beginning from America to Zambia, in the alphabetical order have been enjoying the services of Bank of Baroda as of today. A brief statistics will reveal the magnitude of growth Bank of India has achieved today : fifth largest bank in India; total assets over 1,78,000 crores; number of offices and branches 2800; more than 1000 ATMs, notwithstanding affiliates, subsidiaries and delivery channels all over the world.

International expansion:
In its international expansion, the Bank of Baroda followed the Indian Diaspora, especially that of the Gujaratis. It has significant international presence with a network of 72 offices in 25 countries, six subsidiaries, and four representative offices. Among the Bank of Barodas 42 overseas branches are ones in the worlds major financial centers (e.g., New York, London, Dubai, Hong Kong(which it has upgraded recently), Brussels and Singapore), as well as a number in other countries. The bank is engaged in retail banking via 17 branches of subsidiaries in Botswana, Guyana, Kenya, Tanzania, and Uganda. The Bank of Baroda also has a jointventure bank in Zambia with nine branches. The Bank of Baroda maintains representative offices in Malaysia, China, Thailand, and Australia. It plans to upgrade its offices in China and Malaysia shortly to a branch and joint-venture, respectively. The Bank of Baroda has received permission or in principle approval from host country regulators to open new offices in Trinidad and Tobago and Ghana, where it seeks to establish joint ventures or subsidiaries. The bank has received Reserve Bank of India approval to open offices in The Maldives, and New Zealand. It is seeking approval for operations in Bahrain, South Africa, Kuwait, Mozambique, and Qatar and is establishing offices in Canada, New Zealand, Sri Lanka, Bahrain, Saudi Arabia, and Russia. It also has plans to extend its existing operations in the United Kingdom, the United Arab Emirates, and Botswana.

Milestones:
In 1908 the bank was established in Gujrat by Maharaja Sayajirao Gaekwad III and the first branch was opened in Ahmedabad serving over half of a million customer. It went international in 1954 later on it ventured in countries like UK, UAE, USA, Europe and so on. It not only adopted the green field technique but also M&A i.e. acquisition of sick and unprofitable banks in India. Hind bank is an example of such a policy which it acquired in 1959. 1961: BoB merged in New Citizen Bank of India. This merger helped it increase its branch network in Maharashtra. BOB also opened a branch in Fiji. 1962: BoB opened a branch in Mauritius. 1963: BoB acquired Surat Banking Corporation in Surat, Gujarat. 1964: BoB acquired two banks, Umbergaon Peoples Bank in southern Gujarat and Tamil Nadu Central Bank in Tamil Nadu state. 1964: BoB lost its branch in Narayanjanj (East Pakistan) due to the Indo-Pakistan war. It is unclear when BOB had opened the branch. 1965: BoB opened a branch in Guyana. 1967: The Tanzanian government nationalized BoBs three branches there and transferred their operations to the Tanzanian government-owned National Banking Corporation. During 1980s and 1990s BOB it went in to sea of change i.e. it started international money transfer, international consultancy, linking business to business and so on. In the same period it opened branches to Australia, Uganda, Mauritius and Japan. 2010: Malaysia awarded a commercial banking license to a locally incorporated bank to be jointly owned by Bank of Baroda, Indian Overseas Bank and Andhra Bank. The new bank, India BIA Bank (Malaysia), will reside in Kuala Lumpur, which has a large population of Indians. Andhra Bank will hold a 25% stake in the joint-venture, BoB will own 40% and IOB the remaining 35%

Company profile
Annual General Meeting : The Annual General Meeting of the shareholders of the Bank was held on Thursday, 2nd July, 2009 at Vadodara, where the following Directors were present. 1. Shri M. D. Mallya - Chairman & Managing Director

2. Shri V. Santhanaraman 3.Shri Rajiv Kumar Bakshi 4. Shri A. Somasundaram 5. Shri Milind N. Nadkarni 6.Shri Ranjit Kumar Chatterjee 7. Shri Amarjit Chopra 8. Dr. Atul Agarwal 9. Shri Maulin A. Vaishnav

