PNB’s Global Business Grows 11.6% YoY to ₹27.19 Lakh Crore in Q1FY26
By Shishta Dutta | Updated at: Oct 15, 2025 04:39 PM IST
New Delhi, July 3, 2025 – Punjab National Bank (NSE: PNB, BSE: 532461) has reported a robust growth trajectory for the quarter ended June 30, 2025 (Q1FY26), with provisional figures indicating an 11.6% year-on-year (YoY) increase in global business, which rose to ₹27,19,491 crore. The bank’s performance also marked a 1.4% sequential growth compared to the previous quarter.
Key Business Highlights (₹ in crore)
On the deposits front, global deposits rose 12.8% YoY to ₹15.89 lakh crore, while domestic deposits increased 12.2% YoY to ₹15.37 lakh crore. Global advances grew 9.9% YoY to ₹11.31 lakh crore, with domestic advances rising 9.7% to ₹10.80 lakh crore. The global credit-deposit (CD) ratio remained stable at 71.20%.
| Particulars | 30-Jun-2024(Reviewed) | 31-Mar-2025(Audited) | 30-Jun-2025(Provisional) | QoQ Growth (%) | YoY Growth (%) |
|---|---|---|---|---|---|
| Global Business | 24,36,929 | 26,83,260 | 27,19,491 | 1.4% | 11.6% |
| Domestic Business | 23,54,323 | 25,77,383 | 26,16,750 | 1.5% | 11.1% |
| Global Deposits | 14,08,247 | 15,66,623 | 15,88,795 | 1.4% | 12.8% |
| Domestic Deposits | 13,69,916 | 15,11,336 | 15,36,871 | 1.7% | 12.2% |
| Global Advances | 10,28,682 | 11,16,637 | 11,30,696 | 1.3% | 9.9% |
| Domestic Advances | 9,84,407 | 10,66,048 | 10,79,879 | 1.3% | 9.7% |
| Global CD Ratio | 73.05% | 71.28% | 71.20% | – | – |
Note: Figures are provisional and subject to review by the Statutory Central Auditors of the Bank.
Strategic Commentary
PNB’s latest performance reflects its consistent efforts to boost both deposits and lending. Over the past year, global deposits rose by an impressive 12.8%, outpacing the 9.9% growth in advances, showing strong traction on the liabilities side. Despite operating on a high base, the bank maintained a steady pace quarter-on-quarter, pointing to stable demand and resilient domestic activity.
The global credit-to-deposit ratio came in at 71.20%, slightly lower than last year’s 73.05%. This suggests the bank is taking a more cautious stance on lending, likely in response to the evolving monetary landscape and rising interest rate pressures.
Punjab National Bank Stock Performance
On July 3, 2025, as of 10:56 a.m., Punjab National Bank shares are trading at ₹111.40, representing a 2.45% decline from the previous close. Punjab National Bank shares have dipped 8.85% in the last year, gained 8% in the year-to-date, and are up 1.31% in the previous month.
About Punjab National Bank
Punjab National Bank (PNB), a government-owned banking giant listed on NSE and BSE, offers a comprehensive suite of banking and financial services. It is among India’s largest public sector banks by business volume and network reach.
REF: https://nsearchives.nseindia.com/corporate/pnb2_02072025193128_Intimation_ProvFig_02072025_DS.pdf
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