Panin Financial Tbk - Asset Resilience Ratio

Latest as of June 2025: 13.19%

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. See how liquid is Panin Financial Tbk's working capital to evaluate short-term liquidity relative to the company's equity base.

Liquid Assets

Rp31.87 Trillion

≈ $1.87 Billion USD Cash + Short-term Investments

Total Assets

Rp241.55 Trillion

≈ $14.15 Billion USD All company assets

Resilience Assessment

Moderate

Financial Resilience Level

Asset Resilience Ratio Trend (2005–2024)

This chart shows how Panin Financial Tbk's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see Panin Financial Tbk assets under control.

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. Explore investment intensity of Panin Financial Tbk to see how much of total assets are deployed in long-term investments.

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
Santander Bank Polska S.A. WAR:SPL	Banks - Regional	4.41%
Banco Santander Chile NYSE:BSAC	Banks - Regional	7.94%
Bank of Baroda NSE:BANKBARODA	Banks - Regional	-12.63%
Turkiye Is Bankasi AS Class C IS:ISCTR	Banks - Regional	-38.78%
Ringkjoebing Landbobank A/S CO:RILBA	Banks - Regional	0.03%
ABSA Bank Limited JSE:ABSP	Banks - Regional	2.72%
Mechanics Bank NASDAQ:MCHB	Banks - Regional	18.39%
Laurentian Bank Of Canada TO:LB	Banks - Regional	0.55%

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 ≈ $4.03 Billion	Rp257.06 Trillion ≈ $15.06 Billion	+16.54pp
2023-12-31	10.19%	Rp23.90 Trillion ≈ $1.40 Billion	Rp234.49 Trillion ≈ $13.74 Billion	-7.20pp
2022-12-31	17.39%	Rp5.89 Trillion ≈ $345.04 Million	Rp33.87 Trillion ≈ $1.98 Billion	-6.91pp
2021-12-31	24.30%	Rp8.07 Trillion ≈ $472.63 Million	Rp33.19 Trillion ≈ $1.94 Billion	-0.50pp
2020-12-31	24.80%	Rp8.03 Trillion ≈ $470.65 Million	Rp32.38 Trillion ≈ $1.90 Billion	+4.01pp
2019-12-31	20.79%	Rp6.30 Trillion ≈ $369.00 Million	Rp30.29 Trillion ≈ $1.77 Billion	-1.13pp
2018-12-31	21.92%	Rp6.19 Trillion ≈ $362.91 Million	Rp28.25 Trillion ≈ $1.66 Billion	-0.86pp
2017-12-31	22.78%	Rp6.03 Trillion ≈ $353.33 Million	Rp26.47 Trillion ≈ $1.55 Billion	-2.83pp
2016-12-31	25.61%	Rp6.40 Trillion ≈ $374.81 Million	Rp24.97 Trillion ≈ $1.46 Billion	+19.78pp
2015-12-31	5.84%	Rp1.16 Trillion ≈ $67.96 Million	Rp19.87 Trillion ≈ $1.16 Billion	+2.98pp
2014-12-31	2.85%	Rp559.08 Billion ≈ $32.76 Million	Rp19.59 Trillion ≈ $1.15 Billion	+0.31pp
2013-12-31	2.55%	Rp412.46 Billion ≈ $24.17 Million	Rp16.19 Trillion ≈ $948.91 Million	-1.55pp
2012-12-31	4.10%	Rp481.95 Billion ≈ $28.24 Million	Rp11.75 Trillion ≈ $688.72 Million	-31.95pp
2011-12-31	36.05%	Rp3.79 Trillion ≈ $222.06 Million	Rp10.51 Trillion ≈ $615.91 Million	+34.99pp
2010-12-31	1.06%	Rp86.50 Billion ≈ $5.07 Million	Rp8.14 Trillion ≈ $477.21 Million	-1.14pp
2009-12-31	2.20%	Rp156.07 Billion ≈ $9.15 Million	Rp7.08 Trillion ≈ $414.77 Million	-1.44pp
2008-12-31	3.64%	Rp215.80 Billion ≈ $12.65 Million	Rp5.92 Trillion ≈ $346.95 Million	+2.07pp
2007-12-31	1.58%	Rp103.49 Billion ≈ $6.06 Million	Rp6.56 Trillion ≈ $384.22 Million	-2.21pp
2006-12-31	3.78%	Rp195.31 Billion ≈ $11.44 Million	Rp5.16 Trillion ≈ $302.45 Million	-23.76pp
2005-12-31	27.55%	Rp711.27 Billion ≈ $41.68 Million	Rp2.58 Trillion ≈ $151.31 Million	--

pp = percentage points

About Panin Financial Tbk

JK:PNLF Indonesia Banks - Regional

Market Cap

$416.55 Million

Rp7.11 Trillion IDR

Market Cap Rank

#13273 Global

#164 in Indonesia

Share Price

Rp222.00

Change (1 day)

+0.91%

52-Week Range

Rp195.00 - Rp334.00

All Time High

Rp745.00