Bank Pan Indonesia Tbk

JK:PNBN Indonesia Banks - Regional
Market Cap
$1.48 Billion
Rp24.07 Trillion IDR
Market Cap Rank
#14429 Global
#104 in Indonesia
Share Price
Rp1000.00
Change (1 day)
+0.00%
52-Week Range
Rp995.00 - Rp1705.00
All Time High
Rp2780.00
Categories
Companies in Indonesia Banks - Regional Banking & Financial
About

PT Bank Pan Indonesia Tbk, together with its subsidiaries, engages in providing banking products and services for individuals and businesses in Indonesia and internationally. It operates through Banking and Multi-finance segments. The company offers savings and deposit accounts; savings programs; and credit cards. It also provides loans products, such as KPR Panin, Kredit Exporess, and Referral K… Read more

Bank Pan Indonesia Tbk (PNBN) - Net Assets

Latest net assets as of December 2025: Rp58.77 Trillion IDR

Based on the latest financial reports, Bank Pan Indonesia Tbk (PNBN) has net assets worth Rp58.77 Trillion IDR as of December 2025.

Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (Rp237.33 Trillion) and total liabilities (Rp178.55 Trillion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.

Key Net Assets Metrics

Metric Value
Current Net Assets Rp58.77 Trillion
% of Total Assets 24.76%
Annual Growth Rate 12.58%
5-Year Change 21.06%
10-Year Change 71.85%
Growth Volatility 11.62

Bank Pan Indonesia Tbk - Net Assets Trend (2004–2025)

This chart illustrates how Bank Pan Indonesia Tbk's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.

Annual Net Assets for Bank Pan Indonesia Tbk (2004–2025)

The table below shows the annual net assets of Bank Pan Indonesia Tbk from 2004 to 2025.

Year Net Assets Change
2025-12-31 Rp58.77 Trillion +4.82%
2024-12-31 Rp56.07 Trillion +5.17%
2023-12-31 Rp53.31 Trillion +5.12%
2022-12-31 Rp50.72 Trillion +4.47%
2021-12-31 Rp48.55 Trillion +2.29%
2020-12-31 Rp47.46 Trillion +6.79%
2019-12-31 Rp44.44 Trillion +9.07%
2018-12-31 Rp40.75 Trillion +12.29%
2017-12-31 Rp36.29 Trillion +6.10%
2016-12-31 Rp34.20 Trillion +11.02%
2015-12-31 Rp30.81 Trillion +32.62%
2014-12-31 Rp23.23 Trillion +16.39%
2013-12-31 Rp19.96 Trillion +13.09%
2012-12-31 Rp17.65 Trillion +11.08%
2011-12-31 Rp15.89 Trillion +19.35%
2010-12-31 Rp13.31 Trillion +14.30%
2009-12-31 Rp11.65 Trillion +33.46%
2008-12-31 Rp8.73 Trillion +4.89%
2007-12-31 Rp8.32 Trillion +16.93%
2006-12-31 Rp7.12 Trillion +47.72%
2005-12-31 Rp4.82 Trillion -1.28%
2004-12-31 Rp4.88 Trillion --

Equity Component Analysis

This analysis shows how different components contribute to Bank Pan Indonesia Tbk's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.

Equity Composition Insights

  • Retained earnings have grown by 4435.2% over the analyzed period, indicating profitable operations and earnings retention.

Current Equity Component Breakdown (December 2025)

Component Amount Percentage
Retained Earnings Rp41.29 Trillion 75.12%
Common Stock Rp2.41 Trillion 4.38%
Other Comprehensive Income Rp7.85 Trillion 14.27%
Other Components Rp3.43 Trillion 6.23%
Total Equity Rp54.98 Trillion 100.00%

Bank Pan Indonesia Tbk Competitors by Market Cap

The table below lists competitors of Bank Pan Indonesia Tbk ranked by their market capitalization.

