Credit DEposit

PNB Report FY25 : Business Standard

PNB Reports Strong Credit-Deposit Growth in Q4FY25

State owned Punjab National Bank (PNB) recorded a 13.3% year-on-year (Y-o-Y) growth in deposits, reaching ₹13.3 trillion by the end of Q4FY25. Meanwhile, its advances grew by 13.2% Y-o-Y to ₹9.42 trillion. On a sequential basis, deposits saw a 1.7% increase, while advances grew 2.4%, as per the bank’s quarterly update.

Another public-sector lender, Central Bank of India, reported a 7% Y-o-Y growth in deposits for Q4FY25, while its advances surged by 16% during the same period. However, the bank’s current account and savings account (CASA) ratio declined to 48.91%.

South Indian Bank reported a 5.5% Y-o-Y rise in deposits, reaching ₹1.07 trillion in Q4. Within this, retail deposits grew by 7.44% to ₹1.05 trillion, while CASA deposits increased by 3.17% Y-o-Y. The bank’s advances expanded nearly 10% to ₹88,447 crore during the quarter.

Punjab & Sind Bank also witnessed steady growth, with deposits rising to ₹1.29 trillion from ₹1.19 trillion a year ago. At the same time, its gross advances surged to ₹1 trillion from ₹85,964 crore. CASA deposits within the total grew 5.4% to ₹40,796 crore.

Meanwhile, CSB Bank experienced stronger growth in advances compared to deposits, reflecting a positive credit momentum in Q4FY25.