PNB Key Ratios

Efficiency Ratios

Metric	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Cost Income Ratio	44.49%	47.31%	49.36%	51.48%	53.49%
Core Cost Income Ratio	47.47%	51.84%	52.75%	50.40%	54.11%
Operating Costs to Assets	1.43%	1.60%	1.53%	1.63%	1.80%

Metric	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
ROE	0.72%	2.98%	4.18%	3.32%	8.48%
ROCE	3.04%	5.39%	5.34%	5.86%	10.82%
ROA	0.04%	0.20%	0.28%	0.22%	0.54%