Bank Pan Indonesia Tbk (PNBN) — Defensive Interval Ratio
Bank Pan Indonesia Tbk (PNBN) has a Defensive Interval Ratio of 592 days as of March 2026. Defensive assets of Rp1.17 Trillion (cash Rp-, short-term investments Rp-, receivables Rp1.17 Trillion) cover 592 days of daily cash needs of Rp1.97 Billion/day. See PNBN working capital efficiency to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Bank Pan Indonesia Tbk Defensive Interval Ratio (2004–2025)
This chart shows how Bank Pan Indonesia Tbk's Defensive Interval Ratio has evolved across 22 annual periods from 2004 to 2025. As of March 2026, the ratio stands at 592 days, meaning defensive assets of Rp1.17 Trillion can fund 592 days of operations without new revenue. See Bank Pan Indonesia Tbk net asset quality index to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for Bank Pan Indonesia Tbk (2004–2025)
The table below presents the year-by-year Defensive Interval Ratio for Bank Pan Indonesia Tbk from 2004 to 2025, covering 22 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see market value of Bank Pan Indonesia Tbk.
| Year | DIR (days) | Defensive Assets (IDR) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 428 days | Rp10.05 Trillion | Rp23.47 Billion/day | Rp- | Rp8.54 Trillion | ▲ +422 days |
| 2024 | 7 days | Rp1.65 Trillion | Rp250.66 Billion/day | Rp- | Rp- | ▲ +40 days |
| 2023 | -33 days | Rp-6.19 Trillion | Rp186.48 Billion/day | Rp- | Rp-7.87 Trillion | ▼ -2543 days |
| 2022 | 2509 days | Rp1.54 Trillion | Rp612.76 Million/day | Rp- | Rp- | ▼ -3203 days |
| 2021 | 5712 days | Rp2.37 Trillion | Rp414.99 Million/day | Rp- | Rp- | ▲ +2837 days |
| 2020 | 2876 days | Rp2.38 Trillion | Rp826.61 Million/day | Rp- | Rp- | ▼ -9522 days |
| 2019 | 12398 days | Rp14.34 Trillion | Rp1.16 Billion/day | Rp- | Rp11.73 Trillion | ▼ -10 days |
| 2018 | 12408 days | Rp16.00 Trillion | Rp1.29 Billion/day | Rp- | Rp13.57 Trillion | ▲ +2889 days |
| 2017 | 9519 days | Rp10.35 Trillion | Rp1.09 Billion/day | Rp- | Rp8.44 Trillion | ▲ +3841 days |
| 2016 | 5678 days | Rp6.73 Trillion | Rp1.19 Billion/day | Rp- | Rp4.58 Trillion | ▲ +472 days |
| 2015 | 5206 days | Rp5.75 Trillion | Rp1.10 Billion/day | Rp- | Rp3.34 Trillion | ▼ -15633 days |
| 2014 | 20839 days | Rp16.90 Trillion | Rp810.88 Million/day | Rp- | Rp14.15 Trillion | ▼ -3125 days |
| 2013 | 23965 days | Rp16.45 Trillion | Rp686.36 Million/day | Rp- | Rp13.45 Trillion | ▼ -6120 days |
| 2012 | 30085 days | Rp25.05 Trillion | Rp832.76 Million/day | Rp- | Rp23.17 Trillion | ▲ +25578 days |
| 2011 | 4507 days | Rp13.69 Trillion | Rp3.04 Billion/day | Rp- | Rp12.10 Trillion | ▼ -229 days |
| 2010 | 4735 days | Rp8.42 Trillion | Rp1.78 Billion/day | Rp- | Rp5.40 Trillion | ▼ -870 days |
| 2009 | 5605 days | Rp10.55 Trillion | Rp1.88 Billion/day | Rp- | Rp8.12 Trillion | ▲ +4629 days |
| 2008 | 976 days | Rp2.86 Trillion | Rp2.93 Billion/day | Rp- | Rp479.36 Billion | ▼ -631 days |
| 2007 | 1607 days | Rp5.15 Trillion | Rp3.21 Billion/day | Rp- | Rp3.44 Trillion | ▲ +1420 days |
| 2006 | 186 days | Rp283.25 Billion | Rp1.52 Billion/day | Rp- | Rp62.20 Billion | ▼ -393 days |
| 2005 | 579 days | Rp396.17 Billion | Rp683.89 Million/day | Rp- | Rp179.81 Billion | ▲ +302 days |
| 2004 | 278 days | Rp151.18 Billion | Rp544.35 Million/day | Rp- | Rp43.73 Billion | — |