Bank Pan Indonesia Tbk

PNBN · JK · Financial Services / Banks - Regional

$865+5.00 (+0.58%)

Close Sep 23, 2026 · end-of-day

Market Stats

Previous Close$860

Open$860

Day Range$850 – $865

52-Week Range$768.45 – $1,231.43

Volume2.19M

Market Cap$19.98T

P/E (TTM)7.31

Forward P/E4.56

EPS$113.54

Dividend Yield5.06%

Beta-0.32

50-Day Avg$889.1

200-Day Avg$973.18

Price History

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About

PT Bank Pan Indonesia Tbk, together with its subsidiaries, engages in providing banking products and services for individuals and businesses in Indonesia and internationally. It operates through Banking and Multi-finance segments. The company offers savings and deposit accounts; savings programs; and credit cards. It also provides loans products, such as KPR Panin, Kredit Exporess, and Referral KPM; wealth management services, including bancassurance, mutual funds, and bond products; electronic banking; international services; and banking services, such as currency exchange, KUDN Panin, TD Valas DHE, and safe deposit boxes. In addition, the company offers business loans comprising working capital, investment, syndication credit, and multipurpose; and business services, including export, import, SKBDN, remittance, draft bank, and correspondent bank services, as well as forward transaction, domestic don deliverable forward, forex swap, cash management, and today, tom, spot services; and Sharia banking services. PT Bank Pan Indonesia Tbk was founded in 1971 and is headquartered in Jakarta, Indonesia.

Company Details

Sector: Financial Services
Industry: Banks - Regional
CEO: Dr. . Herwidayatmo
Employees: 9.78K
Headquarters: Panin Centre Building, Jakarta, Indonesia, 10270, Indonesia
Website: https://www.panin.co.id

Leadership

Dr. . HerwidayatmoPresident Director · b. 1959
Ms. Marlina GunawanCFO & Executive VP of Finance & Planning · b. 1963
Mr. Suwito TjokrorahardjoDirector of Operations & Information Technology and Director · b. 1967
Ms. Bernadeta DeborahBureau Head of Finance & Accounting · b. 1977
Mr. Susanto AhInvestor Relation Professional
Mr. Antonius Ketut DwiriantoDirector of Compliance, Legal Affairs & Anti Money Laundering and Director · b. 1969
Ms. Maria D. SukerlanBureau Head of Business & Corporate Legal · b. 1947
Mr. Yusak ZefanyaBureau Head of Human Resources Management · b. 1963
Mr. Lionto GunawanHuman Resources Director & Director · b. 1969
Mr. Gunawan Budi SantosoDirector of Treasury & Capital Market and Director · b. 1968

Financials

Income Statement

Line item	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Revenue	$2.85T	$3.30T	$4.66T	$4.95T	$6.60T	$8.33T	$9.55T	$11.72T	$12.77T	$14.39T	$17.28T	$17.77T	$18.68T	$18.74T	$18.21T	$18.83T	$19.01T	$16.74T	$15.09T	$15.83T	$16.81T	$14.77T
Cost of Revenue	$900.54B	$1.76T	$2.34T	$2.09T	$3.45T	$4.15T	$3.98T	$4.78T	$5.69T	$6.90T	$9.28T	$9.71T	$9.00T	$8.83T	$8.25T	$8.76T	$7.38T	$4.79T	$3.96T	$5.38T	$6.54T	$6.85T
Gross Profit	$1.95T	$1.55T	$2.33T	$2.86T	$3.15T	$4.18T	$5.56T	$6.94T	$7.08T	$7.49T	$8.00T	$8.06T	$9.67T	$9.91T	$9.96T	$10.08T	$11.63T	$11.95T	$11.13T	$10.45T	$10.27T	$7.93T
Operating Income	$1.25T	$750.36B	$1.04T	$1.31T	$1.15T	$1.41T	$1.94T	$2.74T	$3.04T	$3.25T	$3.68T	$2.46T	$3.31T	$2.96T	$4.57T	$4.60T	$4.07T	$2.51T	$4.09T	$3.78T	$3.65T	$3.94T
EBITDA	$1.25T	$750.36B	$1.04T	$1.31T	$1.15T	$1.41T	$1.94T	$3.00T	$3.32T	$3.55T	$4.07T	$2.87T	$3.71T	$3.26T	$4.88T	$4.93T	$4.55T	$3.11T	$4.73T	$4.25T	$4.17T	$4.51T
Net Income	$877.09B	$505.80B	$730.28B	$954.90B	$798.01B	$1.03T	$1.45T	$1.83T	$2.11T	$2.26T	$2.37T	$1.41T	$2.41T	$2.41T	$3.11T	$3.32T	$3.10T	$2.06T	$3.04T	$2.53T	$2.74T	$2.75T
Interest Expense	$900.54B	$1.76T	$2.34T	$2.09T	$3.45T	$4.15T	$3.98T	$4.78T	$5.69T	$6.90T	$9.28T	$9.71T	$9.00T	$8.83T	$8.25T	$8.76T	$7.38T	$4.79T	$3.96T	$5.38T	$6.54T	$6.65T

