Punjab National Bank Financial Statements

Name: Punjab National Bank Financials — historical data
Creator: StockeZee

For Mar 2026, Punjab National Bank reported net profit of ₹17,022 crore. Return on equity stands at 13.00%. Profit & loss, balance sheet and cash flow across 8 reported years are below.

Updated 31 Jul 2026Source: NSE & BSE company filingsNifty 100 constituent

Profit after tax: ₹17,022 Cr
EPS: ₹16
Latest year: Mar 2026
Years reported: 8

Punjab National Bank profit & loss

Reported annual performance for Punjab National Bank, oldest to newest. Figures in ₹ crore unless a row states otherwise.

Punjab National Bank annual profit and loss statement. Figures in ₹ crore unless a row states otherwise.
Line item	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Interest Earned	52,147	54,918	81,866	76,242	86,845	1,09,065	1,24,010	1,30,772
Interest on Balances with RBI	1,937	2,531	1,902	2,288	1,910	2,823	3,519	4,311
Interest on Advances/Bills	35,416	36,156	53,683	48,874	57,742	76,516	86,757	89,547
Other Interest	172	138	934	609	792	539	1,493	2,078
Revenue on Investments	14,622	16,094	25,347	24,471	26,402	29,187	32,241	34,836
Other Income	7,367	9,388	13,124	12,098	12,240	13,329	16,447	18,691
Total Income	59,515	64,306	94,991	88,339	99,085	1,22,394	1,40,457	1,49,463
Net Interest Income	17,491	17,921	31,062	29,419	35,028	40,530	43,306	42,703
Total Banking Expenses	46,345	49,148	71,320	67,314	76,153	97,343	1,13,254	1,19,898
Interest Expended	34,656	36,997	50,805	46,823	51,817	68,534	80,704	88,069
Employees Cost	7,048	7,060	12,297	11,972	14,943	18,643	21,549	18,992
Other Operating Expenses	4,642	5,090	8,219	8,519	9,393	10,166	11,002	12,837
Provisions for Loan Losses	28,534	14,331	19,886	16,431	18,071	11,719	1,150	2,483
Profit Before Tax (PBT)	-15,365	827	3,784	4,595	4,861	13,332	26,053	27,082
Tax Expense	-5,338	464	1,632	919	1,792	5,003	8,613	9,986
Effective Tax %	34.74%	56.07%	43.12%	19.99%	36.86%	37.53%	33.06%	36.87%
Total Profit for Period	-10,026	363	2,152	3,676	3,069	8,329	17,440	17,096
Less: Non-controlling Interests	20	46	133	47	10	50	72	74
Net Profit (Owner's PAT)	-10,047	317	2,020	3,629	3,059	8,279	17,367	17,022
PAT Growth YoY %	—	103.15%	537.45%	79.68%	-15.71%	170.64%	109.78%	-1.99%
Earnings Per Share (EPS)	₹-20.79	₹0.65	₹2.45	₹3.51	₹3.04	₹8.27	₹16.08	₹16
Diluted Shares Outstanding (Cr.)	460	674	1,048	1,101	1,101	1,101	1,149	1,149
Asset Quality & Capital	0	0	0	0	0	0	0	0
Additional Tier 1 Ratio (%)	0.01	0.01	0.01	0.01	0.01	0.02	0.02	0.02
CET-1 Ratio (%)	0.07	0.11	0.11	0.11	0.11	0.11	0.12	0.14
Profit/Loss from Associates	476	122	542	232	289	828	1,113	1,371

Punjab National Bank balance sheet

Assets, liabilities and shareholders' equity as reported, in Schedule III order. Figures in ₹ crore unless a row states otherwise.

Punjab National Bank annual balance sheet with assets, liabilities and equity. Figures in ₹ crore unless a row states otherwise.
Line item	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Shareholders' Equity	45,198	64,237	92,534	97,582	1,02,881	1,10,387	1,33,138	1,49,972
Equity Share Capital	921	1,348	2,096	2,202	2,202	2,202	2,299	2,299
Reserves & Surplus	44,277	62,890	90,439	95,380	1,00,678	1,08,185	1,30,839	1,47,674
Total Banking Liabilities	7,44,068	7,87,220	11,87,191	12,41,719	13,90,768	14,88,249	17,24,406	18,83,359
Deposits	6,81,874	7,10,254	11,13,717	11,54,234	12,90,347	13,79,225	15,77,020	17,24,795
Borrowings	46,828	62,512	52,298	59,372	70,149	72,586	1,05,807	1,07,558
Other Liabilities & Provisions	15,366	14,453	21,176	28,113	30,273	36,438	41,579	51,005
Total Liabilities	7,89,266	8,51,457	12,79,725	13,39,301	14,93,649	15,98,636	18,57,544	20,33,331
Total Banking Assets	7,89,266	8,51,457	12,79,725	13,39,301	14,93,649	15,98,636	18,57,544	20,33,331
Cash & Balances with RBI	32,338	38,604	44,267	57,028	78,214	65,325	64,389	60,882
Bank Balances & Money at Call	44,958	39,152	69,067	77,166	79,115	66,075	86,370	1,03,240
Investments	2,09,723	2,53,782	4,04,369	3,88,586	4,16,914	4,46,421	5,24,840	5,23,515
Advances	4,62,416	4,76,853	6,79,346	7,33,766	8,37,459	9,41,762	10,86,273	12,37,980
Fixed Assets	6,248	7,262	11,049	10,696	12,084	12,348	13,083	15,625
Other Assets	33,583	35,804	71,627	72,059	69,864	66,704	82,587	92,089
Non-Current Assets	6,248	7,262	11,049	10,696	12,084	12,348	13,083	15,625
Fixed Assets	6,248	7,262	11,049	10,696	12,084	12,348	13,083	15,625
Total Assets	7,89,266	8,51,457	12,79,725	13,39,301	14,93,649	15,98,636	18,57,544	20,33,331
Total Borrowings	46,828	62,512	52,298	59,372	70,149	72,586	1,05,807	1,07,558
Net Debt	14,490	23,909	8,031	2,344	-8,065	7,260	41,417	46,676
Debt to Equity (x)	1.04	0.97	0.57	0.61	0.68	0.66	0.79	0.72

