PNB Financial Statements

PNB (PNB) reported revenue of ₹1,404.57B in FY2025 with net income of ₹184.80B. Total assets stood at ₹18.58T and free cash flow was ₹204.74B.

PNB Income Statement

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FY 2021 – FY 2025

Item	Chart	2021	2022	2023	2024	2025
Op. Income Operating Income		818.66B	762.42B	868.45B	1,090.65B	1,240.10B
Other Income		131.24B	120.98B	122.40B	133.29B	164.47B
Total Income		949.91B	883.39B	990.85B	1,223.94B	1,404.57B
Interest Exp. Interest Expenditure		508.05B	468.23B	518.17B	685.34B	807.04B
Op. Expense Operating Expense		205.16B	204.91B	243.36B	288.09B	325.50B
Provisions Provisions & Contingencies		215.18B	173.50B	198.63B	167.22B	97.63B
Net Income		25.62B	38.61B	33.48B	91.07B	184.80B
Dil. Shares Diluted Shares		9.71B	10.95B	11.01B	11.01B	11.26B
Diluted EPS		2.64	3.53	3.04	8.27	16.42

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 2021 – FY 2025

Item	Chart	2021	2022	2023	2024	2025
Cash		442.67B	861.28B	782.14B	653.25B	643.89B
Loans & adv. Loans & advances		6,793.46B	7,337.66B	8,374.59B	9,417.62B	10.86T
Investments		4,043.69B	3,885.86B	4,169.14B	4,464.21B	5,248.40B
Total assets		12.80T	13.39T	14.94T	15.99T	18.58T
Borrowings		522.98B	593.72B	701.49B	725.86B	1,058.07B
Deposits		11.14T	11.54T	12.90T	13.79T	15.77T
Total liabilities		11.87T	12.41T	13.90T	14.88T	17.24T
Total equity		930.21B	980.55B	1,033.40B	1,109.48B	1,337.66B
Total liab. & eq. Total liabilities & equity		12.80T	13.39T	14.94T	15.99T	18.58T

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 2021 – FY 2025

Item	Chart	2021	2022	2023	2024	2025
Net Income		41.94B	47.79B	51.41B	141.10B	184.80B
Operating CF Cash flow Operating Activities		12.40B	200.32B	225.92B	-279.39B	220.75B
Capex Investments in PPE		-7.87B	-5.36B	-5.52B	-11.44B	-16.01B
Investing CF Cash flow Investing Activities		-7.87B	-12.04B	-7.32B	-15.06B	-15.78B
Dividend Paid		0	0	-7.05B	-7.16B	-16.52B
Financing CF Cash flow Financing Activities		54.15B	20.32B	12.75B	35.18B	-11.38B
Cash (start) Cash at beginning of period		777.56B	1,133.34B	1,341.94B	1,573.28B	1,314.00B
Cash (end) Cash at end of period		1,133.34B	1,341.94B	1,573.28B	1,314.00B	1,507.60B
FCF Free Cash Flow		4.53B	194.96B	220.40B	-290.83B	204.74B

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-2025