Bank of baroda

SECTION IV - ABOUT US
Indian Banking Sector ............................................................................................................................................... 33
Business ................................................................................................................................................................... 46
Regulations and Policies ........................................................................................................................................... 78
History and Certain Corporate Matters .................................................................................................................... 116
Our Management ..................................................................................................................................................... 120
Our Promoter, Subsidiaries and Associates ............................................................................................................ 133
Related Party Transactions ..................................................................................................................................... 155
Dividend Policy ........................................................................................................................................................ 156
SECTION V - FINANCIAL INFORMATION
Financial Statements ............................................................................................................................................... 157
Selected Statistical Information .............................................................................................................................. 238
Management’s Discussion and Analysis of Financial Condition and Results
of Operations on an Unconsolidated Basis .............................................................................................................. 259
Management’s Discussion and Analysis of Financial Condition and Results of
Operations on A Consolidated (Unrestated) Basis .................................................................................................. 279
Summary of Significant Differences between Indian GAAP and U.S. GAAP .......................................................... 291