- Executive Director - Executive Director - Director - Director (Workmen) - Director (Non-workmen) - Director (Chairman-ACB) - Director Director - Representing Shareholders, other than Central Government

COMMITTEE OF DIRECTORS / EXECUTIVES : The Board of Directors of the Bank has constituted various Committees of Directors and / or Executives to look into different areas of strategic importance in terms of Reserve Bank of India and Government of India guidelines on Corporate Governance and Risk Management. The important Committees of the Board are as under: i) Management Committee of the Board ii) Audit Committee of Board (ACB) (ACB) iii) Shareholders / Investors Grievances Committee iv) Share Transfer Committee v) Asset Liability Management & Risk Management Committee vi) Customer Service Committees Committee vii) Remuneration Committee viii) Nomination Committee ix) Committee of Directors x) Committee on High Value Frauds 4.1. Management Committee of the Board : In pursuance of Clause 13 of the Nationalized Banks (Management and Miscellaneous Provisions) Scheme, 1970 (as amended) read with the amendments made by the Ministry of Finance, Government of India, a Management Committee of the Board has been constituted to consider various business matters of material significance like sanction of high value credit proposals, compromise / write-off proposals, sanction of capital and revenue expenditure, premises, investments, donations etc. The Committee consists of Chairman and Managing Director, Executive Director (s) and Directors nominated by Government of India under Section 9 (3) (c) and 9 (3) (g) and three Directors from amongst those appointed under sub section (e) (f) (h) and (i) of section 9(3) of The Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970. The composition of the committee as on 31st March 2010 is as under: (i) Shri M. D. Mallya (ii) Shri Rajiv Kumar Bakshi

(iii) Shri N. S. Srinath (iv) Shri A. Somasundaram (v) Shri Milind N. Nadkarni (vi) Dr. Atul Agarwal (vii) Dr. (Smt.) Masarrat Shahid During the Financial Year 2009-10, the Management Committee of the Board (MCB) met on 25 occasions on the following dates 16.04.2009 18.07.2009 12.10.2009 05.01.2010 25.03.2010 The details of attendance of the Directors at the aforesaid Meetings of the Committee held during their respective tenure are as under: Name of the Director Period Meetings held during their tenure 25 10 25 8 25 13 13 7 10 5 13 13 Meetings attended 25 10 24 8 24 11 11 6 10 5 9 11 28.04.2009 07.08.2009 27.10.2009 21.01.2010 26.05.2009 20.08.2009 13.11.2009 05.02.2010 06.06.2009 28.08.2009 24.11.2009 19.02.2010 22.06.2009 11.09.2009 04.12.2009 04.03.2010 02.07.2009 29.09.2009 23.12.2009 18.03.2010

Shri M. D. Mallya Shri V. Santhanaraman Shri Rajiv Kumar Bakshi Shri N. S. Srinath Shri A. Somasundaram Shri Ranjit Kumar Chatterjee Shri Amarjit Chopra Dr. Atul Agarwal -doDr. (Smt.) Masarrat Shahid Dr. Dharmendra Bhandari Shri Maulin A. Vaishnav

01.04.2009 to 31.03.2010 01.04.2009 to 31.08.2009 01.04.2009 to 31.03.2010 07.12.2009 to 31.03.2010 01.04.2009 to 31.03.2010 29.07.2009 to 28.01.2010 01.04.2009 to 12.10.2009 01.04.2009 to 28.07.2009 24.11.2009 to 31.03.2010 29.01.2010 to 31.03.2010 29.07.2009 to 28.01.2010 16.05.2009 to

15.11.2009 Shri Milind N. Nadkarni -doDr. Deepak B. Phatak 01.04.2009 to 13.05.2009 16.11.2009 to 31.03.2010 01.04.2009 to 28.07.2009 2 10 7 2 9 2

