Bank Panin Syariah Tbk
PT Bank Panin Dubai Syariah Tbk operates as a sharia commercial bank for retail, commercial, and corporate customers in Indonesia. It accepts demand, time, current, savings, and other forms of deposits. The company offers working capital, house financing, investment, multi-service, and other financing services, as well as cash management, guarantees, clearing, real time gross settlement, transfer… Read more
Bank Panin Syariah Tbk (PNBS) - Net Assets
Latest net assets as of December 2025: Rp2.97 Trillion IDR
Based on the latest financial reports, Bank Panin Syariah Tbk (PNBS) has net assets worth Rp2.97 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 (Rp19.12 Trillion) and total liabilities (Rp16.15 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 | Rp2.97 Trillion |
| % of Total Assets | 15.54% |
| Annual Growth Rate | 22.46% |
| 5-Year Change | -79.39% |
| 10-Year Change | 150.17% |
| Growth Volatility | 179.14 |
Bank Panin Syariah Tbk - Net Assets Trend (2008–2025)
This chart illustrates how Bank Panin Syariah 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 Panin Syariah Tbk (2008–2025)
The table below shows the annual net assets of Bank Panin Syariah Tbk from 2008 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | Rp2.97 Trillion | +4.19% |
| 2024-12-31 | Rp2.85 Trillion | +2.92% |
| 2023-12-31 | Rp2.77 Trillion | +10.61% |
| 2022-12-31 | Rp2.51 Trillion | -82.63% |
| 2021-12-31 | Rp14.42 Trillion | +27.63% |
| 2020-12-31 | Rp11.30 Trillion | +566.71% |
| 2019-12-31 | Rp1.69 Trillion | +1.56% |
| 2018-12-31 | Rp1.67 Trillion | +508.49% |
| 2017-12-31 | Rp274.20 Billion | -76.92% |
| 2016-12-31 | Rp1.19 Trillion | +2.81% |
| 2015-12-31 | Rp1.16 Trillion | +7.83% |
| 2014-12-31 | Rp1.07 Trillion | +103.81% |
| 2013-12-31 | Rp525.80 Billion | +6.96% |
| 2012-12-31 | Rp491.57 Billion | +8.18% |
| 2011-12-31 | Rp454.41 Billion | +216.93% |
| 2010-12-31 | Rp143.38 Billion | -4.76% |
| 2009-12-31 | Rp150.55 Billion | +58.73% |
| 2008-12-31 | Rp94.85 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to Bank Panin Syariah 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 decreased by 103502046800000.0% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Common Stock | Rp3.88 Trillion | 130.61% |
| Other Comprehensive Income | Rp134.78 Billion | 4.54% |
| Total Equity | Rp2.97 Trillion | 100.00% |
Bank Panin Syariah Tbk Competitors by Market Cap
The table below lists competitors of Bank Panin Syariah Tbk ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Dental Corporation Public Company Limited
BK:D
|
$9.07 Million |
|
The Australian Wealth Advisors Group Ltd
AU:WAG
|
$9.07 Million |
|
PT Cilacap Samudera Fishing Industry Tbk
JK:ASHA
|
$9.07 Million |
|
Pinnacle Food Group Limited Class A Common Shares
NASDAQ:PFAI
|
$9.07 Million |
|
Barunson Entertainment & Arts Corporation
KQ:035620
|
$9.06 Million |
|
Falcon Metals Limited
PINK:FALFF
|
$9.06 Million |
|
Tri Viet Securities Joint Stock Corp
VN:TVB
|
$9.06 Million |
|
Sunrise New Energy Co. Ltd
NASDAQ:EPOW
|
$9.06 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Bank Panin Syariah Tbk's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 2,852,256,529,000 to 2,971,818,617,000, a change of 119,562,088,000 (4.2%).
- Net income of 20,015,962,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 52,182,513,000.
