Punjab National Bank Performance Analyzed

Punjab National Bank showed strong growth in 2025. Their money held by customers (deposits) increased by 8.32%, reaching Rs 15,97,487 crore. At the same time, the bank loaned out more money (advances) – up by 10.15% – and their international business also grew.

Key Points

• Deposits rose 8.32% to Rs 15.97 trillion (2025).
• Advances increased 10.15% YoY and 4.47% QoQ.
• Global advances grew by 10.98% YoY & 5.36% QoQ.
• Global deposits climbed 8.54% YoY & 2.68% QoQ.
• Overall global business increased by 9.57% YoY.
• Credit-deposit ratio improved to 74.21% (2025).

The bank’s international activities were also performing well. Their total international business reached Rs 28,92,630 crore, showing a growth of 9.57% compared to the previous year. This includes money held by customers and loans given out worldwide.

Importantly, the ratio of money the bank loaned out compared to money it received as deposits (the credit-deposit ratio) also went up to 74.21%. This means the bank is lending out more money relative to its savings.

Looking at the bank’s financials, its standalone net profit increased by 13.95% to Rs 4,903.73 crore in Q2 FY26, driven by a 5.13% rise in total income to Rs 36,213.62 crore. Share prices of Jammu & Kashmir Bank increased by 1.17% to Rs 125.40 on January 2, 2026.

Punjab National Bank operates in several areas, including handling money for companies, serving regular customers, offering online banking, and managing investments. As of September 30, 2025, the bank has 10,228 branches within India and 2 branches located overseas.

A significant portion of their branches – 63.3% – are located in rural and semi-urban areas, indicating a focus on serving a broad range of customers.

The bank’s strong growth signals financial health and potential for future expansion.