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 how much of Bank Permata Tbk's assets are long-term investments 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 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 tangible net worth ratio to evaluate the tangible quality of the company's equity base.
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 market cap of Bank Permata Tbk.
| 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 | — |