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 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Net Income	183,927	184,803	91,072	33,485	38,607
Depreciation & Amortization	12,812	8,322	8,019	7,541	7,603
Other Amortization	-	1,253	1,038	1,508	1,359
Gain (Loss) on Sale of Assets	-71.9	-40.7	-66.6	-25.8	-144
Gain (Loss) on Sale of Investments	-17,586	-15,661	-7,421	19,668	8,049
Provision for Credit Losses	20,408	14,677	124,138	171,401	157,845
Change in Other Net Operating Assets	-1,551,907	-2,006,517	-1,445,031	-1,404,020	-433,883
Other Operating Activities	144,726	67,057	68,109	38,134	18,028
Operating Cash Flow	-1,221,401	-1,757,194	-1,168,176	-1,135,205	-204,853
Capital Expenditures	-16,246	-16,014	-11,750	-5,524	-5,364
Sale of Property, Plant and Equipment	415	156.4	313.5	-	-
Cash Acquisitions	-	81.5	-3,628	-1,801	-6,680
Investment in Securities	9,741	-	-	-	-
Income (Loss) Equity Investments	-13,709	-11,086	-8,032	-2,894	-2,316
Other Investing Activities	-	-0.1	-	-	-
Investing Cash Flow	-6,090	-15,776	-15,064	-7,325	-12,044
Long-Term Debt Issued	-	-	71,020	44,617	24,540
Long-Term Debt Repaid	-54,890	-14,255	-	-	-
Net Debt Issued (Repaid)	-54,890	-14,255	71,020	44,617	24,540
Issuance of Common Stock	-	49,876	-	-	17,931
Common Dividends Paid	-33,249	-16,517	-7,157	-7,047	-
Net Increase (Decrease) in Deposit Accounts	1,477,755	1,977,947	888,782	1,361,126	405,176
Other Financing Activities	-28,501	-30,487	-28,687	-24,820	-22,156
Financing Cash Flow	1,361,115	1,966,564	923,957	1,373,876	425,491
Net Cash Flow	133,624	193,594	-259,283	231,346	208,595
Free Cash Flow	-1,237,647	-1,773,208	-1,179,926	-1,140,729	-210,217
Free Cash Flow Margin	-210.09%	-354.71%	-280.00%	-416.25%	-86.99%
Free Cash Flow Per Share	-107.66	-157.53	-107.16	-103.60	-19.20
Cash Interest Paid	29,112	31,163	29,701	24,679	22,023
Cash Income Tax Paid	313.5	51,165	18,747	12,042	16,291

Source: S&P Global Market Intelligence. Banks template. Financial Sources.