Bank Pan Indonesia Tbk (PNBN) — Cash Flow-to-Debt Ratio
Bank Pan Indonesia Tbk (PNBN) has a Cash Flow-to-Debt Ratio of 0.00x as of June 2026, meaning its operating cash flow of Rp391.73 Billion could theoretically repay 0% of its total liabilities (Rp172.19 Trillion) in one year. See PNBN financial flexibility index to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Bank Pan Indonesia Tbk Cash Flow-to-Debt Ratio (2004–2025)
Historical debt coverage capacity for Bank Pan Indonesia Tbk across 22 annual periods. For the full cash flow conversion analysis, see Bank Pan Indonesia Tbk cash flow conversion.
Annual Cash Flow-to-Debt Ratio for Bank Pan Indonesia Tbk (2004–2025)
Year-by-year debt coverage analysis for Bank Pan Indonesia Tbk. Check how high is Bank Pan Indonesia Tbk's earnings quality to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (IDR) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.02x | Rp4.08 Trillion | Rp178.55 Trillion | ▼ -77.4% |
| 2024 | 0.10x | Rp19.02 Trillion | Rp187.89 Trillion | ▲ +341.1% |
| 2023 | 0.02x | Rp3.87 Trillion | Rp168.70 Trillion | ▲ +2050.6% |
| 2022 | 0.00x | Rp-190.26 Billion | Rp161.72 Trillion | ▼ -106.1% |
| 2021 | 0.02x | Rp3.03 Trillion | Rp155.91 Trillion | ▼ -88.1% |
| 2020 | 0.16x | Rp27.90 Trillion | Rp170.61 Trillion | ▲ +1538.1% |
| 2019 | 0.01x | Rp1.67 Trillion | Rp166.85 Trillion | ▲ +114.9% |
| 2018 | -0.07x | Rp-11.14 Trillion | Rp166.46 Trillion | ▼ -52.9% |
| 2017 | -0.04x | Rp-7.76 Trillion | Rp177.25 Trillion | ▼ -56149.6% |
| 2016 | 0.00x | Rp-12.84 Billion | Rp164.97 Trillion | ▼ -100.2% |
| 2015 | 0.04x | Rp5.63 Trillion | Rp152.31 Trillion | ▲ +166.5% |
| 2014 | -0.06x | Rp-8.29 Trillion | Rp149.35 Trillion | ▼ -195.7% |
| 2013 | 0.06x | Rp8.36 Trillion | Rp144.10 Trillion | ▲ +180.4% |
| 2012 | -0.07x | Rp-9.46 Trillion | Rp131.14 Trillion | ▲ +17.8% |
| 2011 | -0.09x | Rp-9.55 Trillion | Rp108.87 Trillion | ▼ -172.0% |
| 2010 | 0.12x | Rp11.65 Trillion | Rp95.64 Trillion | ▲ +7.7% |
| 2009 | 0.11x | Rp7.49 Trillion | Rp66.21 Trillion | ▲ +517.7% |
| 2008 | 0.02x | Rp1.02 Trillion | Rp55.66 Trillion | ▲ +143.3% |
| 2007 | -0.04x | Rp-1.91 Trillion | Rp45.15 Trillion | ▲ +40.7% |
| 2006 | -0.07x | Rp-2.38 Trillion | Rp33.40 Trillion | ▼ -199.1% |
| 2005 | 0.07x | Rp2.31 Trillion | Rp32.10 Trillion | ▲ +150.3% |
| 2004 | 0.03x | Rp548.33 Billion | Rp19.06 Trillion | — |