Punjab National Bank (PNB) — Net Asset Quality Index
Punjab National Bank (PNB) has a Net Asset Quality Index of 7.4% as of March 2026. This metric measures the proportion of total assets financed by shareholders' equity — total assets of Rs20.33 Trillion minus total liabilities of Rs18.83 Trillion yields net assets of Rs1.51 Trillion. A higher index indicates a stronger, lower-leverage balance sheet. Read PNB total liabilities for a breakdown of total debt and financial obligations.
Quality Index
Net Assets
Total Assets
Total Liabilities
Punjab National Bank Net Asset Quality Index Over Time (2005–2026)
This chart shows how Punjab National Bank's Net Asset Quality Index has evolved across 22 annual periods from 2005 to 2026. As of March 2026, the index stands at 7.4%, representing net assets of Rs1.51 Trillion against total assets of Rs20.33 Trillion INR. For live market cap and overall valuation, see Punjab National Bank market capitalisation.
Annual Net Asset Quality Index for Punjab National Bank (2005–2026)
The table below presents the year-by-year Net Asset Quality Index for Punjab National Bank from 2005 to 2026, covering 22 annual filings. Each row shows total assets, total liabilities, net assets, the quality index percentage, and the change in percentage points compared to the prior year. Check PNB capital-intensive asset ratio to assess the company's strategic physical and investment asset allocation.
| Year | Quality Index | Net Assets (INR) | Total Assets | Total Liabilities | Change (pp) |
|---|---|---|---|---|---|
| 2026 | 7.4% | Rs1.51 Trillion | Rs20.33 Trillion | Rs18.83 Trillion | ▲ +0.2 pp |
| 2025 | 7.2% | Rs1.34 Trillion | Rs18.58 Trillion | Rs17.24 Trillion | ▲ +0.3 pp |
| 2024 | 6.9% | Rs1.11 Trillion | Rs15.99 Trillion | Rs14.88 Trillion | ▲ +0.0 pp |
| 2023 | 6.9% | Rs1.03 Trillion | Rs14.94 Trillion | Rs13.90 Trillion | ▼ -0.4 pp |
| 2022 | 7.3% | Rs980.55 Billion | Rs13.39 Trillion | Rs12.41 Trillion | ▲ +0.1 pp |
| 2021 | 7.3% | Rs930.21 Billion | Rs12.80 Trillion | Rs11.87 Trillion | ▼ -0.3 pp |
| 2020 | 7.5% | Rs642.37 Billion | Rs8.51 Trillion | Rs7.87 Trillion | ▲ +1.8 pp |
| 2019 | 5.8% | Rs455.18 Billion | Rs7.89 Trillion | Rs7.44 Trillion | ▲ +0.2 pp |
| 2018 | 5.6% | Rs432.85 Billion | Rs7.79 Trillion | Rs7.36 Trillion | ▼ -0.4 pp |
| 2017 | 6.0% | Rs439.45 Billion | Rs7.33 Trillion | Rs6.89 Trillion | ▲ +0.0 pp |
| 2016 | 6.0% | Rs425.33 Billion | Rs7.13 Trillion | Rs6.70 Trillion | ▼ -0.7 pp |
| 2015 | 6.7% | Rs425.88 Billion | Rs6.36 Trillion | Rs5.93 Trillion | ▼ 0.0 pp |
| 2014 | 6.7% | Rs385.16 Billion | Rs5.75 Trillion | Rs5.36 Trillion | ▼ -0.3 pp |
| 2013 | 7.0% | Rs348.35 Billion | Rs4.97 Trillion | Rs4.62 Trillion | ▲ +0.7 pp |
| 2012 | 6.3% | Rs295.35 Billion | Rs4.70 Trillion | Rs4.41 Trillion | ▲ +0.3 pp |
| 2011 | 5.9% | Rs229.16 Billion | Rs3.86 Trillion | Rs3.63 Trillion | ▼ -0.3 pp |
| 2010 | 6.2% | Rs189.30 Billion | Rs3.04 Trillion | Rs2.85 Trillion | ▲ +0.0 pp |
| 2009 | 6.2% | Rs157.00 Billion | Rs2.54 Trillion | Rs2.38 Trillion | ▼ -0.3 pp |
| 2008 | 6.5% | Rs132.14 Billion | Rs2.04 Trillion | Rs1.91 Trillion | ▼ -0.2 pp |
| 2007 | 6.7% | Rs111.83 Billion | Rs1.66 Trillion | Rs1.55 Trillion | ▼ -0.1 pp |
| 2006 | 6.8% | Rs101.30 Billion | Rs1.48 Trillion | Rs1.38 Trillion | ▲ +0.0 pp |
| 2005 | 6.8% | Rs87.00 Billion | Rs1.28 Trillion | Rs1.19 Trillion | — |