Archive · 10 Nov 2025
Bank of Baroda CEO Discusses Core Strength, RAM Growth, and Liquidity Management
Bank of Baroda's CEO, Debadatta Chand, explained that the bank is doing well by consistently earning a lot of profit each quarter, showing its strong foundation.
He wants to lend more money to regular people, farmers, and small businesses because there's a good opportunity in India for this, aiming to increase this type of lending from 61.7% to 65% in a few years.
While loans are growing faster than people's savings, the bank has extra reserves and can borrow money smartly to make sure it has enough funds.
The bank is also growing its business internationally.
Overall, the bank is focused on being steady, strong, and increasing its lending to support everyday economic activities.
Bank of Baroda CEO Debadatta Chand highlights the bank's strong core performance, consistently delivering net profits over ₹4,000 crore quarterly.
The bank aims to increase the share of Retail, Agriculture, and MSME (RAM) advances to 65% of gross domestic credit within three to four years, from the current 61.7%.
Chand acknowledged that credit growth is outpacing deposit growth but expressed confidence in managing liquidity and meeting full-year growth targets.
The bank is leveraging excess SLR securities and recent CRR cuts to manage liquidity and aims to borrow strategically from markets at competitive costs.
BoB plans to expand its international operations, aiming to grow the international book to 20% of overall business within three to five years.
- Who
- Debadatta Chand, MD and CEO of Bank of Baroda
- What
- Outlined the bank's strategy focusing on strengthening its core operations, expanding the Retail, Agriculture, and MSME (RAM) portfolio, and managing the gap between credit and deposit growth.
- When
- As of September-end 2025, with strategic outlook for the next three to five years. Discussed Q2FY26 performance.
- Where
- Bank of Baroda, with a focus on its domestic operations and international expansion.
- Why
- To capitalize on the low retail debt-to-GDP ratio in India, enhance core income generation, and achieve a target of doubling total business over five to six years.
Credit Growth
Deposit Growth
Growth Dynamics
Credit Growth
Credit growth (11.45% YoY) has outpaced deposit growth (9.51% YoY), creating a gap for banks.
Deposit Growth
Bank of Baroda is confident in meeting its full-year guidance for credit (11-13%) and deposit (9-11%) growth, leveraging excess SLR securities, CRR cuts, internal accruals, and strategic market borrowing to manage liquidity.
- Bank Name
- Bank of Baroda (BoB)
- CEO
- Debadatta Chand
- Total Business (Sept-end 2025)
- ₹27,78,859 crore
- RAM Advances Share (Sept-end 2025)
- 61.7%
- Target RAM Share (3-4 years)
- 65%
- Quarterly Net Profit
- Over ₹4,000 crore (last 13-14 quarters)
- Net Interest Margin (Q2FY26)
- 2.96%
- Excess SLR Securities
- Approx. 6.5 percentage points above mandatory 18%
