Punjab National Bank Income Statement

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

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	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
Interest Income on Loans	1,322,172	1,307,721	1,240,099	1,090,646	868,453	762,418
Interest Paid on Deposits	888,244	880,694	807,038	685,342	518,170	468,231
Net Interest Income	429,646	427,027	433,060	405,304	350,283	294,188
Net Interest Income Growth	-1.10%	-1.39%	6.85%	15.71%	19.07%	-5.50%
Gain (Loss) on Sale of Assets	71.9	71.9	40.7	66.6	25.8	144
Gain (Loss) on Sale of Investments	44,414	44,414	40,509	6,149	-10,129	26,693
Other Non-Interest Income	131,807	142,426	123,920	127,079	132,499	94,139
Total Non-Interest Income	176,293	186,912	164,470	133,294	122,396	120,977
Non-Interest Income Growth	-3.44%	13.64%	23.39%	8.90%	1.17%	-1.12%
Revenues Before Loan Losses	605,938	613,939	597,530	538,599	472,679	415,164
Provision for Loan Losses	26,929	24,833	11,500	117,192	198,629	173,497
Revenue	579,010	589,106	586,030	421,407	274,050	241,667
Revenue Growth	10.30%	0.53%	39.06%	53.77%	13.40%	6.61%
Salaries and Employee Benefits	183,634	189,923	215,487	186,432	149,426	119,719
Occupancy Expenses	38,284	38,284	32,463	30,557	30,260	27,612
Selling, General & Administrative	8,225	8,225	8,287	8,196	7,838	7,407
Other Non-Interest Expense	76,705	81,858	69,268	62,905	55,833	50,170
Total Non-Interest Expense	291,530	304,580	314,375	279,807	240,462	202,591
EBT Excluding Unusual Items	287,480	284,526	271,655	141,600	33,588	39,076
Pretax Income	287,480	284,526	271,655	141,600	33,588	39,076
Income Tax Expense	66,136	99,859	86,129	50,028	-	-
Earnings From Continuing Operations	221,344	184,667	185,526	91,572	33,588	39,076
Minority Interest in Earnings	-468.4	-740.1	-723.2	-499.5	-103.3	-468.5
Net Income	220,875	183,927	184,803	91,072	33,485	38,607
Net Income to Common	220,875	183,927	184,803	91,072	33,485	38,607
Net Income Growth	32.86%	-0.47%	102.92%	171.98%	-13.27%	50.69%
Basic Shares Outstanding	11,486	11,493	11,257	11,011	11,011	10,947
Diluted Shares Outstanding	11,486	11,493	11,257	11,011	11,011	10,947
Shares Change	0.90%	2.10%	2.23%	-	0.59%	12.78%
EPS (Basic)	19.23	16.00	16.42	8.27	3.04	3.53
EPS (Diluted)	19.23	16.00	16.42	8.27	3.04	3.53
EPS Growth	31.68%	-2.52%	98.49%	172.07%	-13.80%	33.61%
Dividend Per Share	-	3.000	2.900	1.500	0.650	0.640
Dividend Growth	-	3.45%	93.33%	130.77%	1.56%	-
Effective Tax Rate	23.00%	35.10%	31.70%	35.33%	-	-