Punjab National Bank Complete Financial Statements

PNB • Review detailed financials to uncover trends, confirm thesis & journal trades
11 Years of Data
2025 - 2015

Complete Financial Data Export

Export complete financial statements for Punjab National Bank (PNB). Downloads include all available records across all periods. For market performance, see the PNB stock price today .

Profitability Ratios

Net Profit Margin 13.96% 2025 data
EBITDA Margin 17.79% 2025 data
Operating Margin 74.00% 2025 data
Return on Assets 0.28% 2025 data
Return on Equity 3.83% 2025 data

Balance Sheet Ratios

Current Ratio 0.12 2025 data
Debt to Equity 13.89 2025 data
Equity Ratio 7.20% 2025 data
Asset Turnover 0.02 2025 data

Year-over-Year Growth Analysis

Comparing Sept 2024 vs Sept 2025
Revenue Growth
+4.5%
Year-over-Year
Net Profit Growth
+8.1%
Year-over-Year
EBITDA Growth
-3.0%
Year-over-Year
Expense Growth
-3.4%
Year-over-Year
Assets Growth
+16.2%
Year-over-Year
Equity Growth
+20.6%
Year-over-Year
Liabilities Growth
+16.2%
Year-over-Year
Operating Cash Flow Growth
+179.0%
Year-over-Year
Investing Cash Flow Growth
-4.8%
Year-over-Year
Financing Cash Flow Growth
-132.3%
Year-over-Year

Income Statement

Periods ₹ Crores
Particulars Sept 2025 Mar 2025 Jun 2025 Sept 2024 Mar 2024 Jun 2024 Dec 2024 Sept 2023 Mar 2023 Jun 2023 Dec 2023 Sept 2022 Mar 2022 Jun 2022 Dec 2022 Sept 2021 Mar 2021 Jun 2021 Dec 2021 Sept 2020 Mar 2020 Jun 2020 Dec 2020 Sept 2019 Mar 2019 Jun 2019 Dec 2019 Sept 2018 Jun 2018 Dec 2018
Revenue 36,684 37,299 37,999 35,112 32,977 32,760 35,286 29,857 28,132 29,033 30,527 23,292 21,351 21,528 26,134 21,597 21,634 23,116 22,275 23,685 16,824 24,728 23,383 15,844 14,963 15,427 16,211 14,219 15,228 15,105
Expenses 8,299 9,142 9,197 8,593 9,831 8,473 7,494 10,259 10,813 10,990 9,449 10,493 9,384 9,523 11,578 8,922 8,720 9,776 8,839 10,001 8,307 9,949 10,171 6,100 13,348 4,847 7,228 12,701 8,306 5,870
EBITDA 6,527 6,518 6,973 6,729 4,940 5,751 7,055 2,778 2,630 1,979 3,634 626 470 562 1,043 889 939 1,497 1,739 939 -843 829 1,076 561 -7,160 1,493 -384 -6,957 -1,608 361
Operating Profit Margin % 74.00% 72.00% 72.00% 72.00% 66.00% 71.00% 77.00% 62.00% 56.00% 57.00% 66.00% 49.00% 51.00% 50.00% 49.00% 51.00% 54.00% 49.00% 55.00% 53.00% 42.00% 52.00% 51.00% 55.00% -2.00% 64.00% 48.00% -1.00% 38.00% 56.00%
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Interest 21,858 21,640 21,828 19,790 18,206 18,536 20,738 16,820 14,690 16,064 17,444 12,172 11,497 11,443 13,513 11,786 11,975 11,843 11,697 12,745 9,360 13,949 12,135 9,183 8,775 9,087 9,367 8,475 8,531 8,875
Profit Before Tax 6,527 6,518 6,973 6,729 4,940 5,751 7,055 2,778 2,630 1,979 3,634 626 470 562 1,043 889 939 1,497 1,739 939 -843 829 1,076 561 -7,160 1,493 -384 -6,957 -1,608 361
Tax 1,407 1,507 4,806 1,990 1,577 1,760 2,244 788 753 616 1,193 131 122 291 328 -238 225 313 490 331 -49 239 296 -10 -2,554 408 -7 -2,425 -746 -91
Net Profit 5,121 5,011 2,167 4,739 3,363 3,991 4,811 1,990 1,876 1,363 2,441 496 348 271 715 1,127 715 1,184 1,249 608 -795 591 781 572 -4,606 1,085 -377 -4,533 -863 452
Earnings Per Share (₹) 4.46 4.34 1.84 4.27 3.04 3.61 4.18 1.81 1.69 1.22 2.21 0.44 0.31 0.26 0.64 1.00 0.67 1.09 1.14 0.61 -1.22 0.57 0.78 1.24 -12.02 2.33 -0.65 -16.18 -3.12 1.25

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Additional stock information and data for PNB

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Balance Sheet

Years Annual Data ₹ Crores
Particulars 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
ASSETS
Total Assets 1,857,544 1,598,636 1,493,649 1,339,301 1,279,725 851,457 789,266 777,528 733,311 712,793 636,011
Current Assets 212,199 175,149 203,219 180,550 157,940 93,496 92,248 114,700 105,135 91,663 69,500
Fixed Assets 13,083 12,348 12,084 10,696 11,049 7,262 6,248 6,371 6,298 5,308 3,656
Capital Work in Progress 0 0 0 0 0 0 0 0 0 0 0
Investments 524,840 446,421 416,914 388,586 404,369 253,783 209,723 204,419 191,527 165,127 156,762
Other Assets 1,319,620 1,139,867 1,064,651 940,019 864,307 590,413 573,295 566,738 535,486 542,358 475,594
LIABILITIES
Total Liabilities 1,857,544 1,598,636 1,493,649 1,339,301 1,279,725 851,457 789,266 777,528 733,311 712,793 636,011
Current Liabilities 1,816,593 1,562,758 1,463,836 1,311,662 1,259,036 837,004 774,220 755,595 716,932 694,589 617,039
Non-Current Liabilities
SHAREHOLDERS' EQUITY
Total Equity 133,766 110,948 103,340 98,055 93,021 64,237 45,518 41,826 43,946 42,533 42,588
Share Capital 2,299 2,202 2,202 2,202 2,096 1,348 921 552 426 393 371
Reserves & Surplus 130,839 108,185 100,678 95,380 90,439 62,529 44,277 40,965 42,739 41,412 41,669

Cash Flow Statement

Periods ₹ Crores
Particulars March 2025 March 2024 March 2023 March 2022 March 2021 March 2020 March 2019 March 2018 March 2017 March 2016 March 2015
Operating Activities 22,075 -27,939 22,592 20,032 30,950 -12,793 -33,532 -1,742 21,938 14,167 4,814
Investing Activities -1,578 -1,506 -733 -1,204 -787 -338 -629 392 159 -1,352 -872
Financing Activities -1,138 3,518 1,275 2,032 5,415 13,591 13,969 7,460 -9,767 5,975 7,451
Net Cash Flow 19,359 -25,928 23,135 20,859 35,579 460 -20,192 6,109 12,330 18,790 11,393