Bank Panin Syariah Tbk (PNBS) — Financial Flexibility Index
Bank Panin Syariah Tbk (PNBS) has a Financial Flexibility Index of -0.02x as of March 2026. Free cash flow of Rp-253.64 Billion (operating CF Rp-253.79 Billion minus capex Rp140.98 Million) represents 0% of total liabilities (Rp16.72 Trillion). Check how strategically is Bank Panin Syariah Tbk's equity deployed to assess the company's strategic physical and investment asset allocation.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Bank Panin Syariah Tbk Financial Flexibility Index (2009–2025)
Historical Financial Flexibility Index trend for Bank Panin Syariah Tbk across 17 annual periods. See Bank Panin Syariah Tbk current assets vs equity to evaluate short-term liquidity relative to the company's equity base.
Annual Financial Flexibility Index for Bank Panin Syariah Tbk (2009–2025)
Year-by-year free cash flow to debt coverage for Bank Panin Syariah Tbk. For the full company profile including market capitalisation, see Bank Panin Syariah Tbk (PNBS) market capitalisation.
| Year | Flexibility Index | Free Cash Flow (IDR) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.23x | Rp3.66 Trillion | Rp3.64 Trillion | Rp16.15 Trillion | ▲ +506.3% |
| 2024 | -0.06x | Rp-778.97 Billion | Rp-794.28 Billion | Rp13.94 Trillion | ▼ -184.4% |
| 2023 | 0.07x | Rp963.53 Billion | Rp945.03 Billion | Rp14.55 Trillion | ▲ +284.2% |
| 2022 | -0.04x | Rp-441.67 Billion | Rp-465.67 Billion | Rp12.29 Trillion | ▼ -100.0% |
| 2021 | 108.09x | Rp692.12 Billion | Rp687.41 Billion | Rp6.40 Billion | ▲ +128.5% |
| 2020 | -379.38x | Rp-1.61 Trillion | Rp-1.61 Trillion | Rp4.24 Billion | ▼ -4366796.1% |
| 2019 | 0.01x | Rp82.03 Billion | Rp80.65 Billion | Rp9.44 Trillion | ▲ +104.6% |
| 2018 | -0.19x | Rp-1.35 Trillion | Rp-1.36 Trillion | Rp7.10 Trillion | ▼ -695.5% |
| 2017 | 0.03x | Rp267.57 Billion | Rp258.34 Billion | Rp8.36 Trillion | ▲ +204.1% |
| 2016 | -0.03x | Rp-232.85 Billion | Rp-263.29 Billion | Rp7.57 Trillion | ▼ -9.7% |
| 2015 | -0.03x | Rp-167.61 Billion | Rp-175.60 Billion | Rp5.98 Trillion | ▲ +71.7% |
| 2014 | -0.10x | Rp-508.00 Billion | Rp-512.53 Billion | Rp5.13 Trillion | ▼ -141.7% |
| 2013 | 0.24x | Rp836.41 Billion | Rp829.33 Billion | Rp3.53 Trillion | ▲ +55.3% |
| 2012 | 0.15x | Rp251.75 Billion | Rp248.96 Billion | Rp1.65 Trillion | ▲ +139.4% |
| 2011 | -0.39x | Rp-218.58 Billion | Rp-219.23 Billion | Rp564.27 Billion | ▲ +42.5% |
| 2010 | -0.67x | Rp-212.53 Billion | Rp-214.54 Billion | Rp315.33 Billion | ▲ +94.8% |
| 2009 | -13.02x | Rp-144.45 Billion | Rp-149.55 Billion | Rp11.10 Billion | — |