Bank Panin Reports Profit of IDR 2.87 Trillion Throughout 2025

PT Bank Pan Indonesia Tbk (PNBN), known as PaninBank, reported consolidated net profit of IDR 2.87 trillion throughout 2025. This represented modest year-on-year growth of 0.13% compared to the same period in 2024, which recorded IDR 2.86 trillion.

President Director Herwidayatmo explained that PaninBank’s profit growth in 2025 was primarily supported by increased fee-based income, which rose 3.47% year-on-year to IDR 2.30 trillion. This growth was notably driven by gains from securities transactions.

Net interest income achieved modest growth of 0.19% year-on-year, reaching IDR 8.95 trillion.

In its intermediation function, credit growth was slightly hindered, recording a decline of 2.56% to IDR 145.08 trillion. Despite this contraction, credit quality improved notably. Non-performing loans (NPL) were reduced, with gross NPL declining to 2.82% from the previous year’s 3.05%, whilst net NPL stood at 1.04%.

Third-party funds (DPK) increased 2.98% year-on-year to IDR 156.92 trillion. Total capital rose 5.07%, reaching IDR 54.98 trillion, with the capital adequacy ratio (CAR) improving to 37.49%.

During 2025, PaninBank successfully issued bonds as a long-term funding source, specifically the Sustainable Bond IV Bank Panin Phase III 2025, totalling IDR 3.2 trillion. The total bonds issued through the Continuous Public Offering IV Phase I, Phase II, and Phase III have reached IDR 7.21 trillion.