General information about company |
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|---|---|
| Scrip code | 532461 |
| NSE Symbol | PNB |
| MSEI Symbol | NOTLISTED |
| ISIN | INE160A01022 |
| Name of bank | Punjab National Bank |
| Class of security | Equity |
| Date of start of financial year | 01-Apr-2024 |
| Date of end of financial year | 31-Mar-2025 |
| Date of board meeting when results were approved | 07-May-2025 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 03-May-2025 |
| Description of presentation currency | INR (in Actuals) |
| Reporting Type | Quarterly |
| Reporting Quarter | Fourth quarter |
| Nature of report standalone or consolidated | Consolidated |
| Whether results are audited or unaudited | Audited |
| Whether results are audited or unaudited for the Year to date for current period ended/year ended | Audited |
| Segment Reporting | Multi segment |
| Description of single segment | |
| Start date and time of board meeting | 07-May-2025 12:25:00 |
| End date and time of board meeting | 07-May-2025 14:20:00 |
| Whether cash flow statement is applicable on company | Yes |
| Type of cash flow statement | Cash Flow Indirect |
| Declaration of unmodified opinion or statement on impact of audit qualification | Declaration of unmodified opinion |
Financial Results - Banking |
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|---|---|---|---|
| Particulars | 3 months/ 6 months ended (dd-mm-yyyy) | Year to date figures for current period ended (dd-mm-yyyy) | |
| A | Date of start of reporting period | 01-Jan-2025 | 01-Apr-2024 |
| B | Date of end of reporting period | 31-Mar-2025 | 31-Mar-2025 |
| C | Whether results are audited or unaudited | Audited | Audited |
| D | Nature of report standalone or consolidated | Consolidated | Consolidated |
| 1 | Interest earned | ||
| Interest or discount on advances or bills | 223905000000 | 867566400000 | |
| Income on investments | 83654400000 | 322406700000 | |
| Interest on balances with reserve bank of India and other inter bank funds | 11441200000 | 35191300000 | |
| Others | 6230300000 | 14934100000 | |
| Total interest earned | 325230900000 | 1240098500000 | |
| 2 | Other income | 47759300000 | 164469600000 |
| 3 | Total income | 372990200000 | 1404568100000 |
| Expenses | |||
| 4 | Interest expenses | 216395000000 | 807038400000 |
| 5 | Operating expenses | ||
| (i) | Employees cost | 58450200000 | 215486900000 |
| (ii) | Details of other operating expenses | ||
| Description of other operating expenses | |||
| 1 | Other operating expenses | 29260400000 | 110017700000 |
| Total other operating Expenses | 29260400000 | 110017700000 | |
| Total Operating Expenses | 87710600000 | 325504600000 | |
| 6 | Total expenditure excluding provisions and contingencies | 304105600000 | 1132543000000 |
| 7 | Operating profit before provision and contingencies | 68884600000 | 272025100000 |
| 8 | Provisions other than tax and contingencies | 3706700000 | 11499700000 |
| 9 | Exceptional items | 0 | 0 |
| 10 | Total profit (loss) from ordinary activities before tax | 65177900000 | 260525400000 |
| 11 | Provision for Tax | 18749200000 | 86129100000 |
| 12 | Net profit (loss) from ordinary activities after tax | 46428700000 | 174396300000 |
| 13 | Extraordinary items net of tax expenses | 0 | 0 |
| 14 | Net profit (loss) for the period | 46428700000 | 174396300000 |
| 15 | Share of profit (loss) of associates | 3683000000 | 11129800000 |
| 16 | Profit (loss) of minority interest | 218800000 | 723200000 |
| 17 | Net Profit (loss) after taxes minority interest and share of profit (loss) of associates | 49892900000 | 184802900000 |
| 18 | Details of equity share capital [Abstract] | ||
| Paid-up equity share capital | 22985900000 | 22985900000 | |
| Face value of equity share capital | 2 | 2 | |
| 19 | Reserve excluding revaluation reserves (as per balance sheet of previous accounting year) | 1225309300000 | |
| 20 | Analytical ratios | ||
| (i) | Percentage of share held by government of India | 70.08 | 70.08 |
| (ii) | Capital adequacy ratio | ||
| CET 1 ratio | 12.38 | 12.38 | |
| Additional Tier 1 ratio | 1.72 | 1.72 | |
