CD ratio of Punjab National Bank 2016-2019

Punjab National Bank had a credit to deposit ratio of approximately 68 percent at the end of fiscal year 2019. This was comparable to the overall CD ratio for Indian public sector banks, which was at 70 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 between FY 2017 and FY 2019

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Source

Release date

March 2019

Region

India

Survey time period

FY 2017 to FY 2019

Supplementary notes

India's financial year begins in April and ends in March. For example, FY 2018 started in April 2017 and ended in March 2018.

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