4.2. Audit Committee of Board (ACB):: The Bank, in consonance with the fundamentals of Corporate Governance and in pursuance of directives of the Reserve Bank of India, has constituted an Audit Committee of the Board comprising Six Directors. A Non-Executive Director who is a Chartered Accountant is the Chairman of the Committee. The composition of the Committee as on 31st March, 2010 is as under: (i) Dr Atul Agarwal - Chairman a (ii) Shri Rajiv Kumar Bakshi- Member (iii) Shri N. S. Srinath - Member (iv) Shri Alok Nigam - Member (v) Shri A. Somasundaram - Member (vi) Shri Maulin A. Vaishnav - Member The following Directors ceased to be members of ACB during the Financial Year 2009-10 on the dates shown against their respective names: (i) Shri V. Santhanaraman 31.08.2009 (ii) Shri Amarjit Chopra 12.10.2009 (iii) Shri Amitabh Verma 09.12.2009 During the Financial Year 2009-10, the Audit Committee of the Board (ACB) met on 12 occasions on the dates given below: 16.04.2009 11.09.2009 27.04.2009 28.10.2009 26.05.2009 13.11.2009 06.06.2009 24.11.2009 27.07.2009 27.01.2010 07.08.2009 05.03.2010

The details of attendance of the Directors at the Meetings of the Committee held during their respective tenure are as under: Sr. No Name of the Director Period Meeting held during their Meeting attended

1. 2. 3. 4. 5. 6. 7. 8. 9.

Shri Amarjit Chopra Shri V. Santhanaraman Shri Rajiv Kumar Bakshi Shri N. S. Srinath Shri Amitabh Verma Shri Alok Nigam Shri A. Somasundaram Dr Atul Agarwal Shri Maulin A . Vaishnav

01.04.2009 to 12.10.2009 01.04.2009 to 31.08.2009 01.04.2009 to 31.03.2010 07.12.2009 to 31.03.2010 01.04.2009 to 09.12.2009 09.12.2009 to 31.03.2010 01.04.2009 to 31.03.2010 01.04.2009 to 31.03.2010 28.10.2009 to 31.03.2010

tenure 7 6 12 2 10 2 12 12 5

7 6 11 2 3 1 11 11 5

The main functions of Audit Committee inter-alia include assessing and reviewing the financial reporting system of the Bank to ensure that the financial statements are correct, sufficient and credible. It reviews and recommends to the Management the quarterly / annual financial statements before their submission to the Board. The Audit Committee provides directions and oversees the operations of total audit functions of the Bank including the organization, operation and quality control of internal audit, internal control weaknesses and inspection within the Bank and follow-up of the suggestions of Statutory/External audit of the Bank and RBI inspections. The Committee also reviews the adequacy of internal control systems, structure of internal audit department, its staffing pattern and hold discussions with the internal auditors / inspectors on any significant finding and follow-up action thereon. It further reviews the financial and risk management policies of the Bank. As for Statutory Audit, the Audit Committee interacts with the Statutory Central Auditors before finalization of Quarterly / Year to date / Annual Financial Results and Reports. It also maintains follow up on various issues raised in the Long Form Audit Report (LFAR). 4.3 Shareholders / Investors Grievances Committee: The Shareholders / Investors Grievances Committee has been constituted by the Bank to redress shareholders and investors complaints, if any. The Committee includes following members: (i) Executive Director (s) and (ii) Four Non-Executive Directors as its members with a Non-Executive Director as its Chairman. The composition of the Committee as on 31st March 2010 is as under: (i) Shri Maulin A . Vaishnav - Chairman (ii)Shri Rajiv Kumar Bakshi - Member (iii)Shri N. S. Srinath - Member (iv)Shri Milind N. Nadkarni-Member

(v)Shri Ranjit Kumar Chatterjee - Member (vi)Dr. Dharmendra Bhandari-Member The Committee met four times during the Financial Year 2009-10 on the following dates: 26.05.2009 29.08.2009 05.12.2009 05.03.2010

The details of attendance of the Directors at the aforesaid Meetings of the Committee held during their respective tenure are as under: Meetings held during the period of their tenure 4 2 4 1 4 4 4 Meetings attended 4 2 4 1 4 4 3

Name of the Director Shri Maulin A. Vaishnav Chairman of the Committee Shri V. Santhanaraman Shri Rajiv Kumar Bakshi Shri N. S. Srinath Shri Milind N. Nadkarni Shri Ranjit Kumar Chatterjee Dr. Dharmendra Bhandari

