Financial Ratios PT Panin Financial Tbk

Stocks

PNLF

ID1000095607

Life & Health Insurance

End-of-day quote INDONESIA S.E. Other stock markets 2026-06-11			5-day change	1st Jan Change
206.00 ^IDR	0.00%		-8.85%	-20.16%

May. 01	PT Panin Financial Tbk Reports Earnings Results for the First Quarter Ended March 31, 2026	CI
Mar. 31	PT Panin Financial Tbk Reports Earnings Results for the Full Year Ended December 31, 2025	CI

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Published financial data: PT PANIN FINANCIAL TBK

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	-	-	14,137B	15,017B	15,266B
Interest Income, Total	-	-	14,137B	15,017B	15,266B
Interest On Deposits	-	-	5,382B	6,545B	6,657B
Interest Expense, Total	-	-	5,382B	6,545B	6,657B
Net Interest Income	-	-	8,755B	8,472B	8,609B
Gain (Loss) on Sale of Invest. & Securities - (Rev)	668B	644B	345B	47.73B	452B
Total Other Non Interest Income	683B	712B	4,097B	3,934B	2,826B
Non Interest Income, Total	1,352B	1,356B	4,442B	3,982B	3,278B
Revenues Before Provison For Loan Losses	1,352B	1,356B	13,197B	12,454B	11,887B
Provision For Loan Losses	-	-	2,758B	1,676B	1,438B
Total Revenues	1,352B	1,356B	10,439B	10,778B	10,449B
Salaries And Other Employee Benefits	-	-	-	-	2,742B
Occupancy Expense	-	-	-	-	806B
Federal Deposit Insurance	-	-	-	-	326B
Selling General & Admin Expenses, Total	308B	309B	5,596B	5,991B	1,923B
(Income) Loss on Equity Invest.	-951B	-1,403B	-52.17B	-31.25B	-55.58B
Total Other Non Interest Expense	418B	432B	520B	464B	131B
Non Operating (Income) Expenses	-	-	-96.38B	48.09B	-55.27B
Non Interest Expense, Total	-225B	-661B	5,968B	6,472B	5,816B
EBT, Excl. Unusual Items	1,577B	2,017B	4,471B	4,306B	4,633B
EBT, Incl. Unusual Items	1,577B	2,017B	4,471B	4,306B	4,633B
Income Tax Expense	80.57B	32.64B	864B	849B	1,122B
Earnings From Continuing Operations	1,496B	1,985B	3,607B	3,457B	3,511B
Net Income to Company	1,496B	1,985B	3,607B	3,457B	3,511B
Minority Interest	-169B	-187B	-2,097B	-1,793B	-1,767B
Net Income - (IS)	1,328B	1,798B	1,510B	1,664B	1,744B
Net Income to Common Incl Extra Items	1,328B	1,798B	1,510B	1,664B	1,744B
Net Income to Common Excl. Extra Items	1,328B	1,798B	1,510B	1,664B	1,744B
Per Share Items
Net EPS - Basic	41.47	56.16	47.17	51.97	54.47
Basic EPS - Continuing Operations	41.47	56.16	47.17	51.97	54.47
Basic Weighted Average Shares Outstanding	32.02B	32.02B	32.02B	32.02B	32.02B
Net EPS - Diluted	41.47	56.16	47.17	51.97	54.47
Diluted EPS - Continuing Operations	41.47	56.16	47.17	51.97	54.47
Diluted Weighted Average Shares Outstanding	32.02B	32.02B	32.02B	32.02B	32.02B
Normalized Basic EPS	25.51	33.55	21.79	28.05	35.25
Normalized Diluted EPS	25.51	33.55	21.79	28.05	35.25
Dividend Per Share	10	-	-	-	-
Payout Ratio	-	17.81	-	-	-
Supplemental Items
Effective Tax Rate - (Ratio)	5.11	1.62	19.32	19.71	24.21
Total Current Taxes	2.79B	13.4B	871B	163B	1,004B
Total Deferred Taxes	-433M	-31.39B	-73.08B	635B	72.54B
Normalized Net Income	817B	1,074B	698B	898B	1,129B
Non-Cash Pension Expense	3.64B	-22.4B	30.36B	53.5B	56.32B

