Financials of Punjab National Bank

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of Punjab National Bank

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +24,30525,67326,85827,85228,68229,14530,44731,89532,52332,57232,51332,88932,798
Interest14,69016,06416,82017,44418,20618,53619,79020,73821,64021,82821,85822,16422,219
Expenses +10,81310,99010,2599,4499,8318,4738,5927,4949,1429,1978,2999,2987,518
Financing Profit-1,197-1,381-2219596462,1362,0653,6631,7421,5472,3561,4263,061
Financing Margin %-5%-5%-1%3%2%7%7%11%5%5%7%4%9%
Other Income +3,8273,3602,9992,6764,2943,6154,6643,3924,7765,4274,1715,0134,080
Depreciation0000000000000
Profit before tax2,6301,9792,7783,6344,9405,7516,7297,0556,5186,9736,5276,4407,141
Tax %34%39%36%38%37%35%34%34%29%74%26%19%27%
Net Profit +1,8761,3631,9902,4413,3633,9914,7394,8115,0112,1675,1215,5775,602
EPS in Rs1.691.221.812.213.043.614.104.184.341.844.464.834.87
Gross NPA %
Net NPA %

Financials of Punjab National Bank

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +48,71050,80448,05848,72552,14754,91881,93576,24286,845109,065124,010130,772
Interest31,34334,33132,72233,53034,65636,99750,80546,82351,81768,53480,70488,069
Expenses +18,76027,45322,53343,34539,64525,86738,60136,02641,50239,62333,89334,312
Financing Profit-1,394-10,980-7,197-28,151-22,153-7,946-7,470-6,607-6,4739089,4138,390
Financing Margin %-3%-22%-15%-58%-42%-14%-9%-9%-7%1%8%6%
Other Income +6,1756,1009,1688,8837,3679,38812,77712,32912,52914,15817,56018,691
Depreciation3844134305815846149828969059069580
Profit before tax4,397-5,2931,540-19,849-15,3708274,3254,8265,15114,16026,01527,082
Tax %24%-31%41%-37%-35%56%38%19%35%35%29%37%
Net Profit +3,525-3,5101,239-12,111-9,5504852,6953,9083,3599,15718,55318,467
EPS in Rs18.33-18.795.58-43.88-20.790.652.453.513.048.2716.0816.00
Dividend Payout %18%-2%0%0%0%0%0%18%21%18%18%19%

Financials of Punjab National Bank

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital3713934265529211,3482,0962,2022,2022,2022,2992,299
Reserves41,66941,41242,99040,96545,16462,52990,43995,380100,678108,185130,839147,674
Deposits537,758570,383629,651648,439681,874710,2541,113,7171,154,2341,290,3471,379,2251,577,0201,724,795
Borrowing36,69281,67443,33665,33046,82862,51252,29859,37270,14972,586105,807107,558
Other Liabilities +19,52218,93216,90922,24215,33314,81421,17628,11330,27336,43841,57951,005
Total Liabilities636,011712,793733,311777,528790,120851,4571,279,7251,339,3011,493,6491,598,6361,857,5442,033,331
Fixed Assets +3,6565,3086,2986,3716,2467,26211,04910,69612,08412,34813,08315,625
CWIP000000000000
Investments156,762165,126191,527204,419210,578253,782404,369388,586416,914446,421524,840523,515
Other Assets +475,594542,358535,486566,738573,295590,413864,307940,0191,064,6511,139,8671,319,6201,494,191
Total Assets636,011712,793733,311777,528790,120851,4571,279,7251,339,3011,493,6491,598,6361,857,5442,033,331

Financials of Punjab National Bank

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +4,81414,16721,938-1,742-33,532-12,79330,95020,03222,592-27,93922,07525,635
Cash from Investing Activity +-872-1,352159392-629-338-787-1,204-732-1,506-1,578-609
Cash from Financing Activity +7,4515,975-9,7677,46013,96913,5915,4152,0321,2753,518-1,138-11,664
Net Cash Flow11,39318,79012,3306,109-20,19246035,57920,85923,135-25,92819,35913,362
Free Cash Flow4,26713,56121,442-2,394-33,972-13,13130,16419,49622,040-29,08320,49024,052
CFO/OP25%67%92%1%-268%-36%72%54%52%-38%30%27%

Financials of Punjab National Bank

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %8%-9%3%-29%-22%1%3%4%3%9%15%13%