Punjab National Bank

Punjab National Bank (PNB) financial statements and selected valuation metrics from NSE/BSE exchange filings through 30 June 2026.

Financial Services›Financial Services›Banks›Public Sector Bank

pnb.bank.in(opens the company website in a new tab)
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Key metrics

Price as of 2026-09-03

Stock price
₹116.32
Market cap
1,34,131 Cr
Stock P/E
5.9
P/B
0.90
Dividend yield
2.5%

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Share price

NSE closing price from historical market data.

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Statement tables · Consolidated

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Amounts in ₹ Cr · NSE preferred when both exchanges report the same period · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricSept 2023Dec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Net Interest Income10,038 Cr10,408 Cr10,476 Cr10,608 Cr10,657 Cr11,157 Cr10,884 Cr10,744 Cr10,655 Cr10,725 Cr10,579 Cr11,006 Cr
Other income2,999 Cr2,676 Cr4,294 Cr3,615 Cr4,664 Cr3,392 Cr4,776 Cr5,427 Cr4,171 Cr5,013 Cr4,080 Cr4,365 Cr
Net operating income13,037 Cr13,083 Cr14,771 Cr14,224 Cr15,321 Cr14,549 Cr15,660 Cr16,171 Cr14,826 Cr15,738 Cr14,659 Cr15,370 Cr
Employee cost4,241 Cr4,206 Cr5,672 Cr4,593 Cr5,798 Cr5,312 Cr5,845 Cr5,227 Cr4,808 Cr5,147 Cr3,811 Cr4,598 Cr
Other expenses2,558 Cr2,499 Cr2,599 Cr2,977 Cr2,514 Cr2,585 Cr2,926 Cr3,625 Cr2,864 Cr3,021 Cr3,327 Cr3,110 Cr
Provisions & contingencies3,461 Cr2,744 Cr1,560 Cr903 Cr280 Cr-403 Cr371 Cr345 Cr628 Cr1,130 Cr380 Cr555 Cr
Depreciation————————————
Profit before tax2,778 Cr3,634 Cr4,940 Cr5,751 Cr6,729 Cr7,055 Cr6,518 Cr6,973 Cr6,527 Cr6,440 Cr7,141 Cr7,108 Cr
Tax %36.5%38.0%37.2%35.4%34.1%34.1%28.8%73.7%25.7%19.4%26.8%24.9%
Net profit1,990 Cr2,441 Cr3,363 Cr3,991 Cr4,739 Cr4,811 Cr5,011 Cr2,167 Cr5,121 Cr5,577 Cr5,602 Cr5,835 Cr
EPS (₹)₹1.81₹2.21₹3.04₹3.61₹4.27₹4.18₹4.34₹1.84₹4.46₹4.83₹4.83₹5.06

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2019BSE balance sheet (this exchange's own filing had none for this period)Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income17,491 Cr17,921 Cr31,062 Cr29,419 Cr35,028 Cr40,530 Cr43,306 Cr42,703 CrSign in for TTM
Other income7,367 Cr9,388 Cr13,124 Cr12,098 Cr12,240 Cr13,329 Cr16,447 Cr18,691 CrSign in for TTM
Net operating income24,859 Cr27,309 Cr44,186 Cr41,516 Cr47,268 Cr53,860 Cr59,753 Cr61,394 CrSign in for TTM
Employee cost7,048 Cr7,060 Cr12,297 Cr11,972 Cr14,943 Cr18,643 Cr21,549 Cr18,992 CrSign in for TTM
Other expenses4,642 Cr5,090 Cr8,219 Cr8,519 Cr9,393 Cr10,166 Cr11,002 Cr12,837 CrSign in for TTM
Provisions & contingencies28,534 Cr14,331 Cr19,886 Cr16,431 Cr18,071 Cr11,719 Cr1,150 Cr2,483 CrSign in for TTM
Depreciation————————Sign in for TTM
Profit before tax-15,365 Cr827 Cr3,784 Cr4,595 Cr4,861 Cr13,332 Cr26,053 Cr27,082 CrSign in for TTM
Tax %34.7%56.1%43.1%20.0%36.9%37.5%33.1%36.9%Sign in for TTM
Net profit-9,550 Cr485 Cr2,695 Cr3,908 Cr3,359 Cr9,157 Cr18,553 Cr18,467 CrSign in for TTM
EPS (₹)₹-20.79₹0.80₹2.64₹3.53₹3.04₹8.27₹16.42₹16.00Sign in for TTM
Dividend payout %——0.0%0.0%21.0%7.8%8.9%18.0%Sign in for TTM
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Trailing twelve months totals and margin rows

