Punjab National Bank · tone and specificity signals across the available quarters.
Language signals
We are very mindful that our operating profits has to grow continuously, net profit should grow continuously and our efficiency ratio consistently should improve and if those all those things are happening and if we have some surplus I am keeping it for that.
From 1st July 2020 to 30th June 2026, we have sanctioned around ₹14.74 lakh crore loans out of which we have dispersed around ₹12.92 lakh crore loans. The outstanding in these loans is ₹8.94 lakh crore which is close to 70% of our total outstanding loan book. The NPA in this book is hardly ₹5,486 crore which is only 0.42% of the dispersed amount under FH underwriting which speaks about the credit underwriting standard of our bank.
We are absolutely not there in the bulk deposit market and the CD market and very consciously we have kept the deposit growth at 8.5%. And this has contributed in the deposit cost improvement of 34 basis points.