Bank Tabungan Negara Persero (BBTN) — Cash Flow Quality Index
Bank Tabungan Negara Persero (BBTN) has a Cash Flow Quality Index of -3.39x as of March 2026. Operating cash flow of Rp-3.76 Trillion is below net income of Rp1.11 Trillion, suggesting accrual-heavy earnings not yet converted to cash. Explore long-term investment intensity of Bank Tabungan Negara Persero to see how much of total assets are deployed in long-term investments.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Bank Tabungan Negara Persero Cash Flow Quality Index (2005–2025)
Historical Cash Flow Quality Index for Bank Tabungan Negara Persero across 21 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check tangible net worth ratio of Bank Tabungan Negara Persero to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for Bank Tabungan Negara Persero (2005–2025)
Year-by-year earnings quality comparison for Bank Tabungan Negara Persero. For live market cap and the full company financial profile, see Bank Tabungan Negara Persero market cap and net worth.
| Year | Quality Index | Operating CF (IDR) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 2.72x | Rp9.54 Trillion | Rp3.50 Trillion | ▲ +193.6% |
| 2024 | -2.91x | Rp-8.76 Trillion | Rp3.01 Trillion | ▼ -253.6% |
| 2023 | 1.89x | Rp6.63 Trillion | Rp3.50 Trillion | ▲ +356.1% |
| 2022 | 0.42x | Rp1.27 Trillion | Rp3.05 Trillion | ▼ -89.7% |
| 2021 | 4.02x | Rp9.55 Trillion | Rp2.38 Trillion | ▼ -75.8% |
| 2020 | 16.64x | Rp26.66 Trillion | Rp1.60 Trillion | ▲ +123.5% |
| 2019 | -70.86x | Rp-14.83 Trillion | Rp209.26 Billion | ▼ -8154.5% |
| 2018 | -0.86x | Rp-2.41 Trillion | Rp2.81 Trillion | ▼ -967.2% |
| 2017 | 0.10x | Rp299.69 Billion | Rp3.03 Trillion | ▼ -97.4% |
| 2016 | 3.74x | Rp9.78 Trillion | Rp2.62 Trillion | ▲ +304.9% |
| 2015 | 0.92x | Rp1.71 Trillion | Rp1.85 Trillion | ▲ +150.2% |
| 2014 | -1.84x | Rp-2.05 Trillion | Rp1.12 Trillion | ▼ -116.2% |
| 2013 | -0.85x | Rp-1.33 Trillion | Rp1.56 Trillion | ▼ -162.8% |
| 2012 | 1.35x | Rp1.84 Trillion | Rp1.36 Trillion | ▼ -68.8% |
| 2011 | 4.34x | Rp4.85 Trillion | Rp1.12 Trillion | ▲ +240.3% |
| 2010 | -3.09x | Rp-2.83 Trillion | Rp915.94 Billion | ▼ -204.0% |
| 2009 | 2.97x | Rp1.46 Trillion | Rp490.45 Billion | ▲ +863.4% |
| 2008 | -0.39x | Rp-167.74 Billion | Rp430.47 Billion | ▼ -163.1% |
| 2007 | 0.62x | Rp248.40 Billion | Rp402.02 Billion | ▲ +141.7% |
| 2006 | -1.48x | Rp-540.37 Billion | Rp364.67 Billion | ▼ -744.7% |
| 2005 | 0.23x | Rp100.37 Billion | Rp436.70 Billion | — |