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	5,988B	3,584B	20,941B	22,362B	15,632B
Investment Securities, Total	22,739B	26,133B	40,204B	56,104B	70,179B
Trading Asset Securities, Total	3,493B	3,253B	11,748B	15,733B	5,791B
Total investments	26,232B	29,386B	51,952B	71,837B	75,969B
Gross Loans	6.67B	1.42B	151,208B	151,532B	147,519B
Allowance For Loan Losses	-	-	-8,480B	-7,693B	-6,655B
Other Adjustments to Gross Loans	-	-	-2,193B	-2,036B	-1,742B
Net Loans	6.67B	1.42B	140,535B	141,804B	139,122B
Gross Property Plant And Equipment	249B	254B	10,857B	10,645B	10,635B
Accumulated Depreciation	-85.58B	-51.55B	-658B	-552B	-426B
Net Property Plant And Equipment	163B	202B	10,199B	10,093B	10,208B
Other Intangibles, Total	-	-	-	-	664B
Accrued Interest Receivable	45.88B	52.94B	1,203B	1,184B	1,574B
Other Receivables	300B	316B	398B	939B	705B
Other Current Assets, Total	20.8B	20.82B	1,875B	1,597B	1,682B
Deferred Tax Assets Long-Term (Collected)	-	32.8B	781B	195B	109B
Other Real Estate Owned And Foreclosed	-	-	3,181B	3,217B	2,932B
Deferred Charges Long-Term	215B	197B	525B	658B	-
Other Long-Term Assets, Total	220B	75.11B	2,985B	3,174B	3,107B
Total Assets	33,193B	33,869B	234,576B	257,059B	251,705B
Liabilities
Accounts Payable, Total	-	-	-	-	-
Accrued Expenses, Total	117B	131B	404B	215B	264B
Interest Bearing Deposits	-	-	137,289B	142,011B	143,307B
Non-Interest Bearing Deposits	-	-	212M	106B	-
Total Deposits	-	-	137,289B	142,117B	143,307B
Short-Term Borrowings	-	-	9,778B	21,973B	7,249B
Current Portion of Long-Term Debt	-	-	3,734B	1,157B	1,229B
Current Portion of Leases	4.86B	9.53B	5.9B	601M	3.18B
Long-Term Debt	-	-	2,769B	6,947B	7,720B
Long-Term Leases	9.53B	-	669M	811M	16.57B
Current Income Taxes Payable	4.21B	38.23B	256B	189B	191B
Accrued Interest Payable	-	-	224B	352B	332B
Unearned Revenue, Current	36.59B	45.05B	23.48B	167B	10.91B
Other Current Liabilities - (Bank / Utility Template)	3,468B	3,870B	6,431B	5,769B	2,005B
Unearned Revenue Non Current	-	-	60.97B	94.41B	-
Pension & Other Post Retirement Benefits	43.37B	20.46B	988B	988B	885B
Deferred Tax Liability Non-Current	9.91B	-	-	-	252B
Other Non Current Liabilities	736B	73.8B	10,631B	11,971B	19,106B
Total Liabilities	4,430B	4,189B	172,595B	191,941B	182,572B
Common Stock, Total	4,003B	4,003B	4,003B	4,003B	4,003B
Additional Paid In Capital	-	-	-	-	-
Retained Earnings	17,928B	19,406B	17,000B	18,664B	20,533B
Treasury Stock	-	-	-610M	-610M	-20.6B
Comprehensive Income and Other	4,692B	4,401B	6,858B	6,785B	7,232B
Total Common Equity	26,623B	27,810B	27,861B	29,451B	31,747B
Minority Interest	2,140B	1,870B	34,120B	35,666B	37,386B
Total Equity	28,763B	29,680B	61,981B	65,118B	69,133B
Total Liabilities And Equity	33,193B	33,869B	234,576B	257,059B	251,705B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	32.02B	32.02B	32.02B	32.02B	32.01B
ECS Total Common Shares Outstanding	32.02B	32.02B	32.02B	32.02B	32.01B
Book Value / Share	831.4	868.47	870.04	919.72	991.9
Tangible Book Value	26,623B	27,810B	27,861B	29,451B	31,083B
Tangible Book Value Per Share	831.4	868.47	870.04	919.72	971.15
Total Debt	14.39B	9.53B	16,288B	30,079B	16,218B
Deposits at Interest - Cash	5,869B	3,408B	10,382B	10,460B	8,940B
Debt Equivalent of Unfunded Proj. Benefit Obligation	43.37B	20.46B	804B	793B	677B
Net Debt	-9,473B	-8,878B	-21,755B	-9,227B	-14,902B
Equity Method Investments, Total	20,686B	21,602B	697B	689B	713B
Full Time Employees	305	313	11.16K	11.22K	10.5K

