PT Bank SMBC Indonesia Tbk (BTPN) — Cash Flow-to-Debt Ratio
PT Bank SMBC Indonesia Tbk (BTPN) has a Cash Flow-to-Debt Ratio of -0.03x as of September 2025, meaning its operating cash flow of Rp-4.60 Trillion could theoretically repay 0% of its total liabilities (Rp178.97 Trillion) in one year. See PT Bank SMBC Indonesia Tbk free cash flow ratio to measure how efficiently the company converts operating cash flow to free cash.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
PT Bank SMBC Indonesia Tbk Cash Flow-to-Debt Ratio (2006–2024)
Historical debt coverage capacity for PT Bank SMBC Indonesia Tbk across 19 annual periods. Also explore BTPN year-over-year net asset growth to track the company's year-over-year net asset growth rate.
Annual Cash Flow-to-Debt Ratio for PT Bank SMBC Indonesia Tbk (2006–2024)
Year-by-year debt coverage analysis for PT Bank SMBC Indonesia Tbk. For market capitalisation and broader financial context, see BTPN market cap.
| Year | CF-to-Debt Ratio | Operating CF (IDR) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2024 | 0.06x | Rp10.83 Trillion | Rp186.35 Trillion | ▲ +488.3% |
| 2023 | -0.01x | Rp-2.40 Trillion | Rp160.17 Trillion | ▲ +42.5% |
| 2022 | -0.03x | Rp-4.42 Trillion | Rp169.76 Trillion | ▼ -130.8% |
| 2021 | 0.08x | Rp13.15 Trillion | Rp155.84 Trillion | ▼ -32.1% |
| 2020 | 0.12x | Rp18.66 Trillion | Rp150.20 Trillion | ▲ +255.9% |
| 2019 | -0.08x | Rp-11.97 Trillion | Rp150.16 Trillion | ▼ -243.5% |
| 2018 | 0.06x | Rp4.59 Trillion | Rp82.55 Trillion | ▲ +286.2% |
| 2017 | 0.01x | Rp1.13 Trillion | Rp78.29 Trillion | ▼ -59.8% |
| 2016 | 0.04x | Rp2.68 Trillion | Rp75.06 Trillion | ▼ -31.4% |
| 2015 | 0.05x | Rp3.50 Trillion | Rp67.12 Trillion | ▲ +37.6% |
| 2014 | 0.04x | Rp2.38 Trillion | Rp62.95 Trillion | ▲ +160.4% |
| 2013 | -0.06x | Rp-3.75 Trillion | Rp59.76 Trillion | ▼ -153.9% |
| 2012 | 0.12x | Rp5.98 Trillion | Rp51.36 Trillion | ▲ +409.4% |
| 2011 | -0.04x | Rp-1.54 Trillion | Rp41.03 Trillion | ▼ -48.9% |
| 2010 | -0.03x | Rp-765.73 Billion | Rp30.31 Trillion | ▼ -127.7% |
| 2009 | 0.09x | Rp1.84 Trillion | Rp20.23 Trillion | ▲ +107.7% |
| 2008 | 0.04x | Rp529.85 Billion | Rp12.08 Trillion | ▼ -1.1% |
| 2007 | 0.04x | Rp414.80 Billion | Rp9.35 Trillion | ▲ +24.7% |
| 2006 | 0.04x | Rp194.70 Billion | Rp5.47 Trillion | — |