Punjab National Bank had a credit to deposit ratio of approximately 63 percent at the end of fiscal year 2022. This was comparable to the overall CD ratio for Indian public sector banks, which was at approximately 64 percent that year.
The credit to deposit ratio is an important first indication to gauge a bank's health, as it shows how much of a bank's core funds are being used for lending. A very high ratio indicates pressure on resources as well as capital adequacy issues; while a very low ratio can mean that the bank is not using its available resources optimally.
Credit to deposit ratio of Punjab National Bank from financial year 2018 to 2022
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Indian Banks' Association. (June 12, 2023). Credit to deposit ratio of Punjab National Bank from financial year 2018 to 2022 [Graph]. In Statista. Retrieved December 22, 2024, from https://www.statista.com/statistics/1070980/india-punjab-national-bank-credit-to-deposit-ratio/
Indian Banks' Association. "Credit to deposit ratio of Punjab National Bank from financial year 2018 to 2022." Chart. June 12, 2023. Statista. Accessed December 22, 2024. https://www.statista.com/statistics/1070980/india-punjab-national-bank-credit-to-deposit-ratio/
Indian Banks' Association. (2023). Credit to deposit ratio of Punjab National Bank from financial year 2018 to 2022. Statista. Statista Inc.. Accessed: December 22, 2024. https://www.statista.com/statistics/1070980/india-punjab-national-bank-credit-to-deposit-ratio/
Indian Banks' Association. "Credit to Deposit Ratio of Punjab National Bank from Financial Year 2018 to 2022." Statista, Statista Inc., 12 Jun 2023, https://www.statista.com/statistics/1070980/india-punjab-national-bank-credit-to-deposit-ratio/
Indian Banks' Association, Credit to deposit ratio of Punjab National Bank from financial year 2018 to 2022 Statista, https://www.statista.com/statistics/1070980/india-punjab-national-bank-credit-to-deposit-ratio/ (last visited December 22, 2024)
Credit to deposit ratio of Punjab National Bank from financial year 2018 to 2022 [Graph], Indian Banks' Association, June 12, 2023. [Online]. Available: https://www.statista.com/statistics/1070980/india-punjab-national-bank-credit-to-deposit-ratio/
