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Bank Pan Indonesia Tbk PT PNBN.JK · IDR

Financials · IDX · 🇮🇩 Indonesia

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725

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Close of 9 Nov 2026, in IDR

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At a glance

Figures in IDR, from our data supplier.

FY2025

Revenue, before interest expense

IDR 14.77trn

FY2016FY2025

Net income

IDR 2.75trn

FY2016FY2025

Total assets

IDR 237.33trn

FY2016FY2025

Shareholders' equity

IDR 54.98trn

FY2016FY2025

Income statement

Fiscal years

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue, before interest expenseIDR 14.77trnIDR 16.81trnIDR 15.83trnIDR 15.09trnIDR 16.74trnIDR 19.01trnIDR 18.83trnIDR 18.21trnIDR 18.74trnIDR 18.68trn
Operating incomeIDR 3.94trnIDR 3.65trnIDR 3.78trnIDR 4.09trnIDR 2.51trnIDR 4.07trnIDR 4.60trnIDR 4.57trnIDR 2.96trnIDR 3.31trn
Net incomeIDR 2.75trnIDR 2.74trnIDR 2.53trnIDR 3.04trnIDR 2.06trnIDR 3.10trnIDR 3.32trnIDR 3.11trnIDR 2.41trnIDR 2.41trn
Diluted earnings per share114.48113.70105.14126.3185.67128.83137.70129.22100.1599.86

Balance sheet

At each fiscal year end

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Total assetsIDR 237.33trnIDR 243.96trnIDR 222.01trnIDR 212.43trnIDR 204.46trnIDR 218.07trnIDR 211.29trnIDR 207.20trnIDR 213.54trnIDR 199.18trn
Cash and short-term investmentsIDR 15.48trnIDR 17.85trnIDR 8.63trnIDR 17.35trnIDR 13.77trnIDR 14.74trnIDR 15.36trnIDR 15.87trnIDR 18.29trnIDR 25.55trn
Total liabilitiesIDR 178.55trnIDR 187.89trnIDR 168.70trnIDR 161.72trnIDR 155.91trnIDR 170.61trnIDR 166.85trnIDR 166.46trnIDR 177.25trnIDR 164.97trn
DebtIDR 18.14trnIDR 41.07trnIDR 26.81trnIDR 12.35trnIDR 15.97trnIDR 20.91trnIDR 25.83trnIDR 22.07trnIDR 21.95trnIDR 15.33trn
Shareholders' equityIDR 54.98trnIDR 52.32trnIDR 49.70trnIDR 47.40trnIDR 45.45trnIDR 44.22trnIDR 41.37trnIDR 37.75trnIDR 33.98trnIDR 31.61trn
Shares outstanding24,022m24,082m24,082m24,082m24,088m24,088m24,088m24,088m24,088m24,088m

Latest quarters

By quarter end

Jun 2026Mar 2026Dec 2025Sept 2025Jun 2025Mar 2025Dec 2024Sept 2024
Revenue, before interest expenseIDR 4.11trnIDR 4.32trnIDR 2.15trnIDR 4.25trnIDR 4.29trnIDR 4.25trnIDR 4.18trnIDR 4.37trn
Operating incomeIDR 879.76bnIDR 939.85bnIDR 1.15trnIDR 974.88bnIDR 848.72bnIDR 961.08bnIDR 754.10bnIDR 1.19trn
Net incomeIDR 664.84bnIDR 698.53bnIDR 630.85bnIDR 738.84bnIDR 648.85bnIDR 731.50bnIDR 550.20bnIDR 911.73bn
Diluted earnings per share27.6229.0226.2630.7627.0130.4522.8537.86
Total assetsIDR 229.29trnIDR 225.36trnIDR 237.33trnIDR 226.64trnIDR 228.05trnIDR 228.88trnIDR 243.96trnIDR 230.59trn
Cash and short-term investmentsIDR 6.83trnIDR 10.69trnIDR 6.94trnIDR 13.19trnIDR 13.71trnIDR 13.99trnIDR 17.85trnIDR 12.27trn
DebtIDR 9.37trnIDR 719.35bnIDR 18.14trnIDR 14.87trnIDR 16.32trnIDR 19.98trnIDR 33.16trnIDR 17.98trn
Shareholders' equityIDR 53.33trnIDR 54.29trnIDR 54.98trnIDR 54.14trnIDR 53.10trnIDR 53.25trnIDR 52.32trnIDR 52.16trn

Financial ratios

Data as of 26 Aug 2026

FY2025FY2024FY2023FY2022FY2021FY2020
Operating margin26.6%21.7%23.9%27.1%15.0%21.4%
Net margin18.6%16.3%16.0%20.2%12.3%16.3%
Return on equity5.0%5.2%5.1%6.4%4.5%7.0%
Return on assets1.2%1.1%1.1%1.4%1.0%1.4%
Revenue growth-12.1%6.2%4.9%-9.8%-11.9%0.9%
Earnings growth0.4%8.1%-16.8%47.4%-33.5%-6.4%
Current ratio1.98x0.50x0.15x84.46x106.53x56.73x
Debt to equity0.33x0.63x0.46x0.28x0.41x0.66x
Equity ratio23.2%21.4%22.4%22.3%22.2%20.3%
Interest coverage0.59x0.56x0.70x1.03x0.52x0.55x
Buybacks as a share of market value0.2%0.0%0.0%0.0%0.0%0.0%

Growth per year

Compound annual rate

3 years5 years10 years
Revenue-0.7%-4.9%-1.8%
Operating income-1.3%-0.7%4.8%
Net income-3.3%-2.4%6.9%

Average margins

Over each period

1 year3 years5 years10 years
Operating margin24.0%24.7%22.4%21.0%
Net margin17.4%17.7%16.5%15.2%

Valuation history

At each fiscal year end

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Price to earnings9.416.411.512.29.08.39.78.911.47.5
Price to sales1.82.71.82.51.11.41.71.51.51.0

Dividends and splits

Per share, in the currency the company pays

Paid for 0 years. Last went ex-dividend on 1 Jul 2022.

FY2022FY2005FY2004FY2003FY2001FY2000FY1998FY1997
Paid in the year20.0027.0125.4317.4142.4114.8295.0375.037
  • 1.079-for-1 split · 22 Jun 2004
  • 5-for-2 split · 3 Sept 2002
  • 2-for-1 split · 4 Oct 1999
  • 1.104-for-1 split · 23 Jun 1999
  • 1-to-1 reverse split · 26 Jun 1998
  • 1.02-for-1 split · 13 Jun 1997

Sources and methodology

Data on this tab
Our data supplier
Chart on the Overview
TradingView

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