The low retail debt-to-GDP ratio offers Bank of Baroda (BoB) an opportunity to grow its RAM (retail, agriculture, and MSME — micro, small and medium enterprises) portfolio further, says Debadatta Chand, MD and CEO.

India’s third largest public sector bank, with total business (deposits plus advances) of ₹27,78,859 crore, as at September-end 2025, plans to increase the share of RAM advances in its gross domestic credit to 65 per cent in three to four years, from the current 61.7 per cent.

In an interaction with businessline , Chand highlights the bank’s stable performance, clocking quarterly net profit of more than Rs ₹4,000 crore over the last 13-14 quarters, as a fair indicator of its core strength in generating income and profit.

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