Punjab National Bank (PNB) has announced its provisional business performance for the quarter ended 30 June 2026.
Global Business Crosses ₹29.99 Lakh Crore
PNB’s global business increased to ₹29,99,876 crore as on 30 June 2026, compared to ₹27,19,276 crore in the same period last year. This represents a year-on-year (YoY) growth of 10.32%. Compared to the previous quarter ended 31 March 2026, global business increased by 1.02%.
| Particulars | 30.06.2025 (Audited) | 31.03.2026 (Audited) | 30.06.2026 (Provisional) | Q-o-Q Growth | Y-o-Y Growth |
|---|---|---|---|---|---|
| Global Business | 27,19,276 | 29,69,685 | 29,99,876 | 1.02% | 10.32% |
| Domestic Business | 26,16,535 | 28,42,010 | 28,75,943 | 1.19% | 9.91% |
| Global Deposits | 15,89,379 | 17,11,126 | 17,24,840 | 0.80% | 8.52% |
| Domestic Deposits | 15,37,455 | 16,49,060 | 16,70,180 | 1.28% | 8.63% |
| Global Advances | 11,29,898 | 12,58,559 | 12,75,036 | 1.31% | 12.85% |
| Domestic Advances | 10,79,080 | 11,92,950 | 12,05,763 | 1.07% | 11.74% |
| Global CD Ratio (%) | 71.09% | 73.55% | 73.92% | – | – |
Strong Growth in Domestic Business
The bank’s domestic business stood at ₹28,75,943 crore at the end of June 2026. This is an increase of 9.91% from ₹26,16,535 crore a year ago. On a quarter-on-quarter (QoQ) basis, domestic business grew by 1.19%.
Deposits Continue to Grow
PNB reported steady growth in deposits during the quarter. Global deposits increased to ₹17,24,840 crore, registering a YoY growth of 8.52% and a QoQ growth of 0.80%. Domestic deposits rose to ₹16,70,180 crore, up 8.63% from the previous year and 1.28% from the previous quarter.
Advances Show Double-Digit Annual Growth
The bank also reported healthy growth in its loan portfolio. Global advances increased to ₹12,75,036 crore, recording a 12.85% YoY growth and 1.31% QoQ growth. Domestic advances stood at ₹12,05,763 crore, up 11.74% compared to the same quarter last year and 1.07% higher than the previous quarter.
Credit-Deposit Ratio Improves
PNB’s Global Credit-Deposit (CD) Ratio improved to 73.92% as of 30 June 2026, compared to 73.55% at the end of March 2026 and 71.09% a year earlier.
The Credit-Deposit (CD) Ratio shows how much of the bank’s deposits have been used for lending. A higher ratio generally indicates that the bank is making better use of its deposits by providing more loans while maintaining adequate liquidity.