| (iii) (a) | Earnings per share before extraordinary items | ||
| Basic earnings per share before extraordinary items | 4.34 | 16.42 | |
| Diluted earnings per share before extraordinary items | 4.34 | 16.42 | |
| (iii) (b) | Earnings per share after extraordinary items | ||
| Basic earnings per share after extraordinary items | 4.34 | 16.42 | |
| Diluted earnings per share after extraordinary items | 4.34 | 16.42 | |
| (iv) | NPA Ratios | ||
| Amount of gross non-performing assets | 0 | 0 | |
| Amount of net non-performing assets | 0 | 0 | |
| % of gross NPAs | 0 | 0 | |
| % of net NPAs | 0 | 0 | |
| Return on assets | 0 | 0 | |
| 21 | Disclosure of notes on financial results by banks | ||
Statement of Asset and Liabilities |
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|---|---|---|---|
| Particulars | Year ended (dd-mm-yyyy) | ||
| Date of start of reporting period | 01-Apr-2024 | ||
| Date of end of reporting period | 31-Mar-2025 | ||
| Whether results are audited or unaudited | Audited | ||
| Nature of report standalone or consolidated | Consolidated | ||
| 1 | Capital and liabilities | ||
| Capital | 22985900000 | ||
| Reserves and surplus | 1308393700000 | ||
| Deposits | 15770198800000 | ||
| Borrowings | 1058065500000 | ||
| Other liabilities and provisions | 415792400000 | ||
| Total Capital Liabilities | 18575436300000 | ||
| 2 | ASSETS | ||
| Cash and Balances with Reserve Bank of India | 643892200000 | ||
| Balances with Banks and money at call and short notice | 863703600000 | ||
| Investments | 5248403100000 | ||
| Advances | 10862731400000 | ||
| Fixed Assets | 130833000000 | ||
| Other Assets | 825873000000 | ||
| Total Assets | 18575436300000 | ||
| Disclosure of notes on assets and liabilities | Textual Information(1) | ||
Text Block |
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| Textual Information(1) | As per PDF submitted | ||
|---|---|---|---|
Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results |
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|---|---|---|---|---|---|---|---|
| Particulars | 3 months/ 6 months ended (dd-mm-yyyy) | Year to date figures for current period ended (dd-mm-yyyy) | |||||
| Date of start of reporting period | 01-Jan-2025 | 01-Apr-2024 | |||||
| Date of end of reporting period | 31-Mar-2025 | 31-Mar-2025 | |||||
| Whether results are audited or unaudited | Audited | Audited | |||||
| Nature of report standalone or consolidated | Consolidated | Consolidated | |||||
| 1 | Segment Revenue (Income) | ||||||
| (net sale/income from each segment should be disclosed) | |||||||
| 1 | Treasury Operations | 106360200000 | 402676000000 | ||||
| 2 | Corporate/wholesale Banking | 155861100000 | 585979900000 | ||||
| 3 | Retail Banking | 98861500000 | 383060400000 | ||||
| 4 | Other Banking Operations | 11907400000 | 32851800000 | ||||
| Total Segment Revenue | 372990200000 | 1404568100000 | |||||
| Less: Inter segment revenue | 0 | 0 | |||||
| Income from operations | 372990200000 | 1404568100000 | |||||
| 2 | Segment Result | ||||||
| Profit (+) / Loss (-) before tax and interest from each segment | |||||||
| 1 | Treasury Operations | 20660100000 | 105239200000 | ||||
| 2 | Corporate/wholesale Banking | 30733800000 | 117940500000 | ||||
| 3 | Retail Banking | 23579900000 | 82937100000 | ||||
| 4 | Other Banking Operations | 4690900000 | 13037700000 | ||||
| Total Profit before tax | 79664700000 | 319154500000 | |||||
| i. Finance cost | 0 | 0 | |||||
| ii. Other Unallocable Expenditure net off Unallocable income | 14486800000 | 58629100000 | |||||
| Profit before tax | 65177900000 | 260525400000 | |||||
| 3 | (Segment Asset - Segment Liabilities) | ||||||
| Segment Asset | |||||||
| 1 | Treasury Operations | 5540202400000 | 5540202400000 | ||||
| 2 | Corporate/wholesale Banking | 7792934400000 | 7792934400000 | ||||
| 3 | Retail Banking | 4356753000000 | 4356753000000 | ||||
| 4 | Other Banking Operations | 474493100000 | 474493100000 | ||||
| Total Segment Assets | 18164382900000 | 18164382900000 | |||||
| Un-allocable Assets | 411053400000 | 411053400000 | |||||
| Net Segment Assets | 18575436300000 | 18575436300000 | |||||
| 4 | Segment Liabilities | ||||||
