Bank Pan Indonesia Tbk (PNBN) — Financial Flexibility Index
Bank Pan Indonesia Tbk (PNBN) has a Financial Flexibility Index of 0.01x as of March 2026. Free cash flow of Rp1.57 Trillion (operating CF Rp1.50 Trillion minus capex Rp72.12 Billion) represents 0% of total liabilities (Rp167.23 Trillion). Check Bank Pan Indonesia Tbk strategic capital allocation to assess the company's strategic physical and investment asset allocation.
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. See Bank Pan Indonesia Tbk current assets vs equity to evaluate short-term liquidity relative to the company's equity base.
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. For the full company profile including market capitalisation, see how much is Bank Pan Indonesia Tbk worth.
| 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 | — |