The bind array must be large enough to contain a single row. If the maximum row length exceeds the size of the bind array, as specified by the BINDSIZE parameter, then SQL*Loader generates an error. Otherwise, the bind array contains as many rows as can fit within it, up to the limit set by the value of the ROWS parameter. (The maximum value for ROWS in a conventional path load is 65534.)
Although the entire bind array need not be in contiguous memory, the buffer for each field in the bind array must occupy contiguous memory. If the operating system cannot supply enough contiguous memory to store a field, then SQL*Loader generates an error.