Bank Pan Indonesia Tbk (PNBN) — Financial Flexibility Index
Bank Pan Indonesia Tbk (PNBN) has a Financial Flexibility Index of 0.00x as of June 2026. Free cash flow of Rp545.97 Billion (operating CF Rp391.73 Billion minus capex Rp154.24 Billion) represents 0% of total liabilities (Rp172.19 Trillion). Check how aggressively does Bank Pan Indonesia Tbk reinvest cash to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Bank Pan Indonesia Tbk Financial Flexibility Index (2004–2025)
Historical Financial Flexibility Index trend for Bank Pan Indonesia Tbk across 22 annual periods. For the full cash flow conversion analysis, see PNBN cash flow conversion.
Annual Financial Flexibility Index for Bank Pan Indonesia Tbk (2004–2025)
Year-by-year free cash flow to debt coverage for Bank Pan Indonesia Tbk. Explore PNBN operating cash flow to total debt to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (IDR) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.02x | Rp4.37 Trillion | Rp4.08 Trillion | Rp178.55 Trillion | ▼ -76.4% |
| 2024 | 0.10x | Rp19.46 Trillion | Rp19.02 Trillion | Rp187.89 Trillion | ▲ +318.7% |
| 2023 | 0.02x | Rp4.17 Trillion | Rp3.87 Trillion | Rp168.70 Trillion | ▲ +2619.8% |
| 2022 | 0.00x | Rp147.09 Billion | Rp-190.26 Billion | Rp161.72 Trillion | ▼ -95.8% |
| 2021 | 0.02x | Rp3.34 Trillion | Rp3.03 Trillion | Rp155.91 Trillion | ▼ -87.1% |
| 2020 | 0.17x | Rp28.25 Trillion | Rp27.90 Trillion | Rp170.61 Trillion | ▲ +978.8% |
| 2019 | 0.02x | Rp2.56 Trillion | Rp1.67 Trillion | Rp166.85 Trillion | ▲ +123.2% |
| 2018 | -0.07x | Rp-11.00 Trillion | Rp-11.14 Trillion | Rp166.46 Trillion | ▼ -53.8% |
| 2017 | -0.04x | Rp-7.62 Trillion | Rp-7.76 Trillion | Rp177.25 Trillion | ▼ -4223.1% |
| 2016 | 0.00x | Rp171.94 Billion | Rp-12.84 Billion | Rp164.97 Trillion | ▼ -97.3% |
| 2015 | 0.04x | Rp5.95 Trillion | Rp5.63 Trillion | Rp152.31 Trillion | ▲ +173.4% |
| 2014 | -0.05x | Rp-7.96 Trillion | Rp-8.29 Trillion | Rp149.35 Trillion | ▼ -185.7% |
| 2013 | 0.06x | Rp8.96 Trillion | Rp8.36 Trillion | Rp144.10 Trillion | ▲ +191.1% |
| 2012 | -0.07x | Rp-8.96 Trillion | Rp-9.46 Trillion | Rp131.14 Trillion | ▲ +20.0% |
| 2011 | -0.09x | Rp-9.29 Trillion | Rp-9.55 Trillion | Rp108.87 Trillion | ▼ -167.9% |
| 2010 | 0.13x | Rp12.02 Trillion | Rp11.65 Trillion | Rp95.64 Trillion | ▲ +6.8% |
| 2009 | 0.12x | Rp7.79 Trillion | Rp7.49 Trillion | Rp66.21 Trillion | ▲ +389.2% |
| 2008 | 0.02x | Rp1.34 Trillion | Rp1.02 Trillion | Rp55.66 Trillion | ▲ +175.0% |
| 2007 | -0.03x | Rp-1.45 Trillion | Rp-1.91 Trillion | Rp45.15 Trillion | ▲ +48.9% |
| 2006 | -0.06x | Rp-2.10 Trillion | Rp-2.38 Trillion | Rp33.40 Trillion | ▼ -179.4% |
| 2005 | 0.08x | Rp2.54 Trillion | Rp2.31 Trillion | Rp32.10 Trillion | ▲ +130.1% |
| 2004 | 0.03x | Rp654.15 Billion | Rp548.33 Billion | Rp19.06 Trillion | — |