Punjab National Bank (NSE:PNB)

Accolade Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest Income on Loans	1,252,479	1,240,099	1,090,646	868,453	762,418	819,350
Interest Paid on Deposits	839,959	807,038	685,342	518,170	468,231	508,046
Net Interest Income	434,418	433,060	405,304	350,283	294,188	311,305
Net Interest Income Growth (YoY)	4.60%	6.85%	15.71%	19.07%	-5.50%	73.71%
Gain (Loss) on Sale of Assets	40.7	40.7	66.6	25.8	144	-127.4
Gain (Loss) on Sale of Investments	40,509	40,509	6,149	-10,129	26,693	37,932
Other Non-Interest Income	142,032	123,920	127,079	132,499	94,139	84,544
Total Non-Interest Income	182,581	164,470	133,294	122,396	120,977	122,349
Non-Interest Income Growth (YoY)	34.40%	23.39%	8.90%	1.17%	-1.12%	30.33%
Revenues Before Loan Losses	616,999	597,530	538,599	472,679	415,164	433,654
Provision for Loan Losses	92,054	97,629	117,192	198,629	173,497	206,972
Revenue	524,945	499,901	421,407	274,050	241,667	226,682
Revenue Growth (YoY)	13.02%	18.63%	53.77%	13.40%	6.61%	81.14%
Salaries and Employee Benefits	221,824	215,487	186,432	149,426	119,719	122,967
Occupancy Expenses	32,463	32,463	30,557	30,260	27,612	27,814
Selling, General & Administrative	8,287	8,287	8,196	7,838	7,407	6,636
Other Non-Interest Expense	75,751	69,268	62,905	55,833	50,170	47,741
Total Non-Interest Expense	326,598	314,375	279,807	240,462	202,591	199,736
EBT Excluding Unusual Items	198,346	185,526	141,600	33,588	39,076	26,946
Pretax Income	198,346	185,526	141,600	33,588	39,076	26,946
Income Tax Expense	31,063	-	50,028	-	-	-
Earnings From Continuing Operations	167,283	185,526	91,572	33,588	39,076	26,946
Minority Interest in Earnings	-1,040	-723.2	-499.5	-103.3	-468.5	-1,326
Net Income	166,243	184,803	91,072	33,485	38,607	25,620
Net Income to Common	166,243	184,803	91,072	33,485	38,607	25,620
Net Income Growth	41.59%	102.92%	171.98%	-13.27%	50.69%	484.33%
Basic Shares Outstanding	11,384	11,257	11,011	11,011	10,947	9,706
Diluted Shares Outstanding	11,384	11,257	11,011	11,011	10,947	9,706
Shares Change (YoY)	3.35%	2.23%	-	0.59%	12.78%	77.73%
EPS (Basic)	14.60	16.42	8.27	3.04	3.53	2.64
EPS (Diluted)	14.60	16.42	8.27	3.04	3.53	2.64
EPS Growth	37.00%	98.49%	172.07%	-13.80%	33.61%	229.95%
Dividend Per Share	2.900	2.900	1.500	0.650	0.640	-
Dividend Growth	93.33%	93.33%	130.77%	1.56%	-	-
Effective Tax Rate	15.66%	-	35.33%	-	-	-

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