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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.