PT Bank SMBC Indonesia Tbk (BTPN) — Defensive Interval Ratio

Latest as of September 2025: 9 days

PT Bank SMBC Indonesia Tbk (BTPN) has a Defensive Interval Ratio of 9 days as of September 2025. Defensive assets of Rp3.16 Trillion (cash Rp-, short-term investments Rp-, receivables Rp3.16 Trillion) cover 9 days of daily cash needs of Rp332.98 Billion/day. Check PT Bank SMBC Indonesia Tbk tangible book value ratio to evaluate the tangible quality of the company's equity base.

Defensive Interval Ratio

9 days
Days of operational coverage

Defensive Assets

Rp3.16 Trillion
Cash + ST Investments + Receivables

Daily Cash Need

Rp332.98 Billion
Current Liabilities ÷ 365

Current Liabilities

Rp121.54 Trillion
IDR

PT Bank SMBC Indonesia Tbk Defensive Interval Ratio (2012–2024)

This chart shows how PT Bank SMBC Indonesia Tbk's Defensive Interval Ratio has evolved across 13 annual periods from 2012 to 2024. As of September 2025, the ratio stands at 9 days, meaning defensive assets of Rp3.16 Trillion can fund 9 days of operations without new revenue. Also explore net asset momentum of PT Bank SMBC Indonesia Tbk to track the company's year-over-year net asset growth rate.

Annual Defensive Interval Ratio for PT Bank SMBC Indonesia Tbk (2012–2024)

The table below presents the year-by-year Defensive Interval Ratio for PT Bank SMBC Indonesia Tbk from 2012 to 2024, covering 13 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 PT Bank SMBC Indonesia Tbk (BTPN) market capitalisation.

Year DIR (days) Defensive Assets (IDR) Daily Cash Need Cash ST Investments Change (days)
2024 23 days Rp4.52 Trillion Rp200.60 Billion/day Rp- Rp- ▲ +199 days
2023 -176 days Rp-30.94 Trillion Rp175.76 Billion/day Rp- Rp-34.66 Trillion ▼ -5604 days
2022 5428 days Rp2.91 Trillion Rp536.36 Million/day Rp- Rp- ▲ +1876 days
2021 3552 days Rp1.48 Trillion Rp417.79 Million/day Rp- Rp- ▲ +1187 days
2020 2365 days Rp1.86 Trillion Rp787.45 Million/day Rp- Rp- ▲ +108 days
2019 2257 days Rp1.79 Trillion Rp793.27 Million/day Rp- Rp- ▼ -1332 days
2018 3588 days Rp2.29 Trillion Rp639.53 Million/day Rp- Rp1.59 Trillion ▼ -4013 days
2017 7601 days Rp4.05 Trillion Rp533.12 Million/day Rp- Rp3.25 Trillion ▲ +2611 days
2016 4990 days Rp3.58 Trillion Rp716.58 Million/day Rp- Rp2.75 Trillion ▼ -2499 days
2015 7489 days Rp5.46 Trillion Rp728.98 Million/day Rp- Rp4.78 Trillion ▼ -12158 days
2014 19647 days Rp12.26 Trillion Rp623.95 Million/day Rp- Rp11.63 Trillion ▼ -6943 days
2013 26590 days Rp15.32 Trillion Rp576.06 Million/day Rp- Rp14.70 Trillion ▲ +10587 days
2012 16004 days Rp7.58 Trillion Rp473.60 Million/day Rp- Rp7.03 Trillion —
DIR = (Cash + Short-term Investments + Net Receivables) / (Daily Cash Expenses)