Referring to Return on Assets, this ratio measures a company's ability to generate profit from its assets. Since banks are generally highly leveraged (i.e a high proportion of assets are funded by debt), banks with even a ROA between 1-2% are considered to be efficient. For reference, Return on Assets of banks in Malaysia hover between 1.2% - 1.5%. The average RoA for banks in Singapore is 1.26% and the world average is 1.57%.
Bank Pan Indonesia
PNBN.JK +3.38%
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Overview
PNBN.JK Overview
PT Bank Pan Indonesia Tbk is an Indonesia-based banking institution that provides a wide range of banking services across its segments, including Banking and Multi-finance. The bank offers various savings products, loan services, and electronic banking solutions, such as ATM and mobile banking. Key offerings include mortgage loans, consumer credit, and cash management services, supported by its subsidiaries, including PT Clipan Finance Indonesia Tbk.
Last Computation: 2025-04-11
Interesting Facts about PNBN
Past 90 Days
Over the past 90 days, PNBN.JK has traded between IDR 1,275.00 and IDR 1,965.00. Its highest price during this period was 5.53% off its 52-week high of IDR 2,080.00. PNBN.JK's lowest price of IDR 1,275.00 during the last 90 days is seen on 2025-02-28 and was 21.43% above its 52-week low.
Past 52 Weeks
Over the past 52 weeks in the stock market, PNBN.JK has traded bewtween IDR 1,050.00 and IDR 2,080.00. Its highest price during this period was 25.45% off its all-time high of IDR 2,790.00. Its 52-week low of IDR 1,050.00 was seen on 2024-04-25 and was 49.52% off its 52-week high during this period. This is considered quite a significant drawdown, which may indicate a potential buying opportunity if the fundamentals of the PNBN.JK are assessed to be strong and the volatility is deemed temporary.
PNBN.JK Historical Price Range
52 Week Low
IDR 1,050.00
52 Week High
IDR 2,080.00
Valuation
PNBN Valuation Metrics
1,530
IDR
+3.38%
Closing Price on 2025-04-11
Overvalued by P/E Ratio
PNBN is overvalued compared to its sector peers. Sectors has a list of companies sorted by their P/E ratio.
IDX Companies, lowest P/E ratio
Price to Earnings
12.30
P/E
At 12.30x P/E TTM, PNBN.JK is trading at a discount to its peers in the Banks sector.
Price to Book
0.70
P/B
At 0.70x P/B TTM, PNBN.JK is trading in line with its peers in the Banks sector.
Price to Sales
1.53
P/S
At 1.53x P/S TTM, PNBN.JK is trading at a discount to its peers in the Banks sector.
Valuing Bank Pan Indonesia Tbk based on its trailing twelve months (TTM) valuation metrics against its peers in the Banks sector
Historical Price to Earnings
Other Valuation Metrics
Valuing Bank Pan Indonesia Tbk relative to other stocks in the Banks sector
No data is available for PNBN at the moment.
Related News
April, 12, 2025
The US President Donald Trump's import tariff policy has shaken the financial market, causing investors to reorganize their portfolios, and surprisingly, the US dollar, typically a safe-haven asset, has been abandoned, with the dollar index falling 1.19% to 99,666. This unusual market reaction has sparked uncertainty, prompting a shift in investor behavior.
April, 11, 2025
Global and regional stock markets rebounded on Thursday, driven by US President Donald Trump's decision to delay the implementation of retaliatory tariffs on most countries, excluding China, for 90 days. The Jakarta Composite Index (IHSG) surged 4.79% to 6,254.02, following the majority of Asian bourses, as investors welcomed the news.
