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 46.2% as of December 2025. Working capital of Rp1.37 Trillion (current assets of Rp1.41 Trillion minus current liabilities of Rp43.03 Billion) is measured against net assets of Rp2.97 Trillion. A higher ratio indicates strong short-term liquidity financed by the equity base. See PNBS financial flexibility index to measure the company's free cash flow as a share of total liabilities.
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 December 2025, the ratio stands at 46.2%, reflecting working capital of Rp1.37 Trillion against net assets of Rp2.97 Trillion IDR. See how many days can Bank Panin Syariah Tbk fund operations to measure how many days the company can operate on defensive assets alone.
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. For live market cap and the full company profile, see market value of Bank Panin Syariah Tbk.
| 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 | — |