Company Market Cap
Australian Finance Group Ltd
AU:AFG
 		$223.36 Million
Mayville Engineering Co Inc
NYSE:MEC
 		$223.40 Million
Huchems
KO:069260
 		$223.49 Million
Precision Wires India Limited
NSE:PRECWIRE
 		$223.55 Million
Grenevia S.A.
WAR:GEA
 		$223.30 Million
Keystone Electrical (Zhejiang) Co. Ltd. A
SHE:301448
 		$223.26 Million
Kyverna Therapeutics, Inc. Common Stock
NASDAQ:KYTX
 		$223.25 Million
Sinocat Environmental Technology Co Ltd
SHG:688737
 		$223.23 Million

Equity Growth Attribution

This analysis shows how different factors contributed to changes in Bank Pan Indonesia Tbk's equity between the two most recent reporting periods.

Equity Growth Insights

  • From 2024 to 2025, total equity changed from 52,324,350,000,000 to 54,975,014,000,000, a change of 2,650,664,000,000 (5.1%).
  • Net income of 2,750,044,000,000 contributed positively to equity growth.
  • Dividend payments of 1,106,290,000,000 reduced retained earnings.
  • Share repurchases of 20,600,000,000 reduced equity.
  • New share issuances of 6,879,000,000 increased equity.
  • Other comprehensive income increased equity by 862,244,000,000.

Equity Change Factors (2024 to 2025)

Factor Impact Contribution
Net Income Rp2.75 Trillion +5.0%
Dividends Paid Rp1.11 Trillion -2.01%
Share Repurchases Rp20.60 Billion -0.04%
Share Issuances Rp6.88 Billion +0.01%
Other Comprehensive Income Rp862.24 Billion +1.57%
Other Changes Rp158.39 Billion +0.29%
Total Change Rp- 5.07%

Book Value vs Market Value Analysis

This analysis compares Bank Pan Indonesia Tbk's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.

Valuation Insights

  • Current price-to-book ratio: 0.44x
  • The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
  • The price-to-book ratio has decreased from 3.55x to 0.44x over the analyzed period, indicating reduced market premium.

Historical Price-to-Book Ratios

Date Book Value per Share Market Price P/B Ratio
2004-12-31 Rp281.45 Rp1000.00 x
2005-12-31 Rp272.92 Rp1000.00 x
2006-12-31 Rp360.32 Rp1000.00 x
2007-12-31 Rp346.86 Rp1000.00 x
2008-12-31 Rp363.27 Rp1000.00 x
2009-12-31 Rp481.18 Rp1000.00 x
2010-12-31 Rp508.13 Rp1000.00 x
2011-12-31 Rp591.22 Rp1000.00 x
2012-12-31 Rp681.03 Rp1000.00 x
2013-12-31 Rp770.11 Rp1000.00 x
2014-12-31 Rp870.80 Rp1000.00 x
2015-12-31 Rp1177.00 Rp1000.00 x
2016-12-31 Rp1312.49 Rp1000.00 x
2017-12-31 Rp1410.76 Rp1000.00 x
2018-12-31 Rp1567.03 Rp1000.00 x
2019-12-31 Rp1717.67 Rp1000.00 x
2020-12-31 Rp1836.40 Rp1000.00 x
2021-12-31 Rp1887.15 Rp1000.00 x
2022-12-31 Rp1968.35 Rp1000.00 x
2023-12-31 Rp2063.50 Rp1000.00 x
2024-12-31 Rp2172.25 Rp1000.00 x
2025-12-31 Rp2283.73 Rp1000.00 x

Capital Efficiency Dashboard

This dashboard shows how efficiently Bank Pan Indonesia Tbk utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.

Capital Efficiency Insights

  • Current Return on Equity (ROE): 5.00%
  • The company has moderate efficiency in generating returns from equity.
  • DuPont Analysis Breakdown:
  • • Net Profit Margin: 18.61%
  • • Asset Turnover: 0.06x
  • • Equity Multiplier: 4.32x
  • Recent ROE (5.00%) is below the historical average (9.30%), suggesting potential challenges in capital efficiency.