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	1,328B	1,798B	1,510B	1,664B	1,744B
Depreciation, Depletion & Amortization	9.89B	11.24B	426B	470B	511B
Amortization of Goodwill and Intangible Assets - (CF)	17.52B	-	45.59B	52.92B	59.74B
Total Depreciation, Depletion & Amortization	27.41B	11.24B	471B	523B	571B
Change in Trading Asset Securities	-	-	-4,507B	-4,701B	10,709B
Change in Other Net Operating Assets (Collected)	-	-	178B	13,609B	-20,148B
Other Operating Activities	-1,411B	-2,065B	4,068B	2,791B	1,845B
Cash from Operations	-55.68B	-256B	1,722B	13,886B	-5,279B
Capital Expenditure	-3.73B	-15.74B	-165B	-325B	-292B
Sale of Property, Plant, and Equipment	981M	529M	6B	27.93B	14.96B
Purchase / Sale of Intangible Assets	-	-	-142B	-127B	-140B
Investment in Marketable and Equity Securities, Total	-11.66B	-2,073B	73.02B	-19,506B	-5,508B
Net (Increase) Decrease in Loans Originated / Sold - Investing	-3.35B	5.42B	-145M	-268M	-
Other Investing Activities, Total	614B	689B	416B	661B	593B
Cash from Investing	596B	-1,394B	188B	-19,269B	-5,332B
Long-Term Debt Issued, Total	-	-	3,150B	7,366B	4,734B
Total Debt Issued	-	-	3,150B	7,366B	4,734B
Long-Term Debt Repaid, Total	-6B	-5.78B	-6,680B	-5,880B	-3,904B
Total Debt Repaid	-6B	-5.78B	-6,680B	-5,880B	-3,904B
Issuance of Common Stock	-	-	-	-	6.88B
Repurchase of Common Stock	-	-	-	-	-20.6B
Common Dividends Paid	-	-320B	-	-	-
Common & Preferred Stock Dividends Paid	-	-320B	-	-	-
Net Increase (Decrease) in Deposit Accounts - (CF)	-	-	2,057B	5,347B	3,484B
Other Financing Activities, Total	-162B	-432B	-286B	-44.82B	-661B
Cash from Financing	-168B	-758B	-1,759B	6,789B	3,639B
Foreign Exchange Rate Adjustments	138M	3.3B	-47.56B	15.56B	242B
Net Change in Cash	373B	-2,404B	103B	1,421B	-6,730B
Supplemental Items
Cash Interest Paid	-	-	5,337B	6,400B	6,693B
Cash Income Tax Paid (Refund)	-	-	820B	820B	744B
Net Debt Issued / Repaid	-6B	-5.78B	-3,530B	1,486B	830B

