Bank Panin Syariah Tbk (PNBS) — Defensive Interval Ratio

Latest as of June 2025: 2 days

Bank Panin Syariah Tbk (PNBS) has a Defensive Interval Ratio of 2 days as of June 2025. Defensive assets of Rp92.51 Billion (cash Rp-, short-term investments Rp-, receivables Rp92.51 Billion) cover 2 days of daily cash needs of Rp41.59 Billion/day. Check how tangible is Bank Panin Syariah Tbk's equity to evaluate the tangible quality of the company's equity base.

Defensive Interval Ratio

2 days
Days of operational coverage

Defensive Assets

Rp92.51 Billion
Cash + ST Investments + Receivables

Daily Cash Need

Rp41.59 Billion
Current Liabilities ÷ 365

Current Liabilities

Rp15.18 Trillion
IDR

Bank Panin Syariah Tbk Defensive Interval Ratio (2015–2024)

This chart shows how Bank Panin Syariah Tbk's Defensive Interval Ratio has evolved across 10 annual periods from 2015 to 2024. As of June 2025, the ratio stands at 2 days, meaning defensive assets of Rp92.51 Billion can fund 2 days of operations without new revenue. Also explore PNBS net asset momentum to track the company's year-over-year net asset growth rate.

Annual Defensive Interval Ratio for Bank Panin Syariah Tbk (2015–2024)

The table below presents the year-by-year Defensive Interval Ratio for Bank Panin Syariah Tbk from 2015 to 2024, covering 10 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 PNBS market cap overview.

Year DIR (days) Defensive Assets (IDR) Daily Cash Need Cash ST Investments Change (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)