Period 01.04.2009 to 31.03.2010 01.04.2009 to 31.08.2009 01.04.2009 to 31.03.2010 07.12.2009 to 31.03.2010 01.04.2009 to 31.03.2010 01.04.2009 to 31.03.2010 01.04.2009 to 31.03.2010

The Committee ensures that all share certificates are issued within a period of one month of the date of lodgment for transfer, sub-division, consolidation, renewal, exchange or endorsement of calls / allotment money. The Committee further monitors the redressal of investors complaints in a time bound manner. The summary of number of requests/complaints received and resolved during the year are as under Pending as on 01.04.2009 13 Received during the year 8786 Resolved during the yea 8775 Pending as on 31.03.2010 24

All the pending cases as at the end of the year were pertaining to the request for issue of duplicate share certificates, in respect of which the necessary formalities were in process. Shri M.L Jain, Assistant General Manager & Company Secretary has been designated as the Compliance Officer of the Bank under Clause 47 (a) of the Listing Agreement with Stock Exchanges.

Asset Liability Management & Risk Management Committee: The Bank has constituted a Board level Risk Management Committee known as Asset Liability Management and Risk Management Committee to review and evaluate the overall risks assumed by the Bank. The Committee is headed by Chairman and Managing Director and its composition as on 31st March, 2010 is as under: Shri M. D. Mallya - Chairman Shri Rajiv Kumar Bakshi - Member Shri N. S. Srinath - Member Shri A. Somasundaram - Member Dr. Dharmendra Bhandari - Member The Committee met 4 times during the Financial Year 2009-10 on the following dates: 02.07.2009 29.08.2009 05.12.2009 05.03.2010

The details of attendance of the Directors at the Meetings of the Committee held during their respective tenure are as under: Name of the Director Shri M. D. Mallya Shri V. Santhanaraman Shri Rajiv Kumar Bakshi Shri N. S. Srinath Shri A. Somasundaram Dr Dharmendra Bhandari Meetings held during their tenure 01.04.2009 to 31.03.2010 4 Period 01.04.2009 to 31.08.2009 01.04.2009 to 31.03.2010 07.12.2009 to 31.03.2010 01.04.2009 to 31.03.2010 01.04.2009 to 31.03.2010 2 4 1 4 4 Meetings attended 4 2 4 1 3 2

The Bank has set up an appropriate risk management architecture, comprising Risk Management Organizational Structure, Risk Principles, Risk Processes, Risk Control and Risk Audit, all with a view to ideally identify, manage, monitor and control various categories of risks, viz. Credit Risk, Market Risk and Operational Risk, etc. The underlying objective is to ensure continued stability and efficiency in the operations of the Bank, nationally and internationally and to look after the safety of the Bank. Customer Service Committee : (a) Customer Service Committee of the Board The Bank has constituted a sub-committee of Board, known as Customer Service Committee'. The Committee has the following members as on 31st March, 2010:

1.Shri M. D. Mallya- Chairman and Managing Director 2. Shri Rajiv Kumar Bakshi - Executive Director 3.Shri N. S. Srinath - Executive Director 4. Shri T.K.Balasubramanian Director 5. Dr. (Smt.) Masarrat Shahid-Member The functions of the Committee include creating a platform for making suggestions and innovative measures for enhancing the quality of customer services and improving the level of satisfaction for all categories of clientele at all times, which inter-alia comprises the following: i. oversee the functioning of the Standing Committee on Procedure and Performance Audit on Public Services and also compliance with the recommendation of the Standing Committee on Customer Services. review the status of the Awards remaining unimplemented for more than 3 months from the date of Awards and also deficiencies in providing Banking services as observed by the Banking Ombudsman. review the status of the number of deceased claims remaining pending / outstanding for settlement beyond 15 days pertaining to deceased depositors/locker hirers/depositor of safe custody articles.

ii.

iii.