Historical Capital Efficiency Metrics

Year Return on Equity Net Profit Margin Asset Turnover Equity Multiplier Economic Value Added
2004 19.40% 30.80% 0.12x 5.29x Rp424.92 Billion
2005 11.54% 15.31% 0.09x 8.42x Rp67.33 Billion
2006 11.04% 15.66% 0.12x 6.13x Rp68.84 Billion
2007 12.73% 19.29% 0.09x 7.13x Rp204.89 Billion
2008 10.06% 12.10% 0.10x 8.11x Rp4.51 Billion
2009 9.63% 12.43% 0.11x 7.25x Rp-39.65 Billion
2010 11.84% 15.18% 0.09x 8.90x Rp224.98 Billion
2011 12.85% 15.62% 0.09x 8.76x Rp406.23 Billion
2012 12.85% 16.50% 0.09x 9.07x Rp467.11 Billion
2013 12.18% 15.71% 0.09x 8.84x Rp404.93 Billion
2014 11.28% 13.70% 0.10x 8.23x Rp269.33 Billion
2015 4.96% 7.92% 0.10x 6.46x Rp-1.43 Trillion
2016 7.61% 12.88% 0.09x 6.30x Rp-756.20 Billion
2017 7.10% 12.87% 0.09x 6.28x Rp-985.73 Billion
2018 8.25% 17.09% 0.09x 5.49x Rp-662.03 Billion
2019 8.02% 17.61% 0.09x 5.11x Rp-820.61 Billion
2020 7.02% 16.33% 0.09x 4.93x Rp-1.32 Trillion
2021 4.54% 12.33% 0.08x 4.50x Rp-2.48 Trillion
2022 6.42% 20.16% 0.07x 4.48x Rp-1.70 Trillion
2023 5.09% 16.00% 0.07x 4.47x Rp-2.44 Trillion
2024 5.23% 16.29% 0.07x 4.66x Rp-2.49 Trillion
2025 5.00% 18.61% 0.06x 4.32x Rp-2.75 Trillion

Industry Comparison

This section compares Bank Pan Indonesia Tbk's net assets metrics with peer companies in the Banks - Regional industry.

Industry Context

  • Industry: Banks - Regional
  • Average net assets among peers: $6,121,527,008,058
  • Average return on equity (ROE) among peers: -2.22%

Peer Company Comparison

Company Net Assets Return on Equity Debt-to-Equity Market Cap
Bank Pan Indonesia Tbk (PNBN) Rp58.77 Trillion 19.40% 3.04x $223.30 Million
Bank Agris Tbk (AGRS) $567.10 Billion 0.69% 6.44x $17.52 Million
Bank Amar Indonesia  (AMAR) $3.18 Trillion -4.89% 0.42x $6.61 Million
Bank Mnc Internasional Tbk (BABP) $536.71 Billion 3.85% 10.82x $7.22 Million
Bank Net Indonesia Syariah Tbk PT (BANK) $950.85 Billion 4.24% 1.17x $175.00 Million
Bank Central Asia Tbk (BBCA) $12.63 Trillion 18.94% 9.55x $20.04 Billion
Bk Harda Internasional Tbk Pt (BBHI) $336.48 Billion -36.60% 5.73x $251.65 Million
Bank Bukopin Tbk (BBKP) $11.22 Trillion -44.82% 7.02x $111.65 Million
Bank Mestika Dharma Tbk (BBMD) $4.01 Trillion 8.13% 2.53x $15.70 Million
Bank Rakyat Indonesia Persero (BBRI) $27.26 Trillion 26.81% 10.63x $15.34 Billion
PT Bank Bisnis Internasional Tbk (BBSI) $538.46 Billion 1.50% 0.00x $110.21 Million