Bank Pan Indonesia Tbk Cash Flow Quality Index
Bank Pan Indonesia Tbk cash flow quality index. Bank Pan Indonesia Tbk (PNBN) has a Cash Flow Quality Index of 0.59x as of June 2026. Operating cash flow of Rp391.73 Billion is below net income of Rp664.84 Billion, suggesting accrual-heavy earnings not yet converted to cash. Explore Bank Pan Indonesia Tbk cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of Bank Pan Indonesia Tbk (2004–2025)
Cash flow quality index of Bank Pan Indonesia Tbk from 2004 to 2025. Historical Cash Flow Quality Index for Bank Pan Indonesia Tbk across 22 annual periods. Values consistently above 1.0x indicate high-quality earnings. See Bank Pan Indonesia Tbk balance sheet quality to measure how much of total assets are equity-financed.
Bank Pan Indonesia Tbk Cash Flow Quality Index by Year (2004–2025)
Bank Pan Indonesia Tbk cash flow quality index by year from 2004 to 2025. Year-by-year earnings quality comparison for Bank Pan Indonesia Tbk. For the full cash flow conversion analysis, see PNBN cash flow metrics.
| 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 | — |