Bank Pan Indonesia Tbk (PNBN) — Cash Flow Quality Index
Bank Pan Indonesia Tbk (PNBN) has a Cash Flow Quality Index of 1.62x as of March 2026. Operating cash flow of Rp1.13 Trillion exceeds net income of Rp698.53 Billion, indicating high earnings quality where cash backs reported profits. Explore PNBN long-term investments to assets 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 Pan Indonesia Tbk Cash Flow Quality Index (2004–2025)
Historical Cash Flow Quality Index for Bank Pan Indonesia Tbk across 22 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check PNBN intangible-adjusted equity ratio to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for Bank Pan Indonesia Tbk (2004–2025)
Year-by-year earnings quality comparison for Bank Pan Indonesia Tbk. For live market cap and the full company financial profile, see Bank Pan Indonesia Tbk stock valuation.
| Year | Quality Index | Operating CF (IDR) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.48x | Rp4.08 Trillion | Rp2.75 Trillion | ▼ -78.6% |
| 2024 | 6.95x | Rp19.02 Trillion | Rp2.74 Trillion | ▲ +354.3% |
| 2023 | 1.53x | Rp3.87 Trillion | Rp2.53 Trillion | ▲ +2544.5% |
| 2022 | -0.06x | Rp-190.26 Billion | Rp3.04 Trillion | ▼ -104.3% |
| 2021 | 1.47x | Rp3.03 Trillion | Rp2.06 Trillion | ▼ -83.7% |
| 2020 | 8.99x | Rp27.90 Trillion | Rp3.10 Trillion | ▲ +1690.3% |
| 2019 | 0.50x | Rp1.67 Trillion | Rp3.32 Trillion | ▲ +114.0% |
| 2018 | -3.58x | Rp-11.14 Trillion | Rp3.11 Trillion | ▼ -11.3% |
| 2017 | -3.22x | Rp-7.76 Trillion | Rp2.41 Trillion | ▼ -60156.7% |
| 2016 | -0.01x | Rp-12.84 Billion | Rp2.41 Trillion | ▼ -100.1% |
| 2015 | 4.00x | Rp5.63 Trillion | Rp1.41 Trillion | ▲ +213.6% |
| 2014 | -3.52x | Rp-8.29 Trillion | Rp2.36 Trillion | ▼ -195.2% |
| 2013 | 3.70x | Rp8.36 Trillion | Rp2.26 Trillion | ▲ +182.4% |
| 2012 | -4.49x | Rp-9.46 Trillion | Rp2.11 Trillion | ▲ +3.5% |
| 2011 | -4.65x | Rp-9.55 Trillion | Rp2.05 Trillion | ▼ -156.5% |
| 2010 | 8.24x | Rp11.65 Trillion | Rp1.41 Trillion | ▲ +13.7% |
| 2009 | 7.24x | Rp7.49 Trillion | Rp1.03 Trillion | ▲ +466.7% |
| 2008 | 1.28x | Rp1.02 Trillion | Rp798.01 Billion | ▲ +163.9% |
| 2007 | -2.00x | Rp-1.91 Trillion | Rp954.90 Billion | ▲ +45.3% |
| 2006 | -3.66x | Rp-2.38 Trillion | Rp652.01 Billion | ▼ -180.0% |
| 2005 | 4.57x | Rp2.31 Trillion | Rp505.80 Billion | ▲ +631.1% |
| 2004 | 0.63x | Rp548.33 Billion | Rp877.09 Billion | — |