Balance Sheet

Line item	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Assets	$23.94T	$36.92T	$40.51T	$53.47T	$64.39T	$77.86T	$108.95T	$124.75T	$148.79T	$164.06T	$172.58T	$183.12T	$199.18T	$213.54T	$207.20T	$211.29T	$218.07T	$204.46T	$212.43T	$222.01T	$243.96T	$237.33T
Total Liabilities	$19.06T	$32.10T	$33.40T	$45.15T	$55.66T	$66.21T	$95.64T	$108.87T	$131.14T	$144.10T	$149.35T	$152.31T	$164.97T	$177.25T	$166.46T	$166.85T	$170.61T	$155.91T	$161.72T	$168.70T	$187.89T	$178.55T
Total Equity	$4.52T	$4.38T	$6.61T	$7.50T	$7.94T	$10.74T	$12.24T	$14.24T	$16.40T	$18.55T	$20.98T	$28.35T	$31.61T	$33.98T	$37.75T	$41.37T	$44.22T	$45.45T	$47.40T	$49.70T	$52.32T	$54.98T
Cash	$1.79T	$6.10T	$5.47T	$3.54T	$6.22T	$9.01T	$18.07T	$17.36T	$18.47T	$21.13T	$17.26T	$21.77T	$25.55T	$18.29T	$15.87T	$15.36T	$14.74T	$13.77T	$17.35T	$16.50T	$17.85T	$6.94T
Total Debt	$2.11T	$1.96T	$2.67T	$3.29T	$4.68T	$3.12T	$7.47T	$6.88T	$13.39T	$12.62T	$11.08T	$9.75T	$17.15T	$15.85T	$24.34T	$31.77T	$29.35T	$18.51T	$13.12T	$6.50T	$30.70T	$16.91T
Net Debt	$321.53B	$-4.13T	$-2.80T	$-247.17B	$-1.54T	$-5.88T	$-10.60T	$-10.48T	$-5.08T	$-8.51T	$-6.18T	$-12.02T	$-11.82T	$-4.48T	$6.20T	$5.56T	$3.67T	$-4.67T	$-7.41T	$-16.50T	$-17.85T	$9.97T

Cash Flow

Line item	2004-12-31	2005-12-31	2006-12-31	2007-12-31	2008-12-31	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Operating Cash Flow	$548.33B	$2.31T	$-2.38T	$-1.91T	$1.02T	$7.49T	$11.65T	$-9.55T	$-9.46T	$8.36T	$-8.29T	$5.63T	$-12.84B	$-7.76T	$-11.14T	$1.67T	$27.90T	$3.03T	$-190.26B	$3.87T	$19.02T	$4.08T
Investing Cash Flow	$-102.40B	$-218.77B	$-283.55B	$-457.18B	$-316.91B	$-277.18B	$-318.63B	$-241.29B	$-475.36B	$-555.19B	$206.51B	$-221.20B	$-161.65B	$-47.08B	$-79.52B	$-859.86B	$-26.27T	$5.69T	$3.19T	$-957.42B	$-19.29T	$520.54B
Financing Cash Flow	$46.06B	$-594.10B	$2.08T	$3.07T	$656.85B	$681.87B	$4.83T	$1.61T	$1.89T	$-832.99B	$-1.46T	$-1.38T	$4.04T	$155.12B	$8.74T	$-762.30B	$-2.55T	$-9.48T	$291.51B	$-3.72T	$1.61T	$-10.61T
Capital Expenditure	$105.82B	$224.03B	$288.19B	$461.12B	$318.84B	$295.99B	$367.30B	$261.80B	$507.66B	$601.54B	$338.66B	$323.75B	$184.78B	$145.66B	$144.47B	$895.14B	$351.73B	$311.83B	$337.35B	$301.93B	$438.22B	$294.36B
Free Cash Flow	$442.51B	$2.09T	$-2.67T	$-2.37T	$701.31B	$7.20T	$11.29T	$-9.81T	$-9.97T	$7.76T	$-8.63T	$5.30T	$-197.63B	$-7.91T	$-11.29T	$770.30B	$27.54T	$2.72T	$-527.61B	$3.57T	$18.58T	$3.78T
Dividends Paid	$83.83B	$449.16B	$10.73B	$6.53B	$24.81B	$5.95B	$17.96B	$30.25B	-	-	-	-	-	-	-	$481.07B	$481.07B	$481.07B	$481.07B	$193.31B	$0	$1.11T