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	4.56	5.92	1.57	1.41	1.38
Return On Equity %	5.29	6.79	5.97	5.44	5.23
Return on Common Equity	5.08	6.61	5.57	5.81	5.69
Shareholders Value Added	-1,793B	-1,468B	-1,697B	-1,722B	-1,873B
Margin Analysis
SG&A Margin	22.64	22.43	51.36	53.4	52.36
Net Interest Income / Total Revenues %	-	-	83.87	78.6	82.39
EBT Excl. Non-Recurring Items Margin %	116.68	148.77	42.83	39.96	44.34
Income From Continuing Operations Margin %	110.72	146.37	34.56	32.08	33.6
Net Income Margin %	98.25	132.61	14.47	15.44	16.69
Net Avail. For Common Margin %	98.25	132.61	14.47	15.44	16.69
Normalized Net Income Margin	60.45	79.23	6.68	8.33	10.8
Asset quality
Nonperforming Loans / Total Loans %	-	-	3.05	3.01	2.57
Nonperforming Loans / Total Assets %	-	-	1.97	1.78	1.51
Nonperforming Assets / Total Assets %	-	-	3.2	2.92	2.67
NPAs / Loans and OREO	-	-	4.86	4.84	4.47
NPAs / Equity	-	-	12.1	11.51	9.73
Allowance for Credit Losses / Net Charge-offs %	-	-	-846.98	-2.99K	-3.16K
Allowance for Credit Losses / Nonperforming Loans %	-	-	183.69	168.53	175.49
Allowance for Credit Losses / Total Loans %	-	-	5.61	5.08	4.51
Provision for Loan Losses / Net Charge-offs %	-	-	-275.44	-652.4	-682.23
Capital And Funding
Total Average Common Equity / Total Average Assets %	79.78	81.17	11.81	11.66	12.05
Total Average Equity / Total Average Assets %	86.33	87.15	26.32	25.85	26.42
Total Equity + Allowance for Loan Losses / Total Loans %	399K	1.95M	24.03	24.51	26.03
Gross Loans / Total Deposits %	-	-	110.14	106.62	102.94
Net Loans / Total Deposits %	-	-	102.36	99.78	97.08
Tier 1 Capital Ratio %	-	-	31.12	33.46	36.47
Total Capital Ratio %	-	-	32.4	34.54	37.49
Core Tier 1 Capital Ratio	-	-	31.12	33.46	36.47
Tier 2 Capital Ratio	-	-	1.28	1.08	1.02
Coverage Ratio	-	-	111.86	89.45	80.3
Interbank Ratio	-	-	150.77	44.26	176.94
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	-	-	1.83	1.66	1.7
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-	-	-6.96	-3.24	1.62
Non Interest Income, 1 Yr. Growth %	-2.56	0.34	16.8	-10.35	9.45
Provision For Loan Losses, 1 Yr. Growth %	-	-	-1.17	-39.23	-14.18
Total Revenues, 1 Yr. Growth %	-2.56	0.34	0.16	3.24	6.72
Earnings From Cont. Operations, 1 Yr. Growth %	-26.63	32.65	-11.52	-4.16	7.98
Net Income, 1 Yr. Growth %	-28.6	35.43	-25.13	10.17	13.22
Normalized Net Income, 1 Yr. Growth %	-29.14	31.5	-31.54	28.73	38.91
Diluted EPS Before Extra, 1 Yr. Growth %	-28.6	35.43	-25.13	10.17	13.22
Gross Loans, 1 Yr. Growth %	131.25	-78.66	8.8	0.21	-2.86
Allowance For Loan Losses, 1 Yr. Growth %	-	-	24.52	-9.28	-14.31
Net Loans, 1 Yr. Growth %	131.25	-78.66	7.74	0.9	-2.07
Non Performing Loans, 1 Yr. Growth %	-	-	-4.72	-1.12	-16.92
Non Performing Assets, 1 Yr. Growth %	-	-	3.16	-0.1	-10.27
Total Assets, 1 Yr. Growth %	2.5	2.04	4.53	9.58	-2.03
Total Deposits, 1 Yr Growth %	-	-	1.6	4.24	0.84
Tangible Book Value, 1 Yr. Growth %	3.64	4.46	5.73	5.71	7.4
