Bank Panin Syariah Tbk (PNBS) - Net Assets
Based on the latest financial reports, Bank Panin Syariah Tbk (PNBS) has net assets worth Rp2.97 Trillion IDR (≈ $174.14 Million USD) 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 ≈ $1.12 Billion USD) and total liabilities (Rp16.15 Trillion ≈ $946.08 Million 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 Bank Panin Syariah Tbk (PNBS) liquid assets ratio to evaluate the company's liquid asset resilience ratio.
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. Also explore Bank Panin Syariah Tbk (PNBS) total assets for the complete picture of this company's asset base.
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. For live valuation and market cap data, see Bank Panin Syariah Tbk market capitalisation.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | Rp2.97 Trillion ≈ $174.14 Million |
+4.19% |
| 2024-12-31 | Rp2.85 Trillion ≈ $167.13 Million |
+2.92% |
| 2023-12-31 | Rp2.77 Trillion ≈ $162.39 Million |
+10.61% |
| 2022-12-31 | Rp2.51 Trillion ≈ $146.81 Million |
-82.63% |
| 2021-12-31 | Rp14.42 Trillion ≈ $844.93 Million |
+27.63% |
| 2020-12-31 | Rp11.30 Trillion ≈ $662.01 Million |
+566.71% |
| 2019-12-31 | Rp1.69 Trillion ≈ $99.29 Million |
+1.56% |
| 2018-12-31 | Rp1.67 Trillion ≈ $97.77 Million |
+508.49% |
| 2017-12-31 | Rp274.20 Billion ≈ $16.07 Million |
-76.92% |
| 2016-12-31 | Rp1.19 Trillion ≈ $69.61 Million |
+2.81% |
| 2015-12-31 | Rp1.16 Trillion ≈ $67.71 Million |
+7.83% |
| 2014-12-31 | Rp1.07 Trillion ≈ $62.79 Million |
+103.81% |
| 2013-12-31 | Rp525.80 Billion ≈ $30.81 Million |
+6.96% |
| 2012-12-31 | Rp491.57 Billion ≈ $28.80 Million |
+8.18% |
| 2011-12-31 | Rp454.41 Billion ≈ $26.63 Million |
+216.93% |
| 2010-12-31 | Rp143.38 Billion ≈ $8.40 Million |
-4.76% |
| 2009-12-31 | Rp150.55 Billion ≈ $8.82 Million |
+58.73% |
| 2008-12-31 | Rp94.85 Billion ≈ $5.56 Million |
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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 |
|---|---|
|
Energoaqua a.s.
PR:ENRGA
|
$116.05 Million |
|
Quintain Steel Co Ltd
TW:2017
|
$116.06 Million |
|
JOYCITY Corporation
KQ:067000
|
$116.06 Million |
|
Plotech Co Ltd
TW:6141
|
$116.07 Million |
|
Torimbia Socimi S.A.
MC:YTRM
|
$115.95 Million |
|
Sumber Energi Andalan Tbk PT
JK:ITMA
|
$115.91 Million |
|
NeoVolta Inc. Common Stock
NASDAQ:NEOV
|
$115.81 Million |
|
Quartzsea Acquisition Corporation
NASDAQ:QSEA
|
$115.81 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: 0.67x
- 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 0.67x 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 | Rp51.00 | x |
| 2010-12-31 | Rp4267244.43 | Rp51.00 | x |
| 2011-12-31 | Rp4480616.93 | Rp51.00 | x |
| 2012-12-31 | Rp100.14 | Rp51.00 | x |
| 2013-12-31 | Rp106.39 | Rp51.00 | x |
| 2014-12-31 | Rp108.93 | Rp51.00 | x |
| 2015-12-31 | Rp112.26 | Rp51.00 | x |
| 2016-12-31 | Rp116.09 | Rp51.00 | x |
| 2017-12-31 | Rp27.36 | Rp51.00 | x |
| 2018-12-31 | Rp91.35 | Rp51.00 | x |
| 2019-12-31 | Rp70.73 | Rp51.00 | x |
| 2020-12-31 | Rp80.27 | Rp51.00 | x |
| 2021-12-31 | Rp59.31 | Rp51.00 | x |
| 2022-12-31 | Rp64.55 | Rp51.00 | x |
| 2023-12-31 | Rp71.84 | Rp51.00 | x |
| 2024-12-31 | Rp73.49 | Rp51.00 | x |
| 2025-12-31 | Rp76.57 | Rp51.00 | 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: $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 Panin Syariah Tbk (PNBS) | Rp2.97 Trillion | 0.81% | 5.43x | $115.99 Million |
| 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 Panin Syariah Tbk
PT Bank Panin Dubai Syariah Tbk operates as a sharia commercial bank for retail, commercial, and corporate customers in Indonesia. The company accepts demand, time, current, savings, certificate of deposits, and other forms of deposits. It also provides working capital, investment, and consumer finance; and multi-services, as well as transfer, and ATM services. It operates through a network of br… Read more