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2019BSE balance sheet (this exchange's own filing had none for this period)Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital921 Cr1,348 Cr2,096 Cr2,202 Cr2,202 Cr2,202 Cr2,299 Cr2,299 Cr
Reserves44,277 Cr57,770 Cr83,238 Cr88,331 Cr92,223 Cr99,879 Cr1,22,531 Cr1,37,310 Cr
Borrowings46,828 Cr————72,586 Cr1,05,807 Cr1,07,558 Cr
Other liabilities6,97,240 Cr7,92,340 Cr11,94,391 Cr12,48,768 Cr13,99,224 Cr14,23,969 Cr16,26,908 Cr17,86,164 Cr
Total liabilities7,89,266 Cr8,51,457 Cr12,79,725 Cr13,39,301 Cr14,93,649 Cr15,98,636 Cr18,57,544 Cr20,33,331 Cr
Fixed assets (net)6,248 Cr————12,348 Cr13,083 Cr15,625 Cr
CWIP————————
Investments2,09,723 Cr————4,46,421 Cr5,24,840 Cr5,23,515 Cr
Loans & advances4,62,416 Cr————9,41,762 Cr10,86,273 Cr12,37,980 Cr
Cash & bank32,338 Cr————65,325 Cr64,389 Cr60,882 Cr
Other assets78,541 Cr8,51,457 Cr12,79,725 Cr13,39,301 Cr14,93,649 Cr1,32,779 Cr1,68,958 Cr1,95,329 Cr
Total assets7,89,266 Cr8,51,457 Cr12,79,725 Cr13,39,301 Cr14,93,649 Cr15,98,636 Cr18,57,544 Cr20,33,331 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2019BSE balance sheet (this exchange's own filing had none for this period)Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity——1,372 Cr19,932 Cr22,592 Cr-27,939 Cr22,075 Cr25,635 Cr
Cash from investing——-787 Cr-1,104 Cr-732 Cr-1,506 Cr-1,578 Cr-609 Cr
Cash from financing——34,993 Cr2,032 Cr1,275 Cr3,518 Cr-1,138 Cr-11,664 Cr
Net cash flow——35,579 Cr20,859 Cr23,135 Cr-25,928 Cr19,359 Cr13,362 Cr
Free cash flow (OCF − Capex)——585 Cr19,396 Cr22,040 Cr-29,083 Cr20,474 Cr24,011 Cr

Ratios

Ratios as reported or derived per annual period.

MetricMar 2019BSE balance sheet (this exchange's own filing had none for this period)Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROCE %50.5%64.0%64.0%56.8%60.0%5.3%5.9%5.8%
ROE %-25.0%0.8%3.2%4.3%3.6%9.0%14.9%13.2%
Debtor days————————
Inventory days————————
Days payable————————
Cash conversion cycle————————
Debt / equity1.04————0.710.850.77
Current ratio————————
Net debt / EBITDA————————

Regulatory ratios (standalone basis)

RBI/Basel III ratios — NPA, CET1, CRAR, NIM, ROA — for the licensed banking entity. Always sourced from the standalone filing, even on the consolidated view, since these have no consolidated-group definition.

MetricMar 2019BSE balance sheet (this exchange's own filing had none for this period)Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross NPA78,473 Cr73,479 Cr1,04,423 Cr92,448 Cr77,328 Cr56,343 Cr44,082 Cr37,124 Cr
Gross NPA %15.5%14.2%14.1%11.8%8.7%5.7%4.0%2.9%
Net NPA30,038 Cr27,219 Cr38,576 Cr34,909 Cr22,585 Cr6,799 Cr4,291 Cr3,610 Cr
Net NPA %6.6%5.8%5.7%4.8%2.7%0.7%0.4%0.3%
CET1 %6.2%10.7%10.6%10.6%11.2%11.0%12.3%13.6%
Additional Tier 1 %1.3%1.2%0.9%1.2%1.5%2.1%1.7%1.5%
Capital adequacy %————————
NIM %————————
ROA %-1.3%0.0%0.1%0.3%0.2%0.5%1.0%0.9%

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