	C 2012 Mar 31	R 2013 Mar 31	2014 Mar 31	2015 Mar 31	C 2016 Mar 31	2017 Mar 31	R 2018 Mar 31	2019 Mar 31	2020 Mar 31	C 2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR
Net Interest & Dividend Income	13,899	15,505	16,955	17,721	16,473	15,336	15,194	17,491	17,921	31,130	29,419	35,028	40,530	43,306	42,703
Non-Interest Revenue	3,312	3,471	3,734	4,396	4,249	6,668	6,849	4,382	4,993	8,975	7,197	5,549	6,001	7,880	10,051
Total Revenue	17,211	18,976	20,689	22,117	20,722	22,003	22,043	21,873	22,914	40,106	36,616	40,578	46,532	51,186	52,754
Total Operating Expenses	10,044	12,083	14,942	18,287	25,667	19,982	39,829	35,633	22,497	35,712	31,453	33,752	33,951	26,306	26,582
Operating Profit	7,167	6,893	5,747	3,830	-4,945	2,022	-17,786	-13,760	417	4,394	5,163	6,826	12,580	24,881	26,172
Operating Margin	41.6	36.3	27.8	17.3	-23.9	9.2	-80.7	-62.9	1.8	11.0	14.1	16.8	27.0	48.6	49.6
Profit before Taxes	7,171	6,786	4,969	4,397	-5,293	1,540	-19,849	-15,370	827	3,782	4,594	4,861	13,332	26,053	27,082
Income Taxes	2,196	1,859	1,435	1,056	-1,630	639	-7,264	-5,344	464	1,630	919	1,792	5,003	8,613	9,986
Profit after Tax	5,025	4,954	3,617	3,400	-3,690	1,187	-12,113	-9,570	438	2,562	3,861	3,348	9,107	18,480	18,393
PAT Margin	29.2	26.1	17.5	15.4	-17.8	5.4	-55.0	-43.8	1.9	6.4	10.5	8.3	19.6	36.1	34.9
EPS - Basic - ex Extraordinary Items	29.63	29.12	20.32	18.78	-19.32	5.78	-54.63	-29.68	0.80	2.64	3.53	3.04	8.27	16.42	16.00
EPS - Diluted - ex Extraordinary Items	29.63	29.12	20.32	18.78	-19.32	5.78	-54.63	-29.68	0.80	2.64	3.53	3.04	8.27	16.42	16.00
EBIT	7,167	6,893	5,747	3,830	-4,945	2,022	-17,786	-13,760	417	4,394	5,163	6,826	12,580	24,881	26,172
EBITDA	7,490	7,228	6,114	4,235	-4,511	2,510	-17,205	-13,176	1,032	5,377	6,059	7,731	13,486	25,838	27,453
EBITDA Margin	43.5	38.1	29.6	19.1	-21.8	11.4	-78.0	-60.2	4.5	13.4	16.5	19.1	29.0	50.5	52.0

Balance Sheet

Abridged

Understanding Balance Sheet

Punjab National Bank balance sheet covering assets, liabilities, equity and borrowings across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	C 2012 Mar 31	R 2013 Mar 31	2014 Mar 31	2015 Mar 31	2016 Mar 31	C 2017 Mar 31	R 2018 Mar 31	R 2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Source:	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR
Cash & ST Balance with Banks	30,120	28,077	25,575	57,406	31,326	40,056	41,614	53,060	49,572	60,969	83,357	1,10,398	92,793	99,364	1,04,594
Lending & LT Balance with Banks	-	22,737	52,862	2,28,611	79,857	80,722	83,926	31,858	34,982	61,161	60,039	61,986	56,888	77,593	88,725
Property Plant & Equipment - Net	3,175	3,357	3,404	3,564	5,203	6,221	6,276	6,246	7,262	11,049	10,696	12,084	12,348	13,083	15,625
Total Assets	4,70,445	4,96,648	5,74,820	6,36,011	7,12,793	7,33,311	7,77,528	7,90,120	8,51,457	12,79,725	13,39,301	14,93,649	15,98,636	18,57,544	20,33,331
Deposits - Total	3,84,408	3,99,000	4,61,204	5,15,245	5,70,383	6,29,651	6,48,439	6,81,874	7,10,254	11,13,717	11,54,234	12,90,347	13,79,225	15,77,020	17,24,795
Long Term Debt	42,645	47,090	59,033	59,205	81,674	43,336	65,330	46,828	62,512	52,298	59,372	70,149	72,586	1,05,807	1,07,558
Total Liabilities	4,40,910	4,61,812	5,36,304	5,93,423	6,70,260	6,89,115	7,35,702	7,43,748	7,87,220	11,86,704	12,41,246	13,90,309	14,87,688	17,23,777	18,82,669
Total Shareholders' Equity	29,204	34,469	38,093	42,039	41,804	43,415	41,517	46,084	63,876	92,534	97,582	1,02,881	1,10,387	1,33,138	1,49,972
Minority Interest	331	366	423	549	729	781	309	288	361	487	473	459	561	628	690
Total Equity	29,535	34,835	38,516	42,588	42,533	44,196	41,826	46,372	64,237	93,021	98,055	1,03,340	1,10,948	1,33,766	1,50,662
Total Liabilities & Equity	4,70,445	4,96,648	5,74,820	6,36,011	7,12,793	7,33,311	7,77,528	7,90,120	8,51,457	12,79,725	13,39,301	14,93,649	15,98,636	18,57,544	20,33,331