Earnings

Report Date	Apr 18, 2023	Mar 9, 2023	Oct 27, 2022	Jul 28, 2022	Apr 28, 2022	Mar 28, 2022	Oct 28, 2021	Jul 30, 2021	May 3, 2021	Mar 23, 2021	Nov 2, 2020	Jul 29, 2020	May 15, 2020	Feb 27, 2020	Oct 29, 2019	Jul 30, 2019	Apr 26, 2019	Feb 20, 2019	Nov 19, 2018	Jul 23, 2018	Apr 27, 2018	Mar 2, 2018	Oct 25, 2017	Jul 21, 2017	Apr 28, 2017	Feb 20, 2017	Oct 28, 2016	Jul 29, 2016	Apr 28, 2016	Feb 26, 2016	Oct 30, 2015	Jul 30, 2015	Apr 29, 2015	Feb 9, 2015	Oct 27, 2014	Jul 31, 2014	May 2, 2014	Mar 18, 2014	Nov 27, 2013	Aug 1, 2013	Apr 26, 2013	Mar 19, 2013	Nov 28, 2012	Jul 26, 2012	Apr 27, 2012	Mar 20, 2012	Nov 30, 2011	Jul 28, 2011	Apr 29, 2011	Mar 22, 2011	Dec 1, 2010	Jul 29, 2010	Apr 30, 2010	Dec 2, 2009	Jul 30, 2009	May 1, 2009
EPS Estimate	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	$116.53	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EPS Actual	$24.47	$26.00	$35.40	$37.73	$27.16	$-8.06	$35.28	$33.76	$24.69	$32.81	$42.09	$25.56	$28.41	$38.62	$32.88	$32.90	$33.30	$41.62	$34.49	$25.40	$27.70	$13.07	$31.46	$25.53	$30.09	$28.91	$25.31	$21.79	$23.84	$10.77	$6.64	$16.60	$24.41	$13.32	$25.12	$31.33	$28.03	$20.02	$24.69	$24.10	$25.01	$20.22	$21.69	$22.51	$23.08	$23.77	$21.80	$17.54	$12.88	$5.35	$14.23	$15.20	$17.44	$12.76	$9.92	$6.20
Surprise	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-79.06%	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Timing	After-hours	After-hours	After-hours	After-hours	Pre-market	After-hours	Pre-market	Pre-market	Pre-market	-	Pre-market	After-hours	After-hours	After-hours	Pre-market	Pre-market	After-hours	Pre-market	Pre-market	Pre-market	Pre-market	After-hours	After-hours	Pre-market	Pre-market	After-hours	Pre-market	Pre-market	Pre-market	After-hours	Pre-market	Pre-market	Pre-market	Pre-market	Pre-market	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Key Statistics & Ratios

Market Cap: $19.98T
Enterprise Value: $32.79T
Trailing P/E: 7.31
Forward P/E: 4.56
PEG Ratio: 0.36
Price / Sales: 2.03
Price / Book: 0.39
EPS: $113.54
Book Value: $2,215.47
Revenue (TTM): $9.85T
Gross Profit (TTM): $9.58T
Profit Margin: 27.74%
Operating Margin: 36.41%
Return on Equity: 5.07%
Return on Assets: 1.26%
Shares Outstanding: 24.07B
Shares Float: 3.63B
Beta: -0.32
Dividend Yield: 5.06%
Dividend Rate: $42
Payout Ratio: 73.98%

Dividends

20261×

$42.00Jun 26, 2026

20251×

$42.00Jul 8, 2025

20221×

$20.00Jul 1, 2022

20052×

$8.00Jul 19, 2005$20.00Mar 29, 2005

20041×

$5.63Jun 22, 2004

20031×

$8.00Jul 22, 2003