Peers
PNBN Peers and Comparison
Banks in Indonesia
| Company Name | +/-% 12 Months | Market Cap |
|---|---|---|
| Bank Central Asia | -16.5% | IDR1,214.26TIDR1,013.94T |
| Bank Rakyat Indonesia (Persero) | -35.9% | IDR893.44TIDR572.47T |
| Bank Mandiri (Persero) | -27.2% | IDR644TIDR469T |
| Bank Negara Indonesia (Persero) | -24.5% | IDR210.27TIDR158.71T |
| Bank Syariah Indonesia | -10.6% | IDR117.63TIDR105.17T |
| Bank Permata | +148.7% | IDR34.92TIDR86.84T |
| Bank CIMB Niaga | -20.4% | IDR53.37TIDR42.48T |
| Bank Mega | -31.0% | IDR59.59TIDR41.09T |
| Bank Pan Indonesia | +27.6% | IDR27.93TIDR35.64T |
| Bank OCBC NISP | -10.1% | IDR31.54TIDR28.34T |
Financials
Financial Health of PNBN
Revenue & Earnings Performance
Revenue and Earnings performance of PNBN in the last 5 years.
PNBN Debt to Equity
Balance Sheet for PNBN
Supertype Fuzzy Search
FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | |
|---|---|---|---|---|---|
| Cash And Due From Banks | 6.29T | 4.88T | 2.96T | 2.6T | 2.49T |
| Total Assets | 218.07T | 204.46T | 212.43T | 222.01T | 243.96T |
| Total Liabilities | 170.61T | 155.91T | 161.72T | 158.15T | 176.23T |
| Total Equity | 47.46T | 48.55T | 50.72T | 53.31T | 56.07T |
Profit and Loss Statement for PNBN
Supertype Fuzzy Search
FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | |
|---|---|---|---|---|---|
| Revenue | 24.99T | 12.02T | 11.94T | 11.78T | 24.09T |
| Operating Profit/Loss | 3.9T | 2.48T | 4.07T | 3.68T | 3.67T |
| Earnings Before Tax | 4.07T | 2.51T | 4.09T | 3.78T | 3.65T |
Less Tax | -947.59B 24.29% | -697.36B 28.08% | -815.88B 20.03% | -770.19B 20.93% | -788.13B 21.47% |
| Profit/Loss | 3.15T | 2.06T | 3.04T | 2.53T | 3T |
Financial History of PNBN
A visual summary of PNBN financials over the past years based on annual reports. This is a great way to understand how the revenue and cost structure of IDX: PNBN has evolved over time.
| PNBN Revenue Breakdown | 2022 In IDR | 2023 In IDR | 1Y Change (FY '22 - FY '23) |
| Loans | 9.63T | 10.08T | +4.69% |
| Securities | 2.23T | 2.08T | -6.69% |
| Securities purchased with agreements to resell | 232.70B | 268.11B | +15.22% |
| Placement with Bank Indonesia and other banks | 138.47B | 312.57B | +125.73% |
| Deposits | 67.31B | 100.89B | +49.90% |
| Finance Receivables | 1.07T | 1.29T | +21.07% |
| Loan commissions and fees | 538.89B | 451.42B | -16.23% |
| Total PNBN Total Interest Income | 13.91T | 14.59T | +4.91% |
| PNBN Income Statement | 2022 In IDR | 2023 In IDR | 1Y Change (FY '22 - FY '23) |
| Interest Income | 13.91T | 14.59T | +4.91% |
| Interest income is the revenue generated by financial institutions from loans and other interest-earning assets. They are the primary source of revenue for banks and a sustainable growth in this revenue is a good sign for the bank. | |||
| Net Interest Income | 9.95T 71.54% | 9.21T 63.11% | -7.46% |
| Net Interest Income is the spread between the interest earned from interest-bearing assets and the interest paid to depositors. | |||
| Total Revenue | 11.94T | 11.78T | -1.35% |
| Total revenue combines interest income with non-interest income sources such as those earned through fees on mortgages, penalties on late payments, overdraft fees and monthly account maintenance fees. | |||
| Operating Income | 4.07T 34.10% | 3.68T 31.23% | -9.66% |
| Net Income | 3.04T 74.68% | 2.53T 68.81% | -16.76% |
| Net Income of PNBN after Interest, Taxes, Depreciation & Amortization |
1 Small discrepancies in the numbers are due to minor differences in the currency exchange rate.
Data in the Financial History of PNBN is retrieved from PNBN's financial reports, typically reported in the local currency (IDR) of the company with some exceptions. It is retrieved using Sector's LLM-assisted automated data pipelines and is subject to the usual data quality checks.
