PNB is a public-sector bank with a very long tail of legacy accounts, and its paperwork shows it. The bank pushes monthly e-statements by email to registered customers — free, and replacing the physical statement once you sign up — so most people's PNB history exists as a stack of twelve encrypted PDFs a year rather than one continuous file. A year's worth of transactions therefore commonly arrives as several separate documents that have to be stitched together in date order without losing or double-counting the rows where they overlap. The amalgamation of Oriental Bank of Commerce and United Bank of India into PNB in 2020 added a second complication: statements spanning that period can carry different account identifiers and layouts.
- Monthly e-statement PDFs convert one at a time, each producing its own CSV you can concatenate.
- Password-protected statements are unlocked with the password you supply, in memory, and the file is never stored.
- Debit and credit stay separate in the output, so the direction of every amount is preserved.
- Each file is reconciled independently against its own printed totals, so a bad slice in a multi-part year is flagged instead of silently averaged away.