Punjab National Bank (PNB), one of India’s leading public sector lenders, announced its provisional business figures for the quarter ended September 30, 2025, showcasing robust growth across both deposits and advances.
According to the bank’s filing, global business reached ₹27.87 lakh crore, reflecting an 11% year-on-year (YoY) growth from ₹25.20 lakh crore in September 2024, and a 2.5% increase quarter-on-quarter (QoQ) compared to ₹27.19 lakh crore in June 2025.
Domestic and Global Business Performance
PNB’s domestic business rose 10.4% YoY to ₹26.83 lakh crore, up from ₹24.28 lakh crore a year ago, and 2.5% QoQ from ₹26.17 lakh crore as of June 2025.
On the deposits side, global deposits stood at ₹16.17 lakh crore, marking a 10.9% YoY increase from ₹14.58 lakh crore and a 3.4% QoQ rise from ₹15.64 lakh crore in the previous quarter.
Similarly, domestic deposits climbed 10.7% YoY to ₹15.89 lakh crore, up from ₹14.16 lakh crore in September 2024 and 3.4% higher sequentially.
Advances Show Strong Momentum
PNB’s global advances surged to ₹11.70 lakh crore, reflecting a 10.3% YoY increase from ₹10.62 lakh crore and a 3.7% QoQ rise from ₹11.30 lakh crore in June 2025.
Domestic advances followed a similar trajectory, growing 10.7% YoY to ₹11.19 lakh crore, up from ₹10.11 lakh crore last year and 3.7% higher on a quarterly basis.
Credit-Deposit Ratio Remains Stable
The bank’s Global Credit-Deposit (CD) ratio stood at 72.40% as of September 2025, compared with 72.82% in September 2024 and 71.09% in June 2025, reflecting steady credit expansion in line with deposit growth.
PNB’s strong Q2 performance highlights consistent momentum in both retail and corporate segments, supported by healthy credit demand and an improving deposit base.
Summary
Punjab National Bank reported an 11% year-on-year rise in global business, reaching ₹27.87 lakh crore as of September 2025. The lender recorded solid growth in both deposits and advances, with domestic business up 10.4% YoY. The Credit-Deposit ratio remained stable at 72.40%, underlining balanced growth and strong operational performance.
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