PT Bank SMBC Indonesia Tbk (BTPN) — Financial Flexibility Index
PT Bank SMBC Indonesia Tbk (BTPN) has a Financial Flexibility Index of -0.03x as of September 2025. Free cash flow of Rp-4.51 Trillion (operating CF Rp-4.60 Trillion minus capex Rp99.59 Billion) represents 0% of total liabilities (Rp178.97 Trillion). Check PT Bank SMBC Indonesia Tbk (BTPN) strategic asset index to assess the company's strategic physical and investment asset allocation.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
PT Bank SMBC Indonesia Tbk Financial Flexibility Index (2006–2024)
Historical Financial Flexibility Index trend for PT Bank SMBC Indonesia Tbk across 19 annual periods. See PT Bank SMBC Indonesia Tbk working capital to net assets to evaluate short-term liquidity relative to the company's equity base.
Annual Financial Flexibility Index for PT Bank SMBC Indonesia Tbk (2006–2024)
Year-by-year free cash flow to debt coverage for PT Bank SMBC Indonesia Tbk. For the full company profile including market capitalisation, see PT Bank SMBC Indonesia Tbk (BTPN) market capitalisation.
| Year | Flexibility Index | Free Cash Flow (IDR) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2024 | 0.06x | Rp11.41 Trillion | Rp10.83 Trillion | Rp186.35 Trillion | ▲ +663.1% |
| 2023 | -0.01x | Rp-1.74 Trillion | Rp-2.40 Trillion | Rp160.17 Trillion | ▲ +51.1% |
| 2022 | -0.02x | Rp-3.77 Trillion | Rp-4.42 Trillion | Rp169.76 Trillion | ▼ -125.2% |
| 2021 | 0.09x | Rp13.73 Trillion | Rp13.15 Trillion | Rp155.84 Trillion | ▼ -31.3% |
| 2020 | 0.13x | Rp19.28 Trillion | Rp18.66 Trillion | Rp150.20 Trillion | ▲ +271.1% |
| 2019 | -0.08x | Rp-11.27 Trillion | Rp-11.97 Trillion | Rp150.16 Trillion | ▼ -215.5% |
| 2018 | 0.06x | Rp5.36 Trillion | Rp4.59 Trillion | Rp82.55 Trillion | ▲ +165.9% |
| 2017 | 0.02x | Rp1.91 Trillion | Rp1.13 Trillion | Rp78.29 Trillion | ▼ -45.5% |
| 2016 | 0.04x | Rp3.37 Trillion | Rp2.68 Trillion | Rp75.06 Trillion | ▼ -27.0% |
| 2015 | 0.06x | Rp4.13 Trillion | Rp3.50 Trillion | Rp67.12 Trillion | ▲ +35.9% |
| 2014 | 0.05x | Rp2.85 Trillion | Rp2.38 Trillion | Rp62.95 Trillion | ▲ +180.7% |
| 2013 | -0.06x | Rp-3.35 Trillion | Rp-3.75 Trillion | Rp59.76 Trillion | ▼ -144.8% |
| 2012 | 0.13x | Rp6.43 Trillion | Rp5.98 Trillion | Rp51.36 Trillion | ▲ +483.1% |
| 2011 | -0.03x | Rp-1.34 Trillion | Rp-1.54 Trillion | Rp41.03 Trillion | ▼ -43.9% |
| 2010 | -0.02x | Rp-688.65 Billion | Rp-765.73 Billion | Rp30.31 Trillion | ▼ -123.9% |
| 2009 | 0.10x | Rp1.93 Trillion | Rp1.84 Trillion | Rp20.23 Trillion | ▲ +66.3% |
| 2008 | 0.06x | Rp691.74 Billion | Rp529.85 Billion | Rp12.08 Trillion | ▲ +1.5% |
| 2007 | 0.06x | Rp527.85 Billion | Rp414.80 Billion | Rp9.35 Trillion | ▲ +43.9% |
| 2006 | 0.04x | Rp214.70 Billion | Rp194.70 Billion | Rp5.47 Trillion | — |