Bank Panin Syariah Tbk - Asset Resilience Ratio

Latest as of December 2019: 3.32%

Bank Panin Syariah Tbk (PNBS) has an Asset Resilience Ratio of 3.32% as of December 2019. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing.

Liquid Assets

Rp370.00 Billion

≈ $21.68 Million USD Cash + Short-term Investments

Total Assets

Rp11.14 Trillion

≈ $652.52 Million USD All company assets

Resilience Assessment

Low

Financial Resilience Level

Asset Resilience Ratio Trend (2008–2019)

This chart shows how Bank Panin Syariah Tbk's Asset Resilience Ratio has changed over time. Check Bank Panin Syariah Tbk strategic asset allocation index to assess the company's strategic physical and investment asset allocation.

Liquid Assets Composition Over Time

This chart breaks down Bank Panin Syariah Tbk's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see PNBS market cap overview.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	Rp0.00	0%
Short-term Investments	Rp370.00 Billion	3.32%
Total Liquid Assets	Rp370.00 Billion	3.32%

Asset Resilience Insights

Limited Liquidity: Bank Panin Syariah Tbk maintains only 3.32% of assets in liquid form.
This low level may indicate efficient asset utilization but could pose risks during economic downturns.
The company has significant short-term investments, indicating active treasury management.

Bank Panin Syariah Tbk Industry Peers by Asset Resilience Ratio

Compare Bank Panin Syariah Tbk's asset resilience ratio with other companies in the same industry.

Company	Industry	Asset Resilience Ratio
Deutsche Bank Aktiengesellschaft F:DBK	Banks - Regional	3.17%
Regions Financial Corporation NYSE:RF	Banks - Regional	17.06%
Bank of Hangzhou Co Ltd SHG:600926	Banks - Regional	7.20%
Banco Santander Chile SN:BSANTANDER	Banks - Regional	6.33%
Grupo Financiero Inbursa S.A.B. de C.V MX:GFINBURO	Banks - Regional	2.07%
Synovus Financial Corp NYSE:SNV	Banks - Regional	4.05%
Bank of Queensland Ltd AU:BOQ	Banks - Regional	0.21%
Regional S.A.B. de C.V MX:RA	Banks - Regional	0.00%

Annual Asset Resilience Ratio for Bank Panin Syariah Tbk (2008–2019)

The table below shows the annual Asset Resilience Ratio data for Bank Panin Syariah Tbk.

Year	Asset Resilience Ratio (%)	Liquid Assets	Total Assets	Change
2019-12-31	3.32%	Rp370.00 Billion ≈ $21.68 Million	Rp11.14 Trillion ≈ $652.52 Million	-1.40pp
2018-12-31	4.72%	Rp413.88 Billion ≈ $24.25 Million	Rp8.77 Trillion ≈ $513.95 Million	+2.69pp
2017-12-31	2.03%	Rp175.00 Billion ≈ $10.25 Million	Rp8.63 Trillion ≈ $505.64 Million	-1.97pp
2016-12-31	4.00%	Rp350.00 Billion ≈ $20.51 Million	Rp8.76 Trillion ≈ $513.18 Million	-10.66pp
2015-12-31	14.66%	Rp1.05 Trillion ≈ $61.29 Million	Rp7.13 Trillion ≈ $418.04 Million	-5.18pp
2014-12-31	19.84%	Rp1.23 Trillion ≈ $72.16 Million	Rp6.21 Trillion ≈ $363.68 Million	-11.69pp
2013-12-31	31.53%	Rp1.28 Trillion ≈ $74.88 Million	Rp4.05 Trillion ≈ $237.46 Million	+28.76pp
2012-12-31	2.77%	Rp59.26 Billion ≈ $3.47 Million	Rp2.14 Trillion ≈ $125.42 Million	+1.03pp
2011-12-31	1.74%	Rp17.70 Billion ≈ $1.04 Million	Rp1.02 Trillion ≈ $59.69 Million	-1.51pp
2010-12-31	3.25%	Rp14.91 Billion ≈ $873.40K	Rp458.71 Billion ≈ $26.88 Million	+3.14pp
2009-12-31	0.11%	Rp175.03 Million ≈ $10.26K	Rp161.65 Billion ≈ $9.47 Million	-70.61pp
2008-12-31	70.71%	Rp147.61 Billion ≈ $8.65 Million	Rp208.75 Billion ≈ $12.23 Million	--

pp = percentage points

About Bank Panin Syariah Tbk

JK:PNBS Indonesia Banks - Regional

Market Cap

$113.72 Million

Rp1.94 Trillion IDR

Market Cap Rank

#18642 Global

#307 in Indonesia

Share Price

Rp50.00

Change (1 day)

+0.00%

52-Week Range

Rp50.00 - Rp61.00

All Time High

Rp250.00