During the Financial Year 2009-10, the Committee met four times on the following dates: 22.06.2009 29.08.2009 05.12.2009 05.03.2010

The details of attendance of the Directors are as under: Meetings held during theperiod of their tenure 4 2 4 1 4 2

Name of the Director Period Shri M. D. Mallya Shri V. Santhanaraman Shri Rajiv Kumar Bakshi Shri N. S. Srinath Shri A. Somasundaram Dr. (Smt.) Masarrat Shahid 01.04.2009 to 31.03.2010 01.04.2009 to 31.08.2009 01.04.2009 to 31.03.2010 07.12.2009 to 31.03.2010 01.04.2009 to 31.03.2010 24.11.2009 to 31.03.2010

Meetings attended 4 2 4 1 3 1

4.9 Committee of Directors: A Committee of Directors consisting of Chairman and Managing Director and the nominee Directors of Government of India and Reserve Bank of India has been formed for dealing with the promotions at senior level. This Committee also deals with review of vigilance disciplinary cases and departmental enquiries. The composition of the Committee as on 31st March 2010 is as under: (i) Shri M. D. Mallya (ii) Shri Alok Nigam (iii) Shri A. Somasundaram The Committee met 7 times during the Financial Year 2009-10 on the following dates: 26.05.2009 07.08.2009 29.08.2009 05.09.2009 06.01.2010 27.01.2010 20.02.2010 The details of attendance of directors are as under: Name Meetings held during their tenure Shri M. D. Mallya 7 Shri Amitabh Verma 4 Shri A. Somasundaram 7 Shri Alok Nigam 3 Meetings Attended 7 4 7 3

Products- Bank of Baroda like any other bank has diversified products such as:Accepting (Fixed deposit, Recurring deposit, Current and savings deposits) Lending (term loan, discounting of bills, cash credit, over draft and pledging) Executive (trusteeship, advisor, executry and so on) Non banking services (insurance, locker, ATM, )

Marketing strategy- TV advertisement, print ads, teaser rates and so on.

Sales- as on 2010

Sales Rs. 17,754 crores Profits Rs. 3,058.33 crores

Assets Rs. 2,78,316.70 crores

BANK OF BARODA: S.W.O.T: Strengths: 1. Uninterrupted Record in Profit-making and Dividend Payment. 2. Overseas Business Operations extend across 25 countries through 74 branches/ Offices 3. Modern & Contemporary Personality. 4. Strong Domestic Presence through 2,927 branches. 5. Provides Financial Services to over 36.6million customers globally 6. Rapid & Significant Technology Progression Since FY06 7. Relatively Strong Presence in Industrially Progressive States of India 8. A well-accepted & recognized Brand in Indian banking industry 9. First PSB to receive Corporate Governance Rating (CAGR-2) 10. Pioneer in many Customer-Centric Initiatives

Financial information

Bank Of Baroda Yearly Results

Previous Years ------------------- in Rs. Cr. -------------------

Mar '06

Mar '07

Mar '08

Mar '09

Mar '10

Sales Turnover Other Income Total Income Total Expenses Operating Profit Profit On Sale Of Assets

7,100.00 1,191.69 8,291.69 3,302.00 3,798.00 --

9,212.64 1,173.24 10,385.88 3,305.06 5,907.58 --

11,813.47 2,051.04 13,864.51 3,755.69 8,057.78 --

15,091.58 2,662.64 17,754.22 4,538.12 10,553.46 --

16,698.34 2,724.91 19,423.25 4,507.78 12,190.56 --

Profit On Sale Of Investments Gain/Loss On Foreign Exchange VRS Adjustment Other Extraordinary Income/Expenses Total Extraordinary Income/Expenses Tax On Extraordinary Items Net Extra Ordinary Income/Expenses Gross Profit Interest PBDT Depreciation Depreciation On Revaluation Of Assets PBT Tax Net Profit Prior Years Income/Expenses Depreciation for Previous Years Written Back/ Provided Dividend Dividend Tax Dividend (%) Earnings Per Share

