Bank Permata Tbk (BNLI) — Cash Flow Quality Index
Bank Permata Tbk (BNLI) has a Cash Flow Quality Index of -4.32x as of March 2026. Operating cash flow of Rp-3.98 Trillion is below net income of Rp920.10 Billion, suggesting accrual-heavy earnings not yet converted to cash. Explore BNLI cash generation efficiency to assess how effectively this company generates cash.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Bank Permata Tbk Cash Flow Quality Index (2005–2025)
Historical Cash Flow Quality Index for Bank Permata Tbk across 20 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check BNLI total capital reinvestment ratio to assess the company's total reinvestment commitment from operating cash flow.
Annual Cash Flow Quality Index for Bank Permata Tbk (2005–2025)
Year-by-year earnings quality comparison for Bank Permata Tbk. For live market cap and the full company financial profile, see BNLI stock market capitalisation.
| Year | Quality Index | Operating CF (IDR) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.24x | Rp4.43 Trillion | Rp3.59 Trillion | ▼ -44.1% |
| 2024 | 2.21x | Rp7.88 Trillion | Rp3.57 Trillion | ▲ +118.1% |
| 2023 | -12.19x | Rp-31.51 Trillion | Rp2.59 Trillion | ▼ -244.2% |
| 2022 | 8.46x | Rp17.02 Trillion | Rp2.01 Trillion | ▼ -70.1% |
| 2021 | 28.27x | Rp34.81 Trillion | Rp1.23 Trillion | ▲ +1675.8% |
| 2020 | 1.59x | Rp1.15 Trillion | Rp721.59 Billion | ▲ +227.1% |
| 2019 | -1.25x | Rp-1.88 Trillion | Rp1.50 Trillion | ▲ +76.0% |
| 2018 | -5.21x | Rp-4.70 Trillion | Rp901.25 Billion | ▲ +70.9% |
| 2017 | -17.90x | Rp-13.39 Trillion | Rp748.43 Billion | ▼ -344.5% |
| 2015 | 7.32x | Rp1.81 Trillion | Rp247.11 Billion | ▲ +93.8% |
| 2014 | 3.78x | Rp5.99 Trillion | Rp1.59 Trillion | ▲ +441.9% |
| 2013 | -1.10x | Rp-1.91 Trillion | Rp1.73 Trillion | ▼ -144.4% |
| 2012 | 2.49x | Rp3.40 Trillion | Rp1.37 Trillion | ▼ -48.5% |
| 2011 | 4.83x | Rp5.59 Trillion | Rp1.16 Trillion | ▲ +4.5% |
| 2010 | 4.63x | Rp4.61 Trillion | Rp996.65 Billion | ▲ +161.7% |
| 2009 | -7.49x | Rp-3.60 Trillion | Rp480.15 Billion | ▼ -171.1% |
| 2008 | 10.55x | Rp4.77 Trillion | Rp452.41 Billion | ▲ +17766.8% |
| 2007 | -0.06x | Rp-29.79 Billion | Rp499.02 Billion | ▼ -101.3% |
| 2006 | 4.69x | Rp1.46 Trillion | Rp311.47 Billion | ▲ +147.4% |
| 2005 | -9.91x | Rp-2.92 Trillion | Rp295.00 Billion | — |