Bank Panin Syariah Tbk (PNBS) — Working Capital to Net Assets Ratio
Bank Panin Syariah Tbk (PNBS) has a Working Capital to Net Assets ratio of -513.2% as of March 2026. Working capital of Rp-15.42 Trillion (current assets of Rp1.24 Trillion minus current liabilities of Rp16.66 Trillion) is measured against net assets of Rp3.00 Trillion. A higher ratio indicates strong short-term liquidity financed by the equity base. See PNBS cash and liquid assets coverage to measure how many days the company can operate on defensive assets alone.
WC/NA Ratio
Working Capital
Current Assets
Current Liabilities
Bank Panin Syariah Tbk Working Capital to Net Assets (2015–2025)
This chart shows how Bank Panin Syariah Tbk's Working Capital to Net Assets ratio has evolved across 11 annual periods from 2015 to 2025. As of March 2026, the ratio stands at -513.2%, reflecting working capital of Rp-15.42 Trillion against net assets of Rp3.00 Trillion IDR. For the complete balance sheet picture, see Bank Panin Syariah Tbk assets under control.
Annual Working Capital to Net Assets for Bank Panin Syariah Tbk (2015–2025)
The table below presents the year-by-year Working Capital to Net Assets ratio for Bank Panin Syariah Tbk from 2015 to 2025, covering 11 annual filings. Each row shows current assets, current liabilities, working capital, net assets, the ratio, and the change in percentage points compared to the prior year. Check financial resilience of Bank Panin Syariah Tbk to evaluate the company's liquid asset resilience ratio.
| Year | WC/NA Ratio | Working Capital (IDR) | Net Assets | Current Assets | Current Liabilities | Change (pp) |
|---|---|---|---|---|---|---|
| 2025 | 46.2% | Rp1.37 Trillion | Rp2.97 Trillion | Rp1.41 Trillion | Rp43.03 Billion | ▲ +469.1 pp |
| 2024 | -423.0% | Rp-12.06 Trillion | Rp2.85 Trillion | Rp1.43 Trillion | Rp13.50 Trillion | ▼ -30.6 pp |
| 2023 | -392.3% | Rp-10.87 Trillion | Rp2.77 Trillion | Rp2.26 Trillion | Rp13.14 Trillion | ▼ -365.8 pp |
| 2022 | -26.6% | Rp-665.88 Billion | Rp2.51 Trillion | Rp1.30 Trillion | Rp1.97 Trillion | ▼ -34.1 pp |
| 2021 | 7.5% | Rp1.08 Trillion | Rp14.42 Trillion | Rp1.78 Trillion | Rp698.52 Billion | ▲ +1.7 pp |
| 2020 | 5.9% | Rp661.65 Billion | Rp11.30 Trillion | Rp1.23 Trillion | Rp564.67 Billion | ▼ -47.3 pp |
| 2019 | 53.1% | Rp900.55 Billion | Rp1.69 Trillion | Rp1.56 Trillion | Rp660.90 Billion | ▲ +19.4 pp |
| 2018 | 33.8% | Rp563.39 Billion | Rp1.67 Trillion | Rp1.39 Trillion | Rp828.95 Billion | ▲ +164.9 pp |
| 2017 | -131.1% | Rp-359.59 Billion | Rp274.20 Billion | Rp1.28 Trillion | Rp1.64 Trillion | ▼ -85.3 pp |
| 2016 | -45.8% | Rp-544.27 Billion | Rp1.19 Trillion | Rp1.17 Trillion | Rp1.71 Trillion | ▼ -65.8 pp |
| 2015 | 20.0% | Rp230.94 Billion | Rp1.16 Trillion | Rp1.09 Trillion | Rp861.65 Billion | — |