Punjab National Bank Cash Flow Statement

Financials in millions INR. Fiscal year is April - March.

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021
Net Income	184,803	91,072	33,485	38,607	25,620
Depreciation & Amortization	8,322	8,019	7,541	7,603	8,324
Other Amortization	1,253	1,038	1,508	1,359	1,498
Gain (Loss) on Sale of Assets	-40.7	-66.6	-25.8	-144	127.4
Gain (Loss) on Sale of Investments	-15,661	-7,421	19,668	8,049	6,596
Provision for Credit Losses	14,677	124,138	171,401	157,845	186,837
Change in Other Net Operating Assets	-2,006,517	-1,445,031	-1,404,020	-433,883	-607,435
Other Operating Activities	67,057	68,109	38,134	18,028	38,788
Operating Cash Flow	-1,757,194	-1,168,176	-1,135,205	-204,853	-345,067
Capital Expenditures	-16,014	-11,750	-5,524	-5,364	-7,868
Sale of Property, Plant and Equipment	156.4	313.5	-	-	-
Cash Acquisitions	81.5	-3,628	-1,801	-6,680	-
Income (Loss) Equity Investments	-11,086	-8,032	-2,894	-2,316	-5,422
Other Investing Activities	-0.1	-	-	-	-
Investing Cash Flow	-15,776	-15,064	-7,325	-12,044	-7,868
Long-Term Debt Issued	-	71,020	44,617	24,540	35,051
Long-Term Debt Repaid	-14,255	-	-	-	-
Net Debt Issued (Repaid)	-14,255	71,020	44,617	24,540	35,051
Issuance of Common Stock	49,876	-	-	17,931	37,773
Common Dividends Paid	-16,517	-7,157	-7,047	-	-
Net Increase (Decrease) in Deposit Accounts	1,977,947	888,782	1,361,126	405,176	357,462
Other Financing Activities	-30,487	-28,687	-24,820	-22,156	-18,673
Financing Cash Flow	1,966,564	923,957	1,373,876	425,491	411,614
Net Cash Flow	193,594	-259,283	231,346	208,595	355,787
Free Cash Flow	-1,773,208	-1,179,926	-1,140,729	-210,217	-352,935
Free Cash Flow Margin	-354.71%	-280.00%	-416.25%	-86.99%	-155.70%
Free Cash Flow Per Share	-157.53	-107.16	-103.60	-19.20	-36.36
Cash Interest Paid	31,163	29,701	24,679	22,023	20,095
Cash Income Tax Paid	51,165	18,747	12,042	16,291	3,143

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.