PUNJAB NATIONAL BANK (INTERNATIONAL) LIMITED
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Next accounts due
2026-12-31 (in 7mo)
Last filed for 2025-03-31
Confirmation statement due
2027-04-26 (in 11mo)
Last made up 2026-04-12
Watchouts
None on the register
Cash
£87M
USD 116,753,000
-12.9% vs 2024
Net assets
£158M
USD 211,161,000
-1.6% vs 2024
Employees
188
+3.3% vs 2024
Profit before tax
£606K
USD 810,000
-87.1% vs 2024
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2025-03-31
| Metric | Trend | 2024-03-31 | 2025-03-31 |
|---|---|---|---|
| Turnover | £34,400,837 | £32,659,789 | |
| Operating profit | £17,942,738 | £14,003,140 | |
| Profit before tax | £4,693,878 | £605,517 | |
| Net profit | £4,643,044 | £560,664 | |
| Cash | £100,195,859 | £87,278,912 | |
| Total assets less current liabilities | £300,047,096 | £303,061,224 | |
| Net assets | £160,462,735 | £157,853,779 | |
| Equity | £160,462,735 | £157,853,779 | |
| Average employees | 182 | 188 | |
| Wages | £7,940,495 | £9,712,940 | |
| Directors' remuneration | £491,142 | £497,869 |
Figures converted to GBP from USD at 0.748 per USD (Frankfurter spot rate) — hover any figure for the original. — indicates the figure wasn't present under that line item in that period. About these numbers
Year-on-year
FY2024 → FY2025 · period ending 2025-03-31 vs 2024-03-31
-
Turnover
-5.1%
£34,400,837 £32,659,789
-
Cash
-12.9%
£100,195,859 £87,278,912
-
Net assets
-1.6%
£160,462,735 £157,853,779
-
Employees
+3.3%
182 188
-
Operating profit
-22%
£17,942,738 £14,003,140
-
Profit before tax
-87.1%
£4,693,878 £605,517
-
Wages
+22.3%
£7,940,495 £9,712,940
Each % is (latest − prior) ÷ |prior| for the line item as filed. The comparison is only shown when the latest and prior accounts cover broadly equal-length periods — short or long stubs (typical around incorporation or a year-end change) are suppressed rather than misrepresented. Lines a company doesn't report are omitted. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2024-03-31 | 2025-03-31 |
|---|---|---|---|
| Operating margin | 52.2% | 42.9% | |
| Net margin | 13.5% | 1.7% | |
| Return on capital employed | 6.0% | 4.6% | |
| Gearing (liabilities / total assets) | 80.3% | 82.4% | |
| Current ratio | 0.20x | 0.15x | |
| Interest cover | 0.83x | 0.49x |
Margins divide P&L lines by turnover. Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Standalone (parent only)
- Auditor
- Forvis Mazars LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors are satisfied that the Bank has the resources to continue in business in foreseeable future, considering at least 12 months from the date of this report, and that there are no material uncertainties to disclose.”
Significant events
- “Whilst focus within the refreshed strategy is very much on core business growth there will still be active management of the IFRS 9 Stage 3 legacy portfolio where we expect this book to run off by 2028.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
6 active · 39 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| SHAW, Camilla | Secretary | 2016-03-02 | — | — |
| BHANDARI, Sundeep | Director | 2018-07-31 | Sep 1965 | British |
| CHANDRA, Ashok | Director | 2025-02-05 | Dec 1968 | Indian |
| MISHRA, Ritesh | Director | 2024-07-02 | Jun 1976 | Indian |
| NICHOLSON, Julie | Director | 2025-02-19 | Apr 1965 | British |
| PRADHAN, Prabhat Ranjan | Director | 2024-07-24 | Jun 1976 | Indian |
Show 39 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| GREENWOOD, Stephen | Secretary | 2015-10-20 | 2016-03-02 |
| GUPTA, Niraj | Secretary | 2015-05-29 | 2015-09-23 |
| PASSI, Bhupinder Singh | Secretary | 2011-09-02 | 2015-05-29 |
| SHARMA, Sukhdev Raj | Secretary | 2008-12-29 | 2011-09-02 |
| SINGH, Mandanjit | Secretary | 2006-04-13 | 2009-01-30 |
| AHAD, Nehal | Director | 2016-06-23 | 2018-04-19 |
| ANANTHASUBRAMANIAN, Usha | Director | 2016-01-11 | 2017-05-05 |
