Bank of Ayudhya PCL Defensive Interval Ratio

Latest as of December 2025: 84 days

Bank of Ayudhya PCL defensive interval ratio. Bank of Ayudhya PCL (BAY) has a Defensive Interval Ratio of 84 days as of December 2025. Defensive assets of ฿42.08 Billion (cash ฿-, short-term investments ฿27.52 Billion, receivables ฿14.56 Billion) cover 84 days of daily cash needs of ฿501.20 Million/day. Explore BAY long-term asset investment ratio to see how much of total assets are deployed in long-term investments.

Defensive Interval Ratio

84 days
Days of operational coverage

Defensive Assets

฿42.08 Billion
Cash + ST Investments + Receivables

Daily Cash Need

฿501.20 Million
Current Liabilities ÷ 365

Current Liabilities

฿182.94 Billion
THB

Defensive Interval Ratio of Bank of Ayudhya PCL (2004–2025)

Defensive interval ratio of Bank of Ayudhya PCL from 2004 to 2025. This chart shows how Bank of Ayudhya PCL's Defensive Interval Ratio has evolved across 22 annual periods from 2004 to 2025. As of December 2025, the ratio stands at 84 days, meaning defensive assets of ฿42.08 Billion can fund 84 days of operations without new revenue. Read BAY liabilities breakdown for a breakdown of total debt and financial obligations.

Bank of Ayudhya PCL Defensive Interval Ratio by Year (2004–2025)

Bank of Ayudhya PCL defensive interval ratio by year from 2004 to 2025. The table below presents the year-by-year Defensive Interval Ratio for Bank of Ayudhya PCL from 2004 to 2025, covering 22 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 the complete balance sheet picture, see Bank of Ayudhya PCL total assets.

Year DIR (days) Defensive Assets (THB) Daily Cash Need Cash ST Investments Change (days)
2025 84 days ฿42.08 Billion ฿501.20 Million/day ฿- ฿27.52 Billion ▼ -88 days
2024 172 days ฿871.91 Billion ฿5.06 Billion/day ฿- ฿113.10 Billion ▼ -11 days
2023 184 days ฿938.84 Billion ฿5.11 Billion/day ฿- ฿127.67 Billion ▼ -1 days
2022 185 days ฿923.48 Billion ฿4.99 Billion/day ฿- ฿144.65 Billion ▼ -11 days
2021 196 days ฿961.18 Billion ฿4.92 Billion/day ฿- ฿180.83 Billion ▲ +16 days
2020 180 days ฿910.71 Billion ฿5.07 Billion/day ฿- ฿155.64 Billion ▼ -41 days
2019 221 days ฿959.04 Billion ฿4.35 Billion/day ฿- ฿102.72 Billion ▼ -3 days
2018 223 days ฿885.63 Billion ฿3.96 Billion/day ฿- ฿117.10 Billion ▲ +9 days
2017 214 days ฿785.07 Billion ฿3.67 Billion/day ฿- ฿66.80 Billion ▼ -40 days
2016 254 days ฿784.18 Billion ฿3.08 Billion/day ฿- ฿114.50 Billion ▲ +8 days
2015 246 days ฿717.89 Billion ฿2.91 Billion/day ฿- ฿107.76 Billion ▲ +11 days
2014 235 days ฿550.02 Billion ฿2.34 Billion/day ฿- ฿55.94 Billion ▼ -20 days
2013 255 days ฿545.72 Billion ฿2.14 Billion/day ฿- ฿70.50 Billion ▲ +212 days
2012 42 days ฿81.76 Billion ฿1.93 Billion/day ฿- ฿71.73 Billion ▼ -60 days
2011 102 days ฿75.61 Billion ฿741.04 Million/day ฿- ฿73.66 Billion ▲ +59 days
2010 43 days ฿30.77 Billion ฿715.24 Million/day ฿- ฿29.04 Billion ▼ -2 days
2009 45 days ฿24.99 Billion ฿554.14 Million/day ฿- ฿22.78 Billion ▲ +26 days
2008 19 days ฿28.83 Billion ฿1.53 Billion/day ฿- ฿27.15 Billion ▼ -34 days
2007 53 days ฿24.87 Billion ฿473.53 Million/day ฿- ฿22.80 Billion ▲ +34 days
2006 19 days ฿30.63 Billion ฿1.62 Billion/day ฿- ฿28.24 Billion ▼ -24 days
2005 43 days ฿22.34 Billion ฿523.35 Million/day ฿- ฿22.34 Billion ▲ +23 days
2004 19 days ฿27.33 Billion ฿1.42 Billion/day ฿- ฿24.63 Billion —
DIR = (Cash + Short-term Investments + Net Receivables) / (Daily Cash Expenses)