Punjab National Bank (PNB) — Working Capital to Net Assets Ratio
Punjab National Bank (PNB) has a Working Capital to Net Assets ratio of -1017.8% as of December 2025. Working capital of Rs-15.23 Trillion (current assets of Rs1.51 Trillion minus current liabilities of Rs16.74 Trillion) is measured against net assets of Rs1.50 Trillion. A higher ratio indicates strong short-term liquidity financed by the equity base. See Punjab National Bank (PNB) net asset quality to measure how much of total assets are equity-financed.
WC/NA Ratio
Working Capital
Current Assets
Current Liabilities
Punjab National Bank Working Capital to Net Assets (2005–2025)
This chart shows how Punjab National Bank's Working Capital to Net Assets ratio has evolved across 19 annual periods from 2005 to 2025. As of December 2025, the ratio stands at -1017.8%, reflecting working capital of Rs-15.23 Trillion against net assets of Rs1.50 Trillion INR. Check tangible equity quality of Punjab National Bank to evaluate the tangible quality of the company's equity base.
Annual Working Capital to Net Assets for Punjab National Bank (2005–2025)
The table below presents the year-by-year Working Capital to Net Assets ratio for Punjab National Bank from 2005 to 2025, covering 19 annual filings. Each row shows current assets, current liabilities, working capital, net assets, the ratio, and the change in percentage points compared to the prior year. For live market cap and the full company profile, see PNB market cap.
| Year | WC/NA Ratio | Working Capital (INR) | Net Assets | Current Assets | Current Liabilities | Change (pp) |
|---|---|---|---|---|---|---|
| 2025 | -1066.2% | Rs-14.26 Trillion | Rs1.34 Trillion | Rs1.51 Trillion | Rs15.77 Trillion | ▲ +62.3 pp |
| 2024 | -1128.6% | Rs-12.52 Trillion | Rs1.11 Trillion | Rs1.31 Trillion | Rs13.84 Trillion | ▼ -1205.4 pp |
| 2023 | 76.8% | Rs793.99 Billion | Rs1.03 Trillion | Rs828.50 Billion | Rs34.51 Billion | ▲ +27.1 pp |
| 2022 | 49.8% | Rs487.97 Billion | Rs980.55 Billion | Rs515.80 Billion | Rs27.83 Billion | ▼ -25.3 pp |
| 2021 | 75.1% | Rs698.31 Billion | Rs930.21 Billion | Rs725.65 Billion | Rs27.34 Billion | ▲ +12.4 pp |
| 2020 | 62.7% | Rs402.60 Billion | Rs642.37 Billion | Rs419.14 Billion | Rs16.54 Billion | ▼ -119.3 pp |
| 2019 | 182.0% | Rs828.41 Billion | Rs455.18 Billion | Rs846.05 Billion | Rs17.64 Billion | ▼ -1122.9 pp |
| 2018 | 1304.9% | Rs5.65 Trillion | Rs432.85 Billion | Rs5.67 Trillion | Rs18.76 Billion | ▲ +89.8 pp |
| 2017 | 1215.2% | Rs5.34 Trillion | Rs439.45 Billion | Rs5.35 Trillion | Rs14.72 Billion | ▼ -55.5 pp |
| 2016 | 1270.7% | Rs5.40 Trillion | Rs425.33 Billion | Rs5.42 Trillion | Rs19.14 Billion | ▲ +157.6 pp |
| 2015 | 1113.1% | Rs4.74 Trillion | Rs425.88 Billion | Rs4.76 Trillion | Rs15.56 Billion | ▲ +21.1 pp |
| 2014 | 1092.0% | Rs4.21 Trillion | Rs385.16 Billion | Rs4.22 Trillion | Rs15.07 Billion | ▲ +65.7 pp |
| 2013 | 1026.3% | Rs3.58 Trillion | Rs348.35 Billion | Rs3.58 Trillion | Rs9.00 Billion | ▲ +901.3 pp |
| 2010 | 125.0% | Rs236.69 Billion | Rs189.30 Billion | Rs259.78 Billion | Rs23.08 Billion | ▼ -1040.1 pp |
| 2009 | 1165.2% | Rs1.83 Trillion | Rs157.00 Billion | Rs1.86 Trillion | Rs26.45 Billion | ▲ +81.6 pp |
| 2008 | 1083.6% | Rs1.43 Trillion | Rs132.14 Billion | Rs1.45 Trillion | Rs21.13 Billion | ▲ +38.5 pp |
| 2007 | 1045.0% | Rs1.17 Trillion | Rs111.83 Billion | Rs1.18 Trillion | Rs9.51 Billion | ▲ +34.1 pp |
| 2006 | 1010.9% | Rs1.02 Trillion | Rs101.30 Billion | Rs1.04 Trillion | Rs18.14 Billion | ▲ +883.1 pp |
| 2005 | 127.8% | Rs111.20 Billion | Rs87.00 Billion | Rs125.40 Billion | Rs14.19 Billion | — |