Bank Panin Syariah Tbk (PNBS) — Defensive Interval Ratio

Latest as of March 2026: 0 days

Bank Panin Syariah Tbk (PNBS) has a Defensive Interval Ratio of 0 days as of March 2026. Defensive assets of Rp1.02 Billion (cash Rp-, short-term investments Rp-, receivables Rp1.02 Billion) cover 0 days of daily cash needs of Rp45.64 Billion/day.

Defensive Interval Ratio

0 days
Days of operational coverage

Defensive Assets

Rp1.02 Billion
Cash + ST Investments + Receivables

Daily Cash Need

Rp45.64 Billion
Current Liabilities ÷ 365

Current Liabilities

Rp16.66 Trillion
IDR

Bank Panin Syariah Tbk Defensive Interval Ratio (2015–2025)

This chart shows how Bank Panin Syariah Tbk's Defensive Interval Ratio has evolved across 11 annual periods from 2015 to 2025. As of March 2026, the ratio stands at 0 days, meaning defensive assets of Rp1.02 Billion can fund 0 days of operations without new revenue. For the complete balance sheet picture, see PNBS asset base.

Annual Defensive Interval Ratio for Bank Panin Syariah Tbk (2015–2025)

The table below presents the year-by-year Defensive Interval Ratio for Bank Panin Syariah Tbk from 2015 to 2025, covering 11 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. See Bank Panin Syariah Tbk short-term liquidity ratio to evaluate short-term liquidity relative to the company's equity base.

Year DIR (days) Defensive Assets (IDR) Daily Cash Need Cash ST Investments Change (days)
2025 9 days Rp1.02 Billion Rp117.89 Million/day Rp- Rp- ▲ +6 days
2024 3 days Rp94.74 Billion Rp36.98 Billion/day Rp- Rp- ▼ 0 days
2023 3 days Rp93.04 Billion Rp35.99 Billion/day Rp- Rp- ▼ -12 days
2022 15 days Rp79.38 Billion Rp5.39 Billion/day Rp- Rp- ▼ -21 days
2021 36 days Rp68.76 Billion Rp1.91 Billion/day Rp- Rp- ▲ +7 days
2020 29 days Rp45.18 Billion Rp1.55 Billion/day Rp- Rp- ▼ -196 days
2019 225 days Rp407.80 Billion Rp1.81 Billion/day Rp- Rp370.00 Billion ▲ +27 days
2018 198 days Rp450.71 Billion Rp2.27 Billion/day Rp- Rp413.88 Billion ▲ +148 days
2017 50 days Rp225.03 Billion Rp4.50 Billion/day Rp- Rp175.00 Billion ▼ -34 days
2016 84 days Rp393.19 Billion Rp4.70 Billion/day Rp- Rp350.00 Billion ▼ -371 days
2015 455 days Rp1.07 Trillion Rp2.36 Billion/day Rp- Rp1.05 Trillion —
DIR = (Cash + Short-term Investments + Net Receivables) / (Daily Cash Expenses)