| Segment Liabilities | |||||||
| 1 | Treasury Operations | 5204775000000 | 5204775000000 | ||||
| 2 | Corporate/wholesale Banking | 7409891000000 | 7409891000000 | ||||
| 3 | Retail Banking | 4153285900000 | 4153285900000 | ||||
| 4 | Other Banking Operations | 435844700000 | 435844700000 | ||||
| Total Segment Liabilities | 17203796600000 | 17203796600000 | |||||
| Un-allocable Liabilities | 40260100000 | 40260100000 | |||||
| Net Segment Liabilities | 17203796600000 | 17203796600000 | |||||
| Disclosure of notes on segments | 1. Segment Liabilities are distributed in the ratio of their respective Segment Assets. 2. Figures of the previous period have been re-grouped/re-classified wherever necessary. 3.As per RBI Circular RBI/2022-23/19 DOR.AUT.REC. 12/22.01.001/2022-23 dated April 07, 2022, for the purpose of disclosure under Accounting Standard 17, Segment Reporting issued by ICAI, Digital Banking Segment has been identified as sub-segment under Retail Banking by Reserve Bank of India (RBI). As on March 31, 2025, 8 (eight) Digital Banking Units (DBUs) of the Bank are operating and the segment information disclosed as Digital Banking under Retail Banking Operations is related to the said DBUs. | ||||||
Cash Flow Statement, Indirect |
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|---|---|---|
| Particulars | Year ended (dd-mm-yyyy) | |
| A | Date of start of reporting period | 01-Jan-2025 |
| B | Date of end of reporting period | 31-Mar-2025 |
| C | Whether results are audited or unaudited | Audited |
| D | Nature of report standalone or consolidated | Consolidated |
| 1 | Statement of cash flows | |
| Cash flows from used in operating activities | ||
| Profit before extraordinary items and tax | ||
| 2 | Adjustments for reconcile profit (loss) | |
| Adjustments to profit (loss) | ||
| Adjustments for finance costs | 0 | |
| Adjustments for depreciation and amortisation expense | -6091000000 | |
| Adjustments for impairment loss reversal of impairment loss recognised in profit or loss | 0 | |
| Adjustments for unrealised foreign exchange losses gains | 0 | |
| Adjustments for dividend income | 0 | |
| Adjustments for share-based payments | 0 | |
| Other adjustments for which cash effects are investing or financing cash flow | 20081700000 | |
| Other adjustments to reconcile profit (loss) | -40700000 | |
| Other adjustments for non-cash items | 15607000000 | |
| Share of profit and loss from partnership firm or association of persons or limited liability partnerships | 0 | |
| Total adjustments to profit (loss) | 29557000000 | |
| 3 | Adjustments for working capital | |
| Adjustments for decrease (increase) in inventories | -732720500000 | |
| Adjustments for decrease (increase) in trade receivables | -1466536300000 | |
| Adjustments for decrease (increase) in other current assets | 1784479800000 | |
| Adjustments for increase (decrease) in trade payables | 346464400000 | |
| Adjustments for increase (decrease) in other current liabilities | 39741700000 | |
| Adjustments for provisions | 0 | |
| Total adjustments for working capital | -28570900000 | |
| Total adjustments for reconcile profit (loss) | 986100000 | |
| Net cash flows from (used in) operations | 261511500000 | |
| Dividends received | 0 | |
| Interest paid | 0 | |
| Interest received | 0 | |
| Income taxes paid (refund) | 51165300000 | |
| Other inflows (outflows) of cash | 10406600000 | |
| Net cash flows from (used in) operating activities before extraordinary items | 220752800000 | |
| Proceeds from extraordinary items | 0 | |
| Payment for extraordinary items | 0 | |
| Net cash flows from (used in) operating activities | 220752800000 | |
| 4 | Cash flows from used in investing activities | |
| Cash flows from losing control of subsidiaries or other businesses | 0 | |
| Cash flows used in obtaining control of subsidiaries or other businesses | -81500000 | |
| Other cash receipts from sales of equity or debt instruments of other entities | 0 | |
| Other cash payments to acquire equity or debt instruments of other entities | 0 | |
| Other cash receipts from sales of interests in joint ventures | 0 | |
