PNB Financial Statements

PNB (PNB) reported revenue of ₹1,494.63B in FY2026 with net income of ₹183.93B. Total assets stood at ₹20.33T and free cash flow was ₹240.11B.

PNB Income Statement

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FY 2025 – FY 2026

Item	Chart	2025	2026
Op. Income Operating Income		1,240.10B	1,307.72B
Other Income		164.47B	186.91B
Total Income		1,404.57B	1,494.63B
Interest Exp. Interest Expenditure		807.04B	880.69B
Op. Expense Operating Expense		325.50B	318.29B
Provisions Provisions & Contingencies		97.63B	124.69B
Net Income		184.80B	183.93B
Dil. Shares Diluted Shares		11.26B	11.50B
Diluted EPS		16.42	16.00

Figures in ₹ — millions (M), billions (B), trillions (T). EPS is earnings per share.

Understanding the Income Statement

The income statement shows PNB's revenue and expenses over a period. Revenue minus costs gives gross profit; after operating expenses, interest, and taxes, the remainder is net income. Diluted EPS divides net income by all shares that could exist if options and convertibles were exercised.

PNB Balance Sheet

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FY 2025 – FY 2026

Item	Chart	2025	2026
Cash		643.89B	608.82B
Loans & adv. Loans & advances		10.86T	12.38T
Investments		5,248.40B	5,235.15B
Total assets		18.58T	20.33T
Borrowings		1,058.07B	1,075.58B
Deposits		15.77T	17.25T
Total liabilities		17.24T	18.83T
Total equity		1,337.66B	1,506.62B
Total liab. & eq. Total liabilities & equity		18.58T	20.33T

Figures in ₹ — millions (M), billions (B), trillions (T).

Understanding the Balance Sheet

The balance sheet captures PNB's financial position at a point in time — what it owns (assets), what it owes (liabilities), and the residual value to shareholders (equity). Total assets always equals total liabilities plus equity.

PNB Cash Flow Statement

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FY 2025 – FY 2026

Item	Chart	2025	2026
Net Income		184.80B	283.79B
Operating CF Cash flow Operating Activities		220.75B	256.35B
Capex Investments in PPE		-16.01B	-16.25B
Investing CF Cash flow Investing Activities		-15.78B	-6.09B
Dividend Paid		-16.52B	-33.25B
Financing CF Cash flow Financing Activities		-11.38B	-116.64B
Cash (start) Cash at beginning of period		1,314.00B	1,507.60B
Cash (end) Cash at end of period		1,507.60B	1,641.22B
FCF Free Cash Flow		204.74B	240.11B

Figures in ₹ — millions (M), billions (B), trillions (T).

Understanding Cash Flow

The cash flow statement tracks how PNB's cash moves through operations, investing, and financing activities. Free cash flow — operating cash minus capital expenditure — shows what is available to return to shareholders.

Data from audited consolidated filings. For educational purposes only — not investment advice. Last update: Mar-2026