| AREN, Vibha | Director | 2020-08-06 | 2022-12-02 |
| BALI, Sushma | Director | 2012-03-01 | 2014-11-29 |
| CHAKRABARTY, Kamlesh Chandra, Dr | Director | 2007-07-13 | 2009-06-15 |
| COLEMAN, Nicholas Charles | Director | 2017-03-24 | 2018-12-04 |
| DAS, Antanu | Director | 2016-01-11 | 2019-09-09 |
| DUBEY, Shashi Kant | Director | 2009-04-30 | 2011-12-31 |
| GOEL, Atul Kumar | Director | 2022-03-15 | 2024-12-31 |
| GUPTA, Binay Kumar | Director | 2022-12-01 | 2024-07-02 |
| GUPTA, Niraj | Director | 2015-01-30 | 2015-09-23 |
| GUPTA, Satish Chander | Director | 2006-04-13 | 2007-07-31 |
| HOPTON, David | Director | 2014-01-27 | 2018-01-26 |
| KAMATH, Kasargod Ramachandra | Director | 2010-02-19 | 2014-10-27 |
| KAUL, Arun | Director | 2006-05-10 | 2009-04-23 |
| KENT, Pendarell Hugh | Director | 2007-04-10 | 2013-12-30 |
| KUMARAN, Thyagarajan | Director | 2015-04-08 | 2015-12-15 |
| MALLADI, Swarajya Lakshmi | Director | 2022-12-02 | 2024-05-31 |
| MASHRU, Paresh | Director | 2007-04-10 | 2013-06-02 |
| MCCAIG, Malcolm Graham | Director | 2013-12-06 | 2017-01-31 |
| MEHTA, Shri Sunil | Director | 2017-07-14 | 2019-09-30 |
| MOHANTY, Susanta Kumar | Director | 2016-05-09 | 2016-06-23 |
| MUNDOKULAM, Vasudevan | Director | 2019-05-31 | 2024-12-12 |
| NAYAK, Muddoor Sadananda, Mr. | Director | 2008-02-08 | 2019-05-31 |
| PASSI, Bhupinder Singh | Director | 2011-09-02 | 2015-05-29 |
| RAJEEVA, Rajeeva | Director | 2019-05-07 | 2023-02-03 |
| RAO, Mallikarjuna | Director | 2020-01-31 | 2022-01-31 |
| SHAH, Nalin Govindji | Director | 2007-04-10 | 2008-01-04 |
| SHANKAR, Gauri | Director | 2015-04-08 | 2016-01-15 |
| SHARMA, Sukhdev Raj | Director | 2008-12-29 | 2011-09-02 |
| SINGH, Harwant | Director | 2006-04-13 | 2007-08-07 |
| SINGH, Mandanjit | Director | 2006-04-13 | 2009-01-30 |
| STIRRUP, Adrian John | Director | 2019-04-30 | 2025-07-31 |
| VATS, Ashwini | Director | 2018-07-31 | 2020-08-05 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Punjab National Bank | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 157 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-04-23 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-08-03 | TM01 | officers | Termination director company with name termination date | |
| 2025-08-03 | CH01 | officers | Change person director company with change date | |
| 2025-07-25 | AA | accounts | Accounts with accounts type full | |
| 2025-04-25 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-02-27 | AP01 | officers | Appoint person director company with name date | |
| 2025-02-06 | AP01 | officers | Appoint person director company with name date | |
| 2025-01-08 | TM01 | officers | Termination director company with name termination date | |
| 2024-12-17 | TM01 | officers | Termination director company with name termination date | |
| 2024-08-14 | AA | accounts | Accounts with accounts type full | |
| 2024-07-25 | AP01 | officers | Appoint person director company with name date | |
| 2024-07-03 | AP01 | officers | Appoint person director company with name date | |
| 2024-07-03 | TM01 | officers | Termination director company with name termination date | |
| 2024-06-20 | MORT MISC | mortgage | Mortgage miscellaneous | |
| 2024-06-07 | TM01 | officers | Termination director company with name termination date | |
| 2024-04-17 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-10-02 | AA | accounts | Accounts with accounts type full | |
| 2023-04-25 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-02-13 | TM01 | officers | Termination director company with name termination date | |
| 2022-12-08 | AP01 | officers | Appoint person director company with name date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 4
- Capital events
- 0
- Officers appointed
- 0
- Officers resigned
- 1
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.