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BCC:BR:101:323 October 31, 2009

CIRCULAR TO ALL BRANCHES AND OFFICES IN INDIA

Sub. File Adv.2

ISSUED BY RETAIL BANKING DEPARTMENT

Dear Sir,

Re: Reconciliation of figures of Retail Loans: Finacle vis a vis ASCROM.

It has been always our endeavor to present a true & fair picture of our Retail LoanBook and in this process, we have been continuously communicating with Zones/Regions and Branches to maintain the accuracy of the data submitted by them.

While analyzing the data of Retail Loans received from the Regions for the halfyear ended September 30, 2009, we observe that there is a wide mismatchbetween the figures received from DATA CENTRE (FINACLE) and the informationsubmitted by the Regions / Branches through their ASCROM. It appears that duecare is not taken at operating level while preparing / finalizing the ASCROM and adistorted picture of our Retail Loan book is created.

We, therefore, request you to carry out an exercise for proper mapping of theproducts from FINACLE with the ASCROM and before submission of the data it

must be ensured that the information /data is accurate and there is no mismatch.Furthermore, due care should be taken at the time of opening of new accountsthat the account is opened under correct FINACLE code and the same is properlymapped with ASCROM to obviate the chances of wrong reporting /mapping. Witha view to help our operating units, we are enclosing a list of product codes ofFINACLE and the corresponding codes of the ASCROM for the purpose of mapping.While carrying out the exercise of mapping of products under FINACLE withASCROM, branches are requested to ensure that products are properly mapped.

Branches are further requested to complete this exercise well before 20 th November, 2009 and to send a line of confirmation in this regard torespective Regional Offices positively before 25 th November 2009.Regions, in turn, are required to submit a line of confirmation to thisoffice by 30 th November, 2009.

Regional Heads to further ensure that there must not be any mismatch inthe figures of Retail Loans derived from ASCROM and the FINACLE as on30.11.09 onwards.

Please take a careful note of above for its strict and meticulous compliance.

Yours faithfully

(Nandan Srivastava)General Manager(Retail Banking, Mktg & OL)

Encl: As above.

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ANNEXURE TO CIR. NO. BCC:BR:101:323 DATED 31.10.2009

FINACLE & ASCROM SCHEM CODE FOR RETAIL LOANS

NAME OF THE PRODUCT FINACLE SCHEME CODE ASCROM SCHEMECODE

Baroda Home Loan

Golden Jubilee Rural Housing Finance Sch.LA122,LA123, LA120,LA121 31

Baroda Housing Loan LA111, LA112, LA125,

LA127 201, 220, 221, 229Baroda Home Improvement Loan LA116 230Baroda Loan to NRIs/PIOs LA124 52Baroda AAA to Residents/NRIs LA114, LA115 233, 843Baroda Traders Loan LA162, OD006 710Baroda Mortgage LoanBaroda Advance Against Property LA118, OD005 231, 232Baroda Overdraft Against Propeerty to NRIs LA119 234Baroda Loan to Professionals LA142, LA143 253Baroda Marriage Loans LA144, LA145 707Baroda Education LoanBaroda Vidya LA131, LA132 48, 49, 53, 54, 226, 227Baroda Gyan LA130, LA133 225Baroda Scholar LA134, LA135 55Under Supreme Court Order LA140 228Baroda Loan for Career Development LA139, LA136, LA137 254, 853Baroda Loan for Skill Dev. Of Constrn. Workers LA138 252Baroda Auto LoanBaroda Car Loan LA101, LA103 85, 266Baroda Car Loan to HNIs/Corporates LA106 844Baroda Loan for Two Wheelers LA104, LA105 851Baroda Personal LoanBaroda Personal Loan LA141, LA148 240, 632

Baroda Vaibhav Lakshmi LA150, OD007 256Baroda Loan to Pensioners LA147 63Baroda Loan to Defence Pensioners LA146 260Baroda Loan for Earnest Money Deposit LA126 845Baroda Loan for Consumer Durables LA161 50, 51, 852Baroda Loan for Laptop and PCs LA163 850Baroda Desh Videsh Yatra Loan LA149 255Baroda Loan for IPO Subscription LA171 601Baroda Ashray (Reverse Mortgage Loan) LA176 305Baroda Loan to Doctors LA151, OD009 257

LA164, LA165, LA168,Baroda Loan Against SecuritiesLA169, LA170, OD004

245

Baroda Advance Against RentReceivables LA167, LA175 628LABOD / ODBOD LA172, OD002 2320, 2265

RETAIL BANKING DEPARTMENT,BCC, MUMBAI.

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