Bank of Baroda, a state-owned financial institution in Mumbai, India, is targeting a 10% growth in its corporate loan book, which currently amounts to ₹4.56 lakh crore, for the fiscal year 2027. The bank has identified a robust pipeline of ₹50,000 crore in loans, with half already sanctioned and awaiting disbursement. Managing Director Debadatta Chand highlighted that two-thirds of the proposals are for term loans, indicating strong investment demand, particularly in sectors such as renewable energy, steel, and cement. To enhance its net interest margins, projected to be between 2.75% and 2.95%, the bank intends to realign its corporate portfolio towards external benchmark-based lending rates. Additionally, Chand noted that the bank's credit-deposit ratio remains elevated compared to its state-run peers, sitting comfortably between 81% and 83%. The bank also maintains a positive outlook on asset quality, especially within its micro, small, and medium enterprises portfolio, supported by government initiatives like the Emergency Credit Line Guarantee Scheme (ECLGS).