Source: PNBN Financials / Annual Reports, financial year 2023
Related News
April, 11, 2025
The Indonesian government's debt repayment schedule, which varies by month, is expected to impact the country's financial market, including the rupiah exchange rate, with a total of Rp 22 trillion in April and Rp 42.4 trillion in May. This debt repayment schedule is likely to influence market sentiment and affect the country's financial performance.
April, 8, 2025
President Donald Trump's tariff policy has triggered global financial market turmoil, causing many countries' currencies, including the Indonesian rupiah, to come under pressure, particularly in the emerging market valuta. The pressure on the rupiah has been seen in the off-shore non-deliverable forward market, amidst a long domestic market holiday for Idulfitri.
Management
Executive Management of PNBN
| Name | Position |
|---|---|
| Herwidayatmo | President Director |
| Hendrawan Danusaputra | Vice Presiden Director |
| Lionto Gunawan | Director |
| Gunawan Santoso | Director |
| Edy Heryanto | Director |
| Januar Hadi | Director |
| Antonius Ketut | Director |
| Soewito Tjokrorahardjo | Director |
| Haryono Wongsonegoro | Director |
Key Efficiency Indicators for PNBN against other Banks
Bank Pan Indonesia (PNBN) vs Peers
Comparing PNBN's ability to generate revenue and loan income from its total assets, equity, and employees.
| Bank | ROA | ROE | |||
|---|---|---|---|---|---|
| Bank Pan Indonesia | 1.23% | 5.34% | 275.24M | - | 23.73% |
| Bank Central Asia | 3.78% | 20.17% | 2.22B | 4.35% | 35.14% |
| Bank Rakyat Indonesia (Persero) | 3.02% | 18.61% | 1.01B | 7.99% | 41.53% |
| Bank Mandiri (Persero) | 2.30% | 17.79% | 1.63B | 4.12% | 39.98% |
| Bank Negara Indonesia (Persero) | 1.90% | 12.84% | 845.76M | 4.93% | 46.02% |
Key Efficiency Indicators for Evaluating Banks
Net income per employee is a measure of a company's profitability per employee. Banks with higher NIPE are more efficient in generating profit from their workforce. Also see: Largest employers in Indonesia and their NIPE
Related News
March, 7, 2025
Wit Oemar has been appointed as the Head of Corporate Banking at Citibank, N.A., Indonesia (C), reporting to K. Balasubramanian and Batara Sianturi, and will lead initiatives to strengthen client relationships across local corporates, financial institutions, and multinational clients. Oemar, a founding member of Citi Commercial Bank Indonesia, has held various leadership roles within the company, including Director of Local Corporates and Head of Global Subsidiaries Group, Indonesia.
Future
Future Growth of PNBN
Revenue and Earnings Growth Forecasts of PNBN
Analyst Ratings
Based on ratings from 1 analysts for PNBN over the past 3 months.
Hold
Strong Buy
0.0%
Buy
0.0%
Hold
100.0%
Sell
0.0%
Strong Sell
0.0%
Last Update: 2025-04-02
Sector Benchmark
Banks companies in Indonesia are growing at a projected rate of 30.75% against the IDX average of +18.9%.
No data is available for PNBN at the moment.
Related News
April, 13, 2025
J.P. Morgan (JPM) has raised the probability of a global economic recession to 60% following President Donald Trump's imposition of tariffs on imports from 180 countries, which has disrupted the global economy. The tariffs have led to retaliatory measures from many countries, further threatening the global economy and sparking concerns among businesses about the potential for a second round of global trade war.