| Other cash payments to acquire interests in joint ventures | 0 | |
| Cash receipts from share of profits of partnership firm or association of persons or limited liability partnerships | 0 | |
| Cash payment for investment in partnership firm or association of persons or limited liability partnerships | 0 | |
| Proceeds from sales of tangible assets | 0 | |
| Purchase of tangible assets | 16014100000 | |
| Proceeds from sales of intangible assets | 156400000 | |
| Purchase of intangible assets | 0 | |
| Cash advances and loans made to other parties | 0 | |
| Cash receipts from repayment of advances and loans made to other parties | 0 | |
| Cash payments for future contracts, forward contracts, option contracts and swap contracts | 0 | |
| Cash receipts from future contracts, forward contracts, option contracts and swap contracts | 0 | |
| Dividends received | 0 | |
| Interest received | 0 | |
| Income taxes paid (refund) | 0 | |
| Other inflows (outflows) of cash | -100000 | |
| Proceeds from government grants | 0 | |
| Net cash flows from (used in) investing activities before extraordinary items | -15776300000 | |
| Proceeds from extraordinary items | 0 | |
| Payment for extraordinary items | 0 | |
| Net cash flows from (used in) investing activities | -15776300000 | |
| 5 | Cash flows from used in financing activities | |
| Proceeds from issuing shares | 49875700000 | |
| Proceeds from issuing other equity instruments | 0 | |
| Proceeds from issuing debentures notes bonds etc | 0 | |
| Proceeds from borrowings | 0 | |
| Repayments of borrowings | 14255000000 | |
| Dividends paid | 16516500000 | |
| Interest paid | 31163300000 | |
| Income taxes paid (refund) | 0 | |
| Other inflows (outflows) of cash | 676500000 | |
| Net cash flows from (used in) financing activities before extraordinary items | -11382600000 | |
| Proceeds from extraordinary items | 0 | |
| Payment for extraordinary items | 0 | |
| Net cash flows from (used in) financing activities | -11382600000 | |
| Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes | 193593900000 | |
| 6 | Effect of exchange rate changes on cash and cash equivalents | |
| Effect of exchange rate changes on cash and cash equivalents | 0 | |
| Net increase (decrease) in cash and cash equivalents | 193593900000 | |
| Cash and cash equivalents cash flow statement at beginning of period | 1314001900000 | |
| Cash and cash equivalents cash flow statement at end of period | 1507595800000 | |
Details of Impact of Audit Qualification |
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|---|---|
| Whether results are audited or unaudited | Audited |
| Declaration of unmodified opinion or statement on impact of audit qualification | Declaration of unmodified opinion |
| Auditor's opinion | |
| Declaration pursuant to Regulation 33 (3) (d) of SEBI (LODR) Regulation, 2015: The company declares that its Statutory Auditor/s have issued an Audit Report with unmodified opinion for the period on Standalone results | Yes |
| Sr No. | Audit firm's name | Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI | Certificate valid upto | ||
| 1 | Ummed Jain & Co. | Yes | 31-Jul-2025 | ||
|---|---|---|---|---|---|
| 2 | N K Bhargava & Co. | Yes | 28-Feb-2026 | ||
| 3 | PSD & Associates | Yes | 31-Jan-2026 | ||
| 4 | Prem Gupta & Co. | Yes | 31-Dec-2027 | ||
| 5 | P A & Associates | Yes | 30-Nov-2025 | ||
Financial details |
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| Sr. | Particulars | Audited Figures (as reported before adjusting for qualifications) | Adjusted Figures (audited figures after adjusting for qualifications) |
| 1 | Turnover / Total income | ||
| 2 | Total Expenditure | ||
| 3 | Net Profit/(Loss) | ||
| 4 | Earnings Per Share | ||
| 5 | Total Assets | ||
| 6 | Total Liabilities | ||
| 7 | Net Worth | ||
Any other financial item(s) (as felt appropriate by the management) | |||
Signatories details |
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| Name of CEO / Managing director | |
| Name of CFO | |
| Name of audit committee chairman | |
| Name of statutory auditor | |
| Name of other signatory, if any, with designation | |
| Place | |
| Date | |