Common Equity, 1 Yr. Growth %	3.64	4.46	5.73	5.71	7.49
Total Equity, 1 Yr. Growth %	3.3	3.19	5.33	5.06	5.96
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-	-	-	-5.12	-0.84
Non Interest Income, 2 Yr. CAGR %	-0.6	-1.12	81.29	2.33	-14.09
Provision For Loan Losses, 2 Yr. CAGR %	-	-	-	-22.5	-27.78
Total Revenues, 2 Yr. CAGR %	-0.6	-1.12	177.92	1.69	0.05
Earnings From Cont. Operations, 2 Yr. CAGR %	-16.52	-1.34	55.27	-7.91	-1.34
Net Income, 2 Yr. CAGR %	-18.01	-1.67	6.66	-9.18	7.46
Normalized Net Income, 2 Yr. CAGR %	-18.46	-3.47	-7.59	-6.12	27.2
Diluted EPS Before Extra, 2 Yr. CAGR %	-18.01	-1.67	6.66	-9.18	7.46
Gross Loans, 2 Yr. CAGR %	-44.86	-29.74	14.96K	4.42	-1.23
Allowance For Loan Losses, 2 Yr. CAGR %	-	-	-	6.28	-11.41
Net Loans, 2 Yr. CAGR %	-44.86	-29.74	14.42K	4.26	-0.5
Non Performing Loans, 2 Yr. CAGR %	-	-	-	-2.94	-9.37
Non Performing Assets, 2 Yr. CAGR %	-	-	-	1.52	-5.32
Total Assets, 2 Yr. CAGR %	4.68	2.27	165.84	7.03	3.59
Total Deposits, 2 Yr CAGR %	-	-	-	2.55	2.52
Tangible Book Value, 2 Yr. CAGR %	5.64	4.05	2.3	5.72	5.62
Common Equity, 2 Yr. CAGR %	5.64	4.05	2.3	5.72	6.75
Total Equity, 2 Yr. CAGR %	5.39	3.24	46.8	5.2	5.61
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-	-	-	-	-2.92
Non Interest Income, 3 Yr. CAGR %	2.46	-0.29	47.4	43.36	-4.83
Provision For Loan Losses, 3 Yr. CAGR %	-	-	-	-	-19.82
Total Revenues, 3 Yr. CAGR %	2.46	-0.29	95.97	99.79	0.08
Earnings From Cont. Operations, 3 Yr. CAGR %	-9.12	-2.59	20.94	32.2	-4.86
Net Income, 3 Yr. CAGR %	-10.13	-3.08	-6.7	7.82	-4.73
Normalized Net Income, 3 Yr. CAGR %	-11.05	-4.38	-15.42	3.21	3.47
Diluted EPS Before Extra, 3 Yr. CAGR %	-10.13	-3.08	-6.7	7.82	-4.74
Gross Loans, 3 Yr. CAGR %	-40.57	-59.81	3.64K	2.73K	2.01
Allowance For Loan Losses, 3 Yr. CAGR %	-	-	-	-	-0.77
Net Loans, 3 Yr. CAGR %	-40.57	-59.81	3.55K	2.67K	2.17
Non Performing Loans, 3 Yr. CAGR %	-	-	-	-	-7.84
Non Performing Assets, 3 Yr. CAGR %	-	-	-	-	-2.57
Total Assets, 3 Yr. CAGR %	5.52	3.79	93.49	97.85	3.9
Total Deposits, 3 Yr CAGR %	-	-	-	-	1.98
Tangible Book Value, 3 Yr. CAGR %	6.9	5.24	2.74	3.42	5.66
Common Equity, 3 Yr. CAGR %	6.9	5.24	2.74	3.42	6.41
Total Equity, 3 Yr. CAGR %	6.56	4.65	30.57	31.31	5.52
Compound Annual Growth Rate Over Five Years
Non Interest Income, 5 Yr. CAGR %	3.23	2.69	28.73	23.82	18.77
Total Revenues, 5 Yr. CAGR %	3.23	2.69	52.72	51.11	49.76
Earnings From Cont. Operations, 5 Yr. CAGR %	-2.27	4.28	12.59	9.99	11.48
Net Income, 5 Yr. CAGR %	-2.87	4.29	-3.76	-3.37	-1.27
Normalized Net Income, 5 Yr. CAGR %	-3.64	2.66	-9.68	-6.08	-0.42
Diluted EPS Before Extra, 5 Yr. CAGR %	-2.87	4.29	-3.76	-3.37	-1.27
Gross Loans, 5 Yr. CAGR %	-10.26	-29.89	443.91	486.02	774.58
Net Loans, 5 Yr. CAGR %	-10.26	-29.89	436	478.29	764.39
Total Assets, 5 Yr. CAGR %	5.81	5.05	52.7	53.37	50.7
Tangible Book Value, 5 Yr. CAGR %	7.61	6.87	5.04	4.3	3.89
Common Equity, 5 Yr. CAGR %	7.61	6.87	5.04	4.3	4.33
Total Equity, 5 Yr. CAGR %	7.14	6.21	21.13	20.25	19.95