Bank Panin Syariah Tbk (PNBS) — Tangible Net Worth Ratio
Bank Panin Syariah Tbk (PNBS) has a Tangible Net Worth Ratio of 99.2% as of March 2026. This metric is calculated by deducting intangible assets (Rp24.13 Billion) from net assets (Rp3.00 Trillion) and expressing it as a percentage of total net assets. A higher ratio means that more of the company's equity is backed by tangible, balance-sheet-verifiable assets rather than goodwill, patents, or brand value. See PNBS current assets to equity ratio to evaluate short-term liquidity relative to the company's equity base.
Tangible NW Ratio
Net Assets (Equity)
Intangible Assets
Total Assets
Bank Panin Syariah Tbk Tangible Net Worth Ratio (2008–2025)
This chart shows how Bank Panin Syariah Tbk's Tangible Net Worth Ratio has changed across 18 annual periods from 2008 to 2025. As of March 2026, the ratio stands at 99.2%, reflecting net assets of Rp3.00 Trillion with intangible assets of Rp24.13 Billion IDR. See operational self-sufficiency of Bank Panin Syariah Tbk to measure how many days the company can operate on defensive assets alone.
Annual Tangible Net Worth Ratio for Bank Panin Syariah Tbk (2008–2025)
The table below presents the year-by-year Tangible Net Worth Ratio for Bank Panin Syariah Tbk from 2008 to 2025, covering 18 annual filings. Each row shows net assets, intangible assets, total assets, the tangible net worth ratio, and the change in percentage points versus the prior year. For the full company profile including market capitalisation, see PNBS market cap.
| Year | Tangible NW Ratio | Net Assets (IDR) | Intangible Assets | Total Assets | Change (pp) |
|---|---|---|---|---|---|
| 2025 | 99.2% | Rp2.97 Trillion | Rp24.43 Billion | Rp19.12 Trillion | ▼ -0.1 pp |
| 2024 | 99.2% | Rp2.85 Trillion | Rp21.58 Billion | Rp16.80 Trillion | ▲ +0.0 pp |
| 2023 | 99.2% | Rp2.77 Trillion | Rp21.38 Billion | Rp17.33 Trillion | ▼ -0.5 pp |
| 2022 | 99.7% | Rp2.51 Trillion | Rp7.73 Billion | Rp14.79 Trillion | ▼ -0.3 pp |
| 2021 | 100.0% | Rp14.42 Trillion | Rp470.37 Million | Rp14.43 Trillion | ▲ +0.0 pp |
| 2020 | 100.0% | Rp11.30 Trillion | Rp2.88 Billion | Rp11.30 Trillion | ▲ +0.4 pp |
| 2019 | 99.6% | Rp1.69 Trillion | Rp6.65 Billion | Rp11.14 Trillion | ▲ +0.3 pp |
| 2018 | 99.3% | Rp1.67 Trillion | Rp11.44 Billion | Rp8.77 Trillion | ▲ +12.6 pp |
| 2017 | 86.8% | Rp274.20 Billion | Rp36.33 Billion | Rp8.63 Trillion | ▼ -13.0 pp |
| 2016 | 99.8% | Rp1.19 Trillion | Rp2.92 Billion | Rp8.76 Trillion | ▼ 0.0 pp |
| 2015 | 99.8% | Rp1.16 Trillion | Rp2.83 Billion | Rp7.13 Trillion | ▼ -0.1 pp |
| 2014 | 99.8% | Rp1.07 Trillion | Rp1.67 Billion | Rp6.21 Trillion | ▲ +0.3 pp |
| 2013 | 99.6% | Rp525.80 Billion | Rp2.31 Billion | Rp4.05 Trillion | ▼ -0.2 pp |
| 2012 | 99.7% | Rp491.57 Billion | Rp1.26 Billion | Rp2.14 Trillion | ▼ -0.3 pp |
| 2011 | 100.0% | Rp454.41 Billion | Rp0.00 | Rp1.02 Trillion | ▲ +0.0 pp |
| 2010 | 100.0% | Rp143.38 Billion | Rp0.00 | Rp458.71 Billion | ▲ +0.0 pp |
| 2009 | 100.0% | Rp150.55 Billion | Rp0.00 | Rp161.65 Billion | ▲ +0.0 pp |
| 2008 | 100.0% | Rp94.85 Billion | Rp0.00 | Rp208.75 Billion | — |