Cash Flow

Abridged

Understanding Cash Flow Statement

Punjab National Bank cash flow statement covering operating, investing and financing activities across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2012 Mar 31	2013 Mar 31	2014 Mar 31	2015 Mar 31	2016 Mar 31	2017 Mar 31	C 2018 Mar 31	C 2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR
Operating CF bef Changes in Working Cap	9,174	9,946	10,647	10,782	12,139	14,230	4,716	14,702	13,898	24,244	20,701	24,414	24,715	21,816	30,139
Working Capital - Increase/(Decrease)	-18,186	-16,283	-2,711	27	-15,671	35,288	-31,471	-30,795	-44,692	5,008	-7,590	-10,605	-50,960	-37,504	-14,656
Net CF from Operating Activities	-9,012	-6,337	7,935	10,809	-3,531	49,517	-26,755	-16,092	-30,794	29,252	13,111	13,809	-26,245	-15,687	15,483
Capital Expenditures - Net	385	559	430	546	606	496	652	440	1,589	787	536	552	1,144	1,586	1,583
Net CF from Investing Activities	-397	-600	-302	-872	-1,352	159	392	-629	-987	-787	-1,104	-732	-1,506	-1,578	-609
Dividends Paid - Cash - Total	814	869	1,487	42	805	75	7	7	30	-	-	705	716	1,652	3,325
Stock - Issuance/(Retirement) - Net	2,245	1,375	643	1,327	2,009	1,066	10,486	14,810	16,091	3,777	1,793	-	-	4,988	-
Debt - LT & ST - Issuance/(Retirement) - Total	8,007	4,445	11,943	171	22,469	-38,338	21,994	-18,502	15,684	-26,501	7,074	10,777	2,437	33,221	1,752
Net Cash Flow from Financing Activities	9,438	4,950	11,100	1,456	23,673	-37,347	32,473	-3,471	32,241	-22,598	8,853	10,058	1,823	36,625	-1,512
Free Cash Flow to Equity	-1,390	-2,451	19,449	10,434	18,332	10,684	-5,413	-35,034	-16,699	1,965	19,648	24,033	-24,951	15,948	15,652
Free Operating CF net dividend	-10,212	-7,764	6,018	10,220	-4,942	48,947	-27,414	-16,540	-32,413	28,466	12,574	12,552	-28,104	-18,941	10,534
Free Operating CF	-9,397	-6,895	7,506	10,263	-4,137	49,021	-27,407	-16,533	-32,383	28,466	12,574	13,257	-27,388	-17,289	13,859

Business Segment Analysis

FY End:

Mar 26

Punjab National Bank business segment breakdown covering revenue, operating income and assets across key divisions for the selected financial year.

Revenue / Sales

Corporate/Wholesale Banking (38.0%)₹ 56,734.27 CrTreasury (30.0%)₹ 44,781.17 CrOther Retail Banking (29.4%)₹ 44,014.40 CrOther Banking Operation (2.6%)₹ 3,932.90 CrDigital Banking (0.0%)₹ 0.56 Cr

Assets

Corporate/Wholesale Banking (42.5%)₹ 8,64,796.20 CrTreasury (27.7%)₹ 5,62,319.72 CrOther Retail Banking (24.9%)₹ 5,06,436.78 CrOther Banking Operation (3.3%)₹ 66,285.68 CrUnallocated (1.6%)₹ 33,482.87 CrDigital Banking (0.0%)₹ 9.70 Cr

Regional Segment Analysis

FY End:

Mar 26

Punjab National Bank geographic revenue split showing domestic and international market performance across revenue and income for the selected financial year.

Revenue / Sales

Domestic (96.2%)₹ 1,43,805.61 CrInternational (3.8%)₹ 5,657.69 Cr

Assets

Domestic (93.4%)₹ 18,99,562.73 CrInternational (6.6%)₹ 1,33,768.22 Cr

Historical Segment Analysis

Track how Punjab National Bank segment contributions have evolved over multiple financial years to see which divisions are growing, shrinking or gaining strategic importance.

Sales

Assets

Operating Income

Business

Regional

Business

We don't have enough data to show the Capex for Punjab National Bank.

Frequently Asked Questions

What is the revenue of Punjab National Bank?

The latest trailing twelve month revenue of Punjab National Bank is ₹ 61,393.90 Cr, reflecting a 1-year growth of 4.78% and a 3-year CAGR of 7.76%. Annual and quarterly revenue trends are available in the Income Statement section.

What is the net profit of Punjab National Bank?

The latest trailing twelve month net profit (PAT) of Punjab National Bank is ₹ 18,392.70 Cr, with a 3-year earnings CAGR of 16.67%. Detailed profit history across annual and quarterly periods is in the Income Statement section.

What is the EBITDA of Punjab National Bank?

The trailing twelve month EBITDA of Punjab National Bank is approximately ₹ 27,081.71 Cr (based on an operating margin of 44.11%). EBITDA reflects core operating profitability before interest, taxes, depreciation and amortisation.

What is the EPS of Punjab National Bank?

The trailing twelve month Earnings Per Share (EPS) of Punjab National Bank is 4.83. EPS trends across annual and quarterly periods are visible in the Income Statement section.

What is the debt level of Punjab National Bank?

The debt-to-equity ratio of Punjab National Bank stands at 0.72. The full breakdown of total borrowings is in the Balance Sheet section.

What is the book value per share of Punjab National Bank?

The estimated book value per share of Punjab National Bank is 128.16 (derived from a P/B ratio of 0.82 and market price of ₹ 105.00), reflecting the net asset value attributable to each share. See the Balance Sheet section for a full breakdown.

What is the cash flow from operations of Punjab National Bank?

The trailing twelve month operating cash flow of Punjab National Bank is ₹ 15,483.40 Cr. Annual and quarterly cash flow data is available in the Cash Flow section of the Statements tab.

Does Punjab National Bank report consolidated or standalone financials?

Punjab National Bank reports consolidated financials. You can toggle between consolidated and standalone views using the switch at the top of each statement section.