Punjab National Bank cash flow statement

Cash generated and used across operating, investing and financing activities. Figures in ₹ crore unless a row states otherwise.

Punjab National Bank annual cash flow statement across operating, investing and financing activities. Figures in ₹ crore unless a row states otherwise.
Line item	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Net Cash from Operating Activities	19,932	22,592	-27,939	22,075	25,635
Profit Before Tax	0	0	0	0	0
Depreciation & Amortisation	896	2,872	163	-609	1,281
Finance Costs	0	0	0	0	2,911
Working Capital Changes	-2,971	-4,289	-55,625	-2,857	-5,374
Tax Paid	-1,629	-1,204	-1,875	-5,117	-31
Net Cash from Investing Activities	-1,104	-732	-1,506	-1,578	-609
Purchase of PPE	0	0	0	0	0
Sale of Fixed Assets	0	0	0	16	42
Interest Received	0	0	0	0	0
Net Cash from Financing Activities	2,032	1,275	3,518	-1,138	-11,664
Proceeds from Borrowings	0	0	0	0	0
Repayment of Borrowings	0	0	0	-1,426	-5,489
Interest Paid	-2,202	-2,468	-2,970	-3,116	-2,911
Dividend Paid	0	-705	-716	-1,652	-3,325
Buyback / Redemption of Shares	0	0	0	0	0
Lease Liabilities Paid	0	0	0	0	0
Net Change in Cash	20,859	23,135	-25,928	19,359	13,362
Effect of Foreign Exchange Changes	0	0	0	0	0
Free Cash Flow	19,932	22,592	-27,939	22,075	25,635

Punjab National Bank key ratios

Valuation, profitability, return, leverage and per-share measures computed from reported statements — not from adjusted or normalised earnings.

Punjab National Bank trades at a P/E of 5.81× against a sector median of 7.54× — a 23% discount. Sector comparisons can mislead for conglomerates with mixed business lines.

Punjab National Bank valuation, profitability, return and leverage ratios
Ratio	Category	Value
P/E (TTM)	Valuation	5.81
Forward P/E	Valuation	6.61
P/B	Valuation	0.86
PEG (TTM)	Valuation	0.1
EV / EBITDA (TTM)	Valuation	-3.33
P/S (TTM)	Valuation	2.02
Operating margin	Profitability	74.7%
Net margin (TTM)	Profitability	29.34%
Return on equity	Return ratios	13%
Return on capital employed	Return ratios	6.13%
Return on assets	Return ratios	0.95%
Debt to equity	Leverage & liquidity	12.2
Beta	Leverage & liquidity	1.4
EPS (TTM)	Per share	₹16
Book value	Per share	₹130.49
Revenue / share (TTM)	Per share	₹54.14
Cash flow / share	Per share	₹22.31
Dividend yield	Shareholder returns	5.7%
Dividend payout (TTM)	Shareholder returns	36.88%

How this is calculated

Statements are as filed with the exchanges. Consolidated figures are shown where reported. Figures are in rupees crore unless the table states otherwise. Ratios are computed from the same reported statements, not from adjusted or normalised earnings.

Index membership reflects the Nifty 100 as published by NSE Indices, effective 2026-03-30.

Punjab National Bank: frequently asked questions

Is Punjab National Bank profitable?

Punjab National Bank reported a net profit of ₹17,022 crore in Mar 2026, down 2.0% on the previous financial year.

What is Punjab National Bank's EPS?

Punjab National Bank reported earnings per share of ₹16 for Mar 2026.

What is Punjab National Bank's return on equity?

Punjab National Bank's return on equity stands at 13.00%. ROE measures profit generated per rupee of shareholder equity.

How many years of Punjab National Bank financials are shown?

8 reported financial years are tabulated on this page, the most recent being Mar 2026.

Are these figures consolidated or standalone?

Consolidated figures are shown wherever the company reports them, and standalone otherwise. The basis in use is labelled on the statement table.

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Disclaimer

The data, ratios and commentary about Punjab National Bank (PNB) on this page are published for educational and informational purposes only and are not investment, legal or tax advice. StockeZee is not a SEBI-registered investment adviser, research analyst or portfolio manager, and no content here should be construed as a recommendation to buy, hold or sell any security. Live and historical market data may be delayed, revised by the exchanges, or contain errors; figures sourced from third-party feeds and corporate disclosures may not always be current. Past performance is not indicative of future results, and equity investments carry the risk of capital loss. Before acting on anything you read here, please consult a SEBI-registered financial advisor and read all scheme-related documents carefully.