Bank Pan Indonesia Tbk (PNBN) — 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 debt service capacity to assess how comfortably operating cash covers total debt obligations.
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. For the full cash flow conversion analysis, see Bank Pan Indonesia Tbk cash flow conversion.
Annual Cash Flow Quality Index for Bank Pan Indonesia Tbk (2004–2025)
Year-by-year earnings quality comparison for Bank Pan Indonesia Tbk.
| 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 | — |