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	2016 - 2020
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	2016 - 2020
Net Income	184,803	91,072	33,485	38,607	25,620	Upgrade
Depreciation & Amortization	8,322	8,019	7,541	7,603	8,324	Upgrade
Other Amortization	1,253	1,038	1,508	1,359	1,498	Upgrade
Gain (Loss) on Sale of Assets	-40.7	-66.6	-25.8	-144	127.4	Upgrade
Gain (Loss) on Sale of Investments	-15,661	-7,421	19,668	8,049	6,596	Upgrade
Provision for Credit Losses	14,677	124,138	171,401	157,845	186,837	Upgrade
Change in Other Net Operating Assets	-2,006,517	-1,445,031	-1,404,020	-433,883	-607,435	Upgrade
Other Operating Activities	67,057	68,109	38,134	18,028	38,788	Upgrade
Operating Cash Flow	-1,757,194	-1,168,176	-1,135,205	-204,853	-345,067	Upgrade
Capital Expenditures	-16,014	-11,750	-5,524	-5,364	-7,868	Upgrade
Sale of Property, Plant and Equipment	156.4	313.5	-	-	-	Upgrade
Cash Acquisitions	81.5	-3,628	-1,801	-6,680	-	Upgrade
Income (Loss) Equity Investments	-11,086	-8,032	-2,894	-2,316	-5,422	Upgrade
Other Investing Activities	-0.1	-	-	-	-	Upgrade
Investing Cash Flow	-15,776	-15,064	-7,325	-12,044	-7,868	Upgrade
Long-Term Debt Issued	-	71,020	44,617	24,540	35,051	Upgrade
Long-Term Debt Repaid	-14,255	-	-	-	-	Upgrade
Net Debt Issued (Repaid)	-14,255	71,020	44,617	24,540	35,051	Upgrade
Issuance of Common Stock	49,876	-	-	17,931	37,773	Upgrade
Common Dividends Paid	-16,517	-7,157	-7,047	-	-	Upgrade
Net Increase (Decrease) in Deposit Accounts	1,977,947	888,782	1,361,126	405,176	357,462	Upgrade
Other Financing Activities	-30,487	-28,687	-24,820	-22,156	-18,673	Upgrade
Financing Cash Flow	1,966,564	923,957	1,373,876	425,491	411,614	Upgrade
Net Cash Flow	193,594	-259,283	231,346	208,595	355,787	Upgrade
Free Cash Flow	-1,773,208	-1,179,926	-1,140,729	-210,217	-352,935	Upgrade
Free Cash Flow Margin	-354.71%	-280.00%	-416.25%	-86.99%	-155.70%	Upgrade
Free Cash Flow Per Share	-157.53	-107.16	-103.60	-19.20	-36.36	Upgrade
Cash Interest Paid	31,163	29,701	24,679	22,023	20,095	Upgrade
Cash Income Tax Paid	51,165	18,747	12,042	16,291	3,143	Upgrade

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