Bank Pan Indonesia Tbk (PNBN) - Net Assets

Latest as of December 2025: Rp58.77 Trillion IDR ≈ $3.44 Billion USD

Based on the latest financial reports, Bank Pan Indonesia Tbk (PNBN) has net assets worth Rp58.77 Trillion IDR (≈ $3.44 Billion USD) 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 ≈ $13.91 Billion USD) and total liabilities (Rp178.55 Trillion ≈ $10.46 Billion USD). 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. Check PNBN financial resilience to evaluate the company's liquid asset resilience ratio.

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. Also explore Bank Pan Indonesia Tbk total assets for the complete picture of this company's asset base.

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. For live valuation and market cap data, see Bank Pan Indonesia Tbk (PNBN) market capitalisation.

Year	Net Assets	Change
2025-12-31	Rp58.77 Trillion ≈ $3.44 Billion	+4.82%
2024-12-31	Rp56.07 Trillion ≈ $3.29 Billion	+5.17%
2023-12-31	Rp53.31 Trillion ≈ $3.12 Billion	+5.12%
2022-12-31	Rp50.72 Trillion ≈ $2.97 Billion	+4.47%
2021-12-31	Rp48.55 Trillion ≈ $2.84 Billion	+2.29%
2020-12-31	Rp47.46 Trillion ≈ $2.78 Billion	+6.79%
2019-12-31	Rp44.44 Trillion ≈ $2.60 Billion	+9.07%
2018-12-31	Rp40.75 Trillion ≈ $2.39 Billion	+12.29%
2017-12-31	Rp36.29 Trillion ≈ $2.13 Billion	+6.10%
2016-12-31	Rp34.20 Trillion ≈ $2.00 Billion	+11.02%
2015-12-31	Rp30.81 Trillion ≈ $1.81 Billion	+32.62%
2014-12-31	Rp23.23 Trillion ≈ $1.36 Billion	+16.39%
2013-12-31	Rp19.96 Trillion ≈ $1.17 Billion	+13.09%
2012-12-31	Rp17.65 Trillion ≈ $1.03 Billion	+11.08%
2011-12-31	Rp15.89 Trillion ≈ $930.98 Million	+19.35%
2010-12-31	Rp13.31 Trillion ≈ $780.05 Million	+14.30%
2009-12-31	Rp11.65 Trillion ≈ $682.47 Million	+33.46%
2008-12-31	Rp8.73 Trillion ≈ $511.36 Million	+4.89%
2007-12-31	Rp8.32 Trillion ≈ $487.51 Million	+16.93%
2006-12-31	Rp7.12 Trillion ≈ $416.92 Million	+47.72%
2005-12-31	Rp4.82 Trillion ≈ $282.24 Million	-1.28%
2004-12-31	Rp4.88 Trillion ≈ $285.90 Million	--

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
Jungheinrich AG O.N.VZO XETRA:JUN3	$1.44 Billion
Res Robex Inc V:RBX	$1.44 Billion
Amore Group KO:002790	$1.44 Billion
FAP Agri Tbk PT JK:FAPA	$1.44 Billion
Sundaram Finance Holdings Limited NSE:SUNDARMHLD	$1.44 Billion
Daxin Materials Corp TW:5234	$1.44 Billion
JM Financial Limited NSE:JMFINANCIL	$1.44 Billion
Siglent Technologies Co Ltd SHG:688112	$1.44 Billion

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: 0.45x
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 3.62x to 0.45x 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	Rp1020.00	x
2005-12-31	Rp272.92	Rp1020.00	x
2006-12-31	Rp360.32	Rp1020.00	x
2007-12-31	Rp346.86	Rp1020.00	x
2008-12-31	Rp363.27	Rp1020.00	x
2009-12-31	Rp481.18	Rp1020.00	x
2010-12-31	Rp508.13	Rp1020.00	x
2011-12-31	Rp591.22	Rp1020.00	x
2012-12-31	Rp681.03	Rp1020.00	x
2013-12-31	Rp770.11	Rp1020.00	x
2014-12-31	Rp870.80	Rp1020.00	x
2015-12-31	Rp1177.00	Rp1020.00	x
2016-12-31	Rp1312.49	Rp1020.00	x
2017-12-31	Rp1410.76	Rp1020.00	x
2018-12-31	Rp1567.03	Rp1020.00	x
2019-12-31	Rp1717.67	Rp1020.00	x
2020-12-31	Rp1836.40	Rp1020.00	x
2021-12-31	Rp1887.15	Rp1020.00	x
2022-12-31	Rp1968.35	Rp1020.00	x
2023-12-31	Rp2063.50	Rp1020.00	x
2024-12-31	Rp2172.25	Rp1020.00	x
2025-12-31	Rp2283.73	Rp1020.00	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: $2,930,214,054,600
Average return on equity (ROE) among peers: 0.93%

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	$1.44 Billion
Bank Rakyat Indonesia Agroniaga (AGRO)	$235.09 Billion	0.00%	11.64x	$262.39 Million
Bank Agris Tbk (AGRS)	$567.10 Billion	0.69%	6.44x	$196.33 Million
Bank Amar Indonesia (AMAR)	$3.34 Trillion	6.44%	0.46x	$208.99 Million
Bank Artos Indonesia Tbk PT (ARTO)	$105.09 Billion	0.00%	3.34x	$1.06 Billion
Bank Mnc Internasional Tbk (BABP)	$268.38 Billion	11.79%	13.17x	$132.86 Million
Bank Capital Indonesia Tbk (BACA)	$1.64 Trillion	3.74%	11.33x	$160.18 Million
Bank Net Indonesia Syariah Tbk PT (BANK)	$754.61 Billion	-39.01%	1.31x	$502.76 Million
Bank Central Asia Tbk (BBCA)	$15.85 Trillion	22.70%	8.48x	$42.25 Billion
Bk Harda Internasional Tbk Pt (BBHI)	$299.77 Billion	-12.19%	7.43x	$1.62 Billion
Bank Bukopin Tbk (BBKP)	$6.24 Trillion	15.16%	10.12x	$671.50 Million

About Bank Pan Indonesia Tbk

JK:PNBN Indonesia Banks - Regional

Market Cap

$1.44 Billion

Rp24.55 Trillion IDR

Market Cap Rank

#7554 Global

#75 in Indonesia

Share Price

Rp1020.00

Change (1 day)

+0.00%

52-Week Range

Rp935.00 - Rp1555.00

All Time High

Rp2780.00