Panin Financial Tbk
PT Panin Financial Tbk provides Sharia banking and financial services in Indonesia. It operates in two segments, Life Insurance and Business Consulting Service; and Banking and Multi-finance. The company also offers life insurance products, including death, whole life, annuity, endowment, endowment combine, universal life, unit-linked, personal accident, and health insurance, as well as business … Read more
Panin Financial Tbk - Asset Resilience Ratio
Panin Financial Tbk (PNLF) has an Asset Resilience Ratio of 13.19% as of June 2025. 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
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2005–2024)
This chart shows how Panin Financial Tbk's Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.
Liquid Assets Composition Over Time
This chart breaks down Panin Financial Tbk's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | Rp0.00 | 0% |
| Short-term Investments | Rp31.87 Trillion | 13.19% |
| Total Liquid Assets | Rp31.87 Trillion | 13.19% |
Asset Resilience Insights
- Moderate Liquidity: Panin Financial Tbk has 13.19% of assets in liquid form.
- While adequate for normal operations, this level may limit flexibility during economic stress.
- The company has significant short-term investments, indicating active treasury management.
Panin Financial Tbk Industry Peers by Asset Resilience Ratio
Compare Panin Financial Tbk's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Ping An Bank Co Ltd
SHE:000001 |
Banks - Regional | -6.06% |
|
Bank of Ningbo Co Ltd
SHE:002142 |
Banks - Regional | 6.40% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Bank of Suzhou
SHE:002966 |
Banks - Regional | -8.31% |
|
Jeju Bank
KO:006220 |
Banks - Regional | 2.45% |
|
Industrial Bank Of Korea
KO:024110 |
Banks - Regional | 4.07% |
|
Hana Financial
KO:086790 |
Banks - Regional | 3.29% |
|
PT Bank Sinarmas Tbk
F:08S |
Banks - Regional | 3.70% |
Annual Asset Resilience Ratio for Panin Financial Tbk (2005–2024)
The table below shows the annual Asset Resilience Ratio data for Panin Financial Tbk.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 26.73% | Rp68.71 Trillion | Rp257.06 Trillion | +16.54pp |
| 2023-12-31 | 10.19% | Rp23.90 Trillion | Rp234.49 Trillion | -7.20pp |
| 2022-12-31 | 17.39% | Rp5.89 Trillion | Rp33.87 Trillion | -6.91pp |
| 2021-12-31 | 24.30% | Rp8.07 Trillion | Rp33.19 Trillion | -0.50pp |
| 2020-12-31 | 24.80% | Rp8.03 Trillion | Rp32.38 Trillion | +4.01pp |
| 2019-12-31 | 20.79% | Rp6.30 Trillion | Rp30.29 Trillion | -1.13pp |
| 2018-12-31 | 21.92% | Rp6.19 Trillion | Rp28.25 Trillion | -0.86pp |
| 2017-12-31 | 22.78% | Rp6.03 Trillion | Rp26.47 Trillion | -2.83pp |
| 2016-12-31 | 25.61% | Rp6.40 Trillion | Rp24.97 Trillion | +19.78pp |
| 2015-12-31 | 5.84% | Rp1.16 Trillion | Rp19.87 Trillion | +2.98pp |
| 2014-12-31 | 2.85% | Rp559.08 Billion | Rp19.59 Trillion | +0.31pp |
| 2013-12-31 | 2.55% | Rp412.46 Billion | Rp16.19 Trillion | -1.55pp |
| 2012-12-31 | 4.10% | Rp481.95 Billion | Rp11.75 Trillion | -31.95pp |
| 2011-12-31 | 36.05% | Rp3.79 Trillion | Rp10.51 Trillion | +34.99pp |
| 2010-12-31 | 1.06% | Rp86.50 Billion | Rp8.14 Trillion | -1.14pp |
| 2009-12-31 | 2.20% | Rp156.07 Billion | Rp7.08 Trillion | -1.44pp |
| 2008-12-31 | 3.64% | Rp215.80 Billion | Rp5.92 Trillion | +2.07pp |
| 2007-12-31 | 1.58% | Rp103.49 Billion | Rp6.56 Trillion | -2.21pp |
| 2006-12-31 | 3.78% | Rp195.31 Billion | Rp5.16 Trillion | -23.76pp |
| 2005-12-31 | 27.55% | Rp711.27 Billion | Rp2.58 Trillion | -- |