April, 11, 2025
The Indonesian government's debt repayment schedule, which varies by month, is expected to impact the country's financial market, including the rupiah exchange rate, with a total of Rp 22 trillion in April and Rp 42.4 trillion in May. This debt repayment schedule is likely to influence market sentiment and affect the country's financial performance.
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Technical
Technical Ratings of PNBN
Oscillators
Buy
Sell
0
Neutral
9
Buy
2
Summary
Buy
Sell
6
Neutral
10
Buy
10
Moving Averages
Buy
Sell
6
Neutral
1
Buy
8
Last Update: 2025-04-12
Related News
April, 12, 2025
The US President Donald Trump's import tariff policy has shaken the financial market, causing investors to reorganize their portfolios, and surprisingly, the US dollar, typically a safe-haven asset, has been abandoned, with the dollar index falling 1.19% to 99,666. This unusual market reaction has sparked uncertainty, prompting a shift in investor behavior.
April, 11, 2025
Global and regional stock markets rebounded on Thursday, driven by US President Donald Trump's decision to delay the implementation of retaliatory tariffs on most countries, excluding China, for 90 days. The Jakarta Composite Index (IHSG) surged 4.79% to 6,254.02, following the majority of Asian bourses, as investors welcomed the news.
Ownership
PNBN Ownership
| Name | Number of Shares | Ownership (%) | Value |
|---|---|---|---|
| Pt. Panin Financial Tbk | 11,089,071,285 | 46.04 | 16,966.28B |
| Votraint No.1103 Pty Ltd-922704000 | 9,349,793,152 | 38.82 | 14,305.18B |
| Public | 3,642,681,561 | 15.12 | 5,573.30B |
| Treasury Stock | 6,100,000 | 0.02 | 9.33B |
Largest Institutional Buy
Largest Institutional Sell
Institutional Transactions
Tracking institutional transactions buying / selling of PNBN stockRelated News
April, 6, 2025
State Street Corporation has invested in 25 out of 30 stocks listed on the IDX30, with a focus on sectors such as banking, telecommunications, and energy, as of March 10, 2025, according to Bloomberg data. The American financial services and banking company has made significant investments in various Indonesian companies, highlighting its confidence in the country's economy.
April, 4, 2025
(Note: There are no company names mentioned in the article in the format 'Company Name (TICKER)', so none are included in the summary.)
Valuation
Valuation
Data operations
Financial Data for Bank Pan Indonesia
Transparency & processes on the financial data for producing this report for PNBN
Bank Pan Indonesia's peers and comparison
Bank Pan Indonesia operates in the Banks sector according to the IDX's Industry Classification System (IDX-IC). Whenever it's compared, it is compared to other companies in the same sector and sub-sector using this classification through a standardization processSP that perform minor adjustments where a fairer comparison is needed.
This might at times seems unintuitive, since the company might operate in multiple sectors, or have a different business model than is represented by the sector classification. However, it provides a 1:1 mapping to the IDX classification, which is helpful for industry benchmarking and comparison.
We default to Explainable ModelsEM, which means mathematically transparent models that can be verified and understood in a white-box manner.
Disclaimers and Data Ops for PNBN
- Sectors (and Supertype) do not act as your financial advisor, or in any fiduciary capacity whatsoever.
Read about our terms of service - The data is sourced from the public domain, and aggregated by financial data pipelines that we developed. These include financial statements, filings with the IDX Stock Exchange, the company's website, and other public sources.
- Where AI is used, we default to a human-in-the-loopHiiL approach led by financial analysts, banking veterans and financial journalists.
- Data is updated as soon as new information on Bank Pan Indonesia is made available, or when its peers in the Banks sector made new diclosures that might affect the sector benchmarking and comparison to Bank Pan Indonesia.
- Human-in-the-Loop AI
- Standardization Process
- Explainable Models
We explain the key data operations that we perform to ensure the quality and accuracy of financial data for Bank Pan Indonesia (PNBN) is maintained at the highest level.
Learn more about these three pillars of our data operations in: our Data Operations
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