- Other factors increased equity by 47,363,613,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | Rp20.02 Billion | +0.67% |
| Other Comprehensive Income | Rp52.18 Billion | +1.76% |
| Other Changes | Rp47.36 Billion | +1.59% |
| Total Change | Rp- | 4.19% |
Book Value vs Market Value Analysis
This analysis compares Bank Panin Syariah 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: 0.65x
- 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 increased from 0.00x to 0.65x over the analyzed period, suggesting growing market confidence.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2009-12-31 | Rp4480715.86 | Rp50.00 | x |
| 2010-12-31 | Rp4267244.43 | Rp50.00 | x |
| 2011-12-31 | Rp4480616.93 | Rp50.00 | x |
| 2012-12-31 | Rp100.14 | Rp50.00 | x |
| 2013-12-31 | Rp106.39 | Rp50.00 | x |
| 2014-12-31 | Rp108.93 | Rp50.00 | x |
| 2015-12-31 | Rp112.26 | Rp50.00 | x |
| 2016-12-31 | Rp116.09 | Rp50.00 | x |
| 2017-12-31 | Rp27.36 | Rp50.00 | x |
| 2018-12-31 | Rp91.35 | Rp50.00 | x |
| 2019-12-31 | Rp70.73 | Rp50.00 | x |
| 2020-12-31 | Rp80.27 | Rp50.00 | x |
| 2021-12-31 | Rp59.31 | Rp50.00 | x |
| 2022-12-31 | Rp64.55 | Rp50.00 | x |
| 2023-12-31 | Rp71.84 | Rp50.00 | x |
| 2024-12-31 | Rp73.49 | Rp50.00 | x |
| 2025-12-31 | Rp76.57 | Rp50.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Bank Panin Syariah 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): 0.67%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 1.59%
- • Asset Turnover: 0.07x
- • Equity Multiplier: 6.43x
- Recent ROE (0.67%) is above the historical average (-20.15%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2009 | 0.81% | 13.72% | 0.05x | 1.07x | Rp-13.84 Billion |
| 2010 | -5.00% | -53.81% | 0.03x | 3.20x | Rp-21.51 Billion |
| 2011 | 2.04% | 19.29% | 0.05x | 2.25x | Rp-36.03 Billion |
| 2012 | 7.61% | 39.25% | 0.04x | 4.39x | Rp-11.67 Billion |
| 2013 | 4.06% | 15.49% | 0.03x | 7.70x | Rp-31.27 Billion |
| 2014 | 6.61% | 26.85% | 0.04x | 5.79x | Rp-36.34 Billion |
| 2015 | 4.64% | 17.12% | 0.04x | 6.17x | Rp-61.97 Billion |
| 2016 | 1.64% | 6.13% | 0.04x | 7.37x | Rp-99.25 Billion |
| 2017 | -353.34% | -289.91% | 0.04x | 31.47x | Rp-996.27 Billion |
| 2018 | 1.25% | 10.42% | 0.02x | 5.26x | Rp-146.06 Billion |
| 2019 | 0.78% | 7.42% | 0.02x | 6.57x | Rp-156.22 Billion |
| 2020 | 0.00% | 0.08% | 0.01x | 3.63x | Rp-311.44 Billion |
| 2021 | -35.54% | -197.85% | 0.03x | 6.27x | Rp-1.05 Trillion |
| 2022 | 10.00% | 42.82% | 0.04x | 5.90x | Rp-8.81 Million |
| 2023 | 8.16% | 44.04% | 0.03x | 6.21x | Rp-51.33 Billion |
| 2024 | 3.11% | 19.01% | 0.03x | 5.89x | Rp-196.66 Billion |
| 2025 | 0.67% | 1.59% | 0.07x | 6.43x | Rp-277.17 Billion |
Industry Comparison
This section compares Bank Panin Syariah 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 Panin Syariah Tbk (PNBS) | Rp2.97 Trillion | 0.81% | 5.43x | $9.07 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 |