Bendigo and Adelaide Bank Ltd (BEN) — Defensive Interval Ratio
Bendigo and Adelaide Bank Ltd (BEN) has a Defensive Interval Ratio of 3 days as of June 2025. Defensive assets of AU$598.90 Million (cash AU$-, short-term investments AU$-, receivables AU$598.90 Million) cover 3 days of daily cash needs of AU$231.73 Million/day. Check BEN tangible net worth ratio to evaluate the tangible quality of the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Bendigo and Adelaide Bank Ltd Defensive Interval Ratio (1991–2025)
This chart shows how Bendigo and Adelaide Bank Ltd's Defensive Interval Ratio has evolved across 35 annual periods from 1991 to 2025. As of June 2025, the ratio stands at 3 days, meaning defensive assets of AU$598.90 Million can fund 3 days of operations without new revenue. Also explore net asset momentum of Bendigo and Adelaide Bank Ltd to track the company's year-over-year net asset growth rate.
Annual Defensive Interval Ratio for Bendigo and Adelaide Bank Ltd (1991–2025)
The table below presents the year-by-year Defensive Interval Ratio for Bendigo and Adelaide Bank Ltd from 1991 to 2025, covering 35 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see Bendigo and Adelaide Bank Ltd market capitalisation.
| Year | DIR (days) | Defensive Assets (AUD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 3 days | AU$598.90 Million | AU$231.73 Million/day | AU$- | AU$- | ▲ +26 days |
| 2024 | -23 days | AU$-3.01 Billion | AU$130.03 Million/day | AU$- | AU$-3.48 Billion | ▼ -13 days |
| 2023 | -10 days | AU$-1.31 Billion | AU$130.69 Million/day | AU$- | AU$-1.82 Billion | ▼ -12 days |
| 2022 | 2 days | AU$296.80 Million | AU$135.04 Million/day | AU$- | AU$-7.20 Million | ▼ -173 days |
| 2021 | 175 days | AU$276.90 Million | AU$1.58 Million/day | AU$- | AU$-7.00 Million | ▼ -779 days |
| 2020 | 955 days | AU$2.54 Billion | AU$2.66 Million/day | AU$- | AU$2.29 Billion | ▼ -77 days |
| 2019 | 1032 days | AU$1.44 Billion | AU$1.39 Million/day | AU$- | AU$1.08 Billion | ▼ -120 days |
| 2018 | 1152 days | AU$1.46 Billion | AU$1.27 Million/day | AU$- | AU$1.15 Billion | ▲ +254 days |
| 2017 | 898 days | AU$1.34 Billion | AU$1.49 Million/day | AU$- | AU$1.04 Billion | ▼ -14 days |
| 2016 | 912 days | AU$1.28 Billion | AU$1.40 Million/day | AU$- | AU$956.20 Million | ▲ +312 days |
| 2015 | 600 days | AU$1.11 Billion | AU$1.86 Million/day | AU$- | AU$782.70 Million | ▲ +23 days |
| 2014 | 577 days | AU$1.40 Billion | AU$2.42 Million/day | AU$- | AU$691.50 Million | ▲ +509 days |
| 2013 | 68 days | AU$1.26 Billion | AU$18.54 Million/day | AU$- | AU$672.20 Million | ▲ +5 days |
| 2012 | 63 days | AU$1.17 Billion | AU$18.72 Million/day | AU$- | AU$687.30 Million | ▲ +19 days |
| 2011 | 43 days | AU$1.04 Billion | AU$24.09 Million/day | AU$- | AU$643.30 Million | ▼ -5 days |
| 2010 | 48 days | AU$1.24 Billion | AU$25.77 Million/day | AU$- | AU$641.70 Million | ▲ +27 days |
| 2009 | 21 days | AU$589.10 Million | AU$28.16 Million/day | AU$- | AU$115.60 Million | ▲ +5 days |
| 2008 | 16 days | AU$524.20 Million | AU$32.19 Million/day | AU$- | AU$80.40 Million | ▼ -929 days |
| 2007 | 946 days | AU$141.70 Million | AU$149.86K/day | AU$- | AU$40.10 Million | ▲ +553 days |
| 2006 | 393 days | AU$150.60 Million | AU$383.56K/day | AU$- | AU$83.70 Million | ▼ -8922 days |
| 2005 | 9315 days | AU$2.71 Billion | AU$290.96K/day | AU$- | AU$-3.00 Million | ▲ +9340 days |
| 2004 | -25 days | AU$-6.00 Million | AU$243.01K/day | AU$- | AU$-6.00 Million | ▼ -118 days |
| 2003 | 93 days | AU$23.31 Million | AU$250.03K/day | AU$- | AU$23.31 Million | ▼ -273 days |
| 2002 | 366 days | AU$71.94 Million | AU$196.62K/day | AU$- | AU$71.94 Million | ▼ -3531 days |
| 2001 | 3897 days | AU$61.40 Million | AU$15.76K/day | AU$- | AU$61.40 Million | ▲ +3817 days |
| 2000 | 80 days | AU$83.36 Million | AU$1.04 Million/day | AU$- | AU$2.50 Million | ▼ -664 days |
| 1999 | 744 days | AU$671.83 Million | AU$902.54K/day | AU$- | AU$529.72 Million | ▲ +177 days |
| 1998 | 567 days | AU$585.26 Million | AU$1.03 Million/day | AU$- | AU$473.24 Million | ▼ -74 days |
| 1997 | 642 days | AU$289.82 Million | AU$451.65K/day | AU$- | AU$227.34 Million | ▼ -491 days |
| 1996 | 1133 days | AU$7.94 Million | AU$7.01K/day | AU$- | AU$2.56 Million | ▲ +745 days |
| 1995 | 388 days | AU$124.08 Million | AU$319.53K/day | AU$- | AU$116.63 Million | ▼ -655 days |
| 1994 | 1043 days | AU$138.22 Million | AU$132.46K/day | AU$- | AU$48.35 Million | ▲ +227 days |
| 1993 | 816 days | AU$130.87 Million | AU$160.32K/day | AU$- | AU$58.52 Million | ▲ +239 days |
| 1992 | 578 days | AU$138.04 Million | AU$238.96K/day | AU$- | AU$87.22 Million | ▲ +213 days |
| 1991 | 365 days | AU$80.22 Million | AU$219.78K/day | AU$- | AU$80.22 Million | — |