-----

-----

-----

-----

-----

---4,989.69 3,875.09 1,114.60 --1,114.60 287.64 826.96 -----22.62

---7,080.82 5,426.56 1,654.26 --1,654.26 627.79 1,026.47 -----28.08

---10,108.82 7,901.67 2,207.15 --2,207.15 771.63 1,435.52 -----39.27

95.01 --13,216.10 9,968.17 3,342.94 --3,342.94 1,115.74 2,227.20 -----60.93

81.45 --14,915.47 10,758.86 4,238.06 --4,238.06 1,179.73 3,058.33 -----83.67

Book Value Equity Reserves Face Value

-365.53 7,254.20 10.00

-365.54 8,070.55 10.00

-365.53 9,161.44 10.00

-365.53 11,021.66 10.00

-365.53 13,419.61 10.00

Bank Of Baroda Balance Sheet Mar '06

Previous Years ------------------- in Rs. Cr. ------------------Mar '07 Mar '08 Mar '09 Mar '10

12 mths

12 mths

12 mths

12 mths

12 mths

Capital and Liabilities: Total Share Capital Equity Share Capital Share Application Money Preference Share Capital Reserves Revaluation Reserves Net Worth Deposits Borrowings Total Debt Other Liabilities & Provisions Total Liabilities 365.53 365.53 0.00 0.00 7,478.91 0.00 7,844.44 365.53 365.53 0.00 0.00 8,284.41 0.00 8,649.94 365.53 365.53 0.00 0.00 10,678.40 0.00 11,043.93 365.53 365.53 0.00 0.00 12,470.01 0.00 12,835.54 365.53 365.53 0.00 0.00 14,740.86 0.00 15,106.39

93,661.99 124,915.98 152,034.13 192,396.95 241,044.26 4,802.20 1,142.56 3,927.05 5,636.09 13,350.09

98,464.19 126,058.54 155,961.18 198,033.04 254,394.35 7,083.90 8,437.70 12,594.41 16,538.15 8,815.97

113,392.53 143,146.18 179,599.52 227,406.73 278,316.71

Mar '06

Mar '07

Mar '08

Mar '09

Mar '10

12 mths

12 mths

12 mths

12 mths

12 mths

Assets Cash & Balances with RBI Balance with Banks, Money at Call Advances Investments Gross Block Accumulated Depreciation Net Block Capital Work In Progress Other Assets Total Assets 3,333.43 10,121.21 59,911.78 35,114.22 1,873.17 952.44 920.73 0.00 3,991.16 6,413.52 11,866.85 9,369.72 12,929.56 10,596.34 13,490.77 13,539.97 21,927.09

83,620.87 106,701.32 143,985.90 175,035.29 34,943.63 2,244.62 1,155.81 1,088.81 0.00 5,212.50 43,870.07 3,787.14 1,360.14 2,427.00 0.00 4,301.83 52,445.88 3,954.13 1,644.41 2,309.72 0.00 4,578.12 61,182.38 4,266.60 1,981.84 2,284.76 0.00 4,347.22

113,392.53 143,146.18 179,599.50 227,406.73 278,316.71

Contingent Liabilities Bills for collection Book Value (Rs)

34,678.87 10,407.04 215.35

54,999.86 12,976.53 237.46

75,364.33 15,105.51 303.18

64,745.82 22,584.64 352.37

77,997.01 27,949.60 414.71

SCOPE OF THE REPORT

The profile contains critical company information including*, Business description A detailed description of the companys operations and business divisions. Corporate strategy Analysts summarization of the companys business strategy.

SWOT Analysis A detailed analysis of the companys strengths, weakness, opportunities and threats. Company history Progression of key events associated with the company. Major products and services A list of major products, services and brands of the company. Key competitors A list of key competitors to the company. Key employees A list of the key executives of the company. Executive biographies A brief summary of the executives employment history. Key operational heads A list of personnel heading key departments/functions. Important locations and subsidiaries A list and contact details of key locations and subsidiaries of the company. Detailed financial ratios for the past five years The latest financial ratios derived from the annual financial statements published by the company with 5 years history. Interim ratios for the last five interim periods The latest financial ratios derived from the quarterly/semiannual financial statements published by the company for 5 interims history. Note*: Some sections may be missing if data is unavailable for the company. REASONS TO PURCHASE

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