PT Bank Pan Indonesia Tbk

PT Bank Pan Indonesia Tbk

0.03
EUR
0.00
(0.00%)
0.02EPS
2.29P/E
1.18BMarket Cap
Oct 22Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
311
331.96
334.56
401.62
411.38
413.51
418.39
482.81
495.99
462.22
433.68
426.64
432.04
1,738.33
Basic EPS, GAAP
93.82
98.26
58.41
99.86
100.15
129.22
137.7
128.83
85.67
126.28
105.11
113.7
114.24
439.13
Free Cash Flow per Basic Share
322.1
-358.42
220.24
-8.2
-328.3
-468.66
186.26
1,143.5
112.83
-21.9
148.19
771.69
-96.22
1,446.36
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
19.97
8.03
- -
41.94
-0.2
Book Value per Share
753.22
863.61
1,177
1,312.49
1,410.76
1,567.03
1,717.67
1,836.4
1,887.15
1,968.35
2,064.02
2,172.8
2,283.79
2,215.47
Tangible Book Value per Share
750.44
860.01
1,171.99
1,307.08
1,405.02
1,562.05
1,711.63
1,827.5
1,873.83
1,950.66
2,042.32
2,148.03
2,256.18
2,188.94
Basic Weighted Avg Shares
24,088
24,088
24,088
24,088
24,088
24,088
24,088
24,088
24,088
24,088
24,088
24,082
24,072
6,019
Sales/Revenue/Turnover
7,491,307
7,996,050
8,058,680
9,674,097
9,909,129
9,960,458
10,077,934
11,629,785
11,947,323
11,133,858
10,446,310
10,274,242
10,400,214
10,462,795
Operating Margin (%)
- -
- -
- -
33.15
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
296,306
390,216
409,590
403,851
298,263
302,251
- -
481,998
596,299
637,269
471,520
515,142
569,874
587,098
Net Income, GAAP
2,259,929
2,366,886
1,406,891
2,405,293
2,412,458
3,112,580
3,316,841
3,103,248
2,063,473
3,041,676
2,531,895
2,738,143
2,750,044
2,643,074
Effective Tax Rate (%)
24.53
29.46
36.21
23.84
32.23
30.3
23.88
23.27
27.74
19.95
20.4
21.56
27.07
26.99
Profit Margin (%)
30.17
29.6
17.46
24.86
24.35
31.25
32.91
26.68
17.27
27.32
24.24
26.65
26.44
25.26
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
12,617,713
11,080,822
9,751,814
13,724,833
13,810,614
22,069,108
20,923,779
18,411,418
9,071,987
9,938,685
6,502,649
8,221,144
9,572,108
12,674,296
Total Equity
19,552,490
23,056,891
30,806,209
34,200,800
36,288,731
40,747,117
44,441,714
47,460,332
48,547,747
50,716,094
53,312,485
56,069,616
58,773,013
57,093,542
Return on Invested Capital (%)
- -
- -
- -
5.21
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
6.54
6.45
3.34
5.18
5.75
5.38
4.89
4.7
3.74
4.75
3.42
4.21
3.97
3.7
Return on Common Equity (%)
13.08
12.15
5.72
8.02
7.36
8.68
8.38
7.25
4.6
6.55
5.21
5.37
5.13
4.96

Capital Structure

IDR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
24,072
24,072
24,072
Market Capitalization
22,777,745
19,387,555
24,198,186

Working Capital

IDR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
12,081,855
15,856,687
11,213,247
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

IDR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
6.71%
4.37%
4.82%
Free Cash Flow
353.68%
-135.59%
-112.46%
Net Income, GAAP
10.61%
1.14%
0.43%
Sales/Revenue/Turnover
2.89%
-2.14%
1.23%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2,734,783
2,415,336
2,762,754
2,361,369
10,274,242
2025
2,486,176
2,628,083
- -
2,693,190
10,400,214
2026
2,567,523
2,573,999
- -
- -
- -

Quarterly Earnings Per Share

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
28.53
429,482.88
638,694.33
381,481.98
113.7
2025
30.38
512,263.09
- -
513,008.36
114.24
2026
29.02
563,260.71
- -
- -
- -

Quarterly Dividends Per Share

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
-960.39
41.94
2026
- -
- -
- -
- -
- -

Company Description

CEO
Wahidin Herwidayatmo
Full Time Employees
9,775
Sector
Finance
Industry
Regional banks
Address
Panin Centre Building Jakarta JK Indonesia 10270
IPO Date
Dec 29, 1982
Business
P.T. Bank Pan Indonesia Tbk (Panin Bank) operates as a commercial bank providing a broad range of banking products and services to individual and corporate customers in Indonesia and select international markets; its core offerings include savings accounts such as Tabungan Panin, Tabungan Junior, Tabunganku, Tabungan Rencana, Simpanan Pan Dollar, Tabanas Panin, demand deposits, and time deposits; loan products encompassing KPR Panin mortgages, Kredit Express, multipurpose loans, SMART Panin, micro loans, credit cards, working capital loans, investment loans, syndication credits, and corporate loans; wealth management services featuring bancassurance, mutual funds, and bonds; electronic banking channels like ATM, Call Panin, Mobile Panin, Internet Panin, Biznet Panin, and QRIS payments via PaninPay; trade finance services including export/import financing, SKBDN, remittances, bank drafts, and correspondent banking; Sharia banking through PT Bank Panin Dubai Syariah Tbk; and ancillary services such as cash management, Panin Remittance, Rekening Dana Nasabah (RDN) Panin, Panin Prioritas wealth services, safe deposit boxes, currency exchange, and foreign exchange transactions. Founded in 1971 through the merger of Bank Kemakmuran, Bank Industri Djaja, and Bank Industri dan Dagang Indonesia, with subsequent mergers including PT Bank Lingga Harta, Bank Abadi Djaja, Bank Pembangunan Ekonomi, and Bank Pembangunan Sulawesi, the bank listed on the Indonesia Stock Exchange in 1982 and maintains headquarters at Panin Bank Center, Jl. Jend. Sudirman Kav. 1, Senayan, South Jakarta, Indonesia; it operates approximately 520 offices nationwide and a representative office in Singapore as part of the Panin Group under PT Panin Investment, with subsidiaries including PT Clipan Finance Indonesia Tbk (51.49% owned) focused on multi-finance. In recent developments, ANZ Group Holdings offers its 38.8% stake for sale, with the Gunawan family (46% owners) considering partial divestment, positioning DBS Group as a frontrunner in bidding for up to 86% control in 2025, potentially elevating the acquirer to Indonesia's top 10 banks; the bank issued Sustainable Bond IV Phase III Year 2025 worth IDR 3.2 trillion with coupons up to 6.65%; advances digital initiatives like cross-border QRIS, Panin Super Bonanza promotions for CASA growth targeting 52.2% ratio, payroll services for corporates, and SME loan expansion to over 40% of portfolio by 2026; and adjusts product features for Tabungan Panin, Tabungan Panin MGM, and Tabungan PSP Special while warning against vishing scams and dormant account risks.