Banco Bilbao Vizcaya Argentaria SA (BBVA) — Defensive Interval Ratio

Latest as of September 2025: 41 days

Banco Bilbao Vizcaya Argentaria SA (BBVA) has a Defensive Interval Ratio of 41 days as of September 2025. Defensive assets of €64.78 Billion (cash €-, short-term investments €59.11 Billion, receivables €5.67 Billion) cover 41 days of daily cash needs of €1.59 Billion/day. Check Banco Bilbao Vizcaya Argentaria SA tangible net worth ratio to evaluate the tangible quality of the company's equity base.

Defensive Interval Ratio

41 days
Days of operational coverage

Defensive Assets

€64.78 Billion
Cash + ST Investments + Receivables

Daily Cash Need

€1.59 Billion
Current Liabilities ÷ 365

Current Liabilities

€581.05 Billion
EUR

Banco Bilbao Vizcaya Argentaria SA Defensive Interval Ratio (1991–2024)

This chart shows how Banco Bilbao Vizcaya Argentaria SA's Defensive Interval Ratio has evolved across 33 annual periods from 1991 to 2024. As of September 2025, the ratio stands at 41 days, meaning defensive assets of €64.78 Billion can fund 41 days of operations without new revenue. Also explore Banco Bilbao Vizcaya Argentaria SA net asset momentum to track the company's year-over-year net asset growth rate.

Annual Defensive Interval Ratio for Banco Bilbao Vizcaya Argentaria SA (1991–2024)

The table below presents the year-by-year Defensive Interval Ratio for Banco Bilbao Vizcaya Argentaria SA from 1991 to 2024, covering 33 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 Banco Bilbao Vizcaya Argentaria SA market capitalisation.

Year DIR (days) Defensive Assets (EUR) Daily Cash Need Cash ST Investments Change (days)
2024 70 days €106.95 Billion €1.53 Billion/day €- €58.98 Billion ▼ -2 days
2023 73 days €87.30 Billion €1.20 Billion/day €- €62.20 Billion ▼ -40 days
2022 113 days €152.32 Billion €1.35 Billion/day €- €140.31 Billion ▼ -149723 days
2021 149836 days €89.49 Billion €597.26K/day €- €60.39 Billion ▲ +896 days
2020 148939 days €99.56 Billion €668.49K/day €- €74.42 Billion ▲ +148831 days
2019 108 days €140.31 Billion €1.30 Billion/day €- €129.03 Billion ▲ +9 days
2018 99 days €126.30 Billion €1.27 Billion/day €- €114.17 Billion ▼ -10 days
2017 109 days €135.07 Billion €1.24 Billion/day €- €124.26 Billion ▼ -1 days
2016 110 days €145.21 Billion €1.32 Billion/day €- €133.91 Billion ▼ -18 days
2015 128 days €178.84 Billion €1.39 Billion/day €- €167.59 Billion ▼ -29 days
2014 158 days €194.46 Billion €1.23 Billion/day €- €185.33 Billion ▲ +8 days
2013 150 days €163.93 Billion €1.09 Billion/day €- €154.46 Billion ▲ +28 days
2012 121 days €118.23 Billion €973.88 Million/day €- €108.81 Billion ▲ +18 days
2011 104 days €98.25 Billion €949.09 Million/day €- €88.89 Billion ▼ -12 days
2010 116 days €108.26 Billion €933.92 Million/day €- €98.99 Billion ▼ -25 days
2009 141 days €120.42 Billion €854.33 Million/day €- €111.00 Billion ▲ +24 days
2008 117 days €102.02 Billion €872.19 Million/day €- €91.39 Billion ▼ -25 days
2007 142 days €117.28 Billion €827.23 Million/day €- €107.43 Billion ▼ -6 days
2006 147 days €98.17 Billion €666.27 Million/day €- €89.65 Billion ▼ -17 days
2005 165 days €111.83 Billion €679.54 Million/day €- €104.42 Billion ▲ +22 days
2004 143 days €101.75 Billion €711.99 Million/day €- €95.80 Billion ▲ +94 days
2003 49 days €18.91 Billion €385.76 Million/day €- €18.91 Billion ▼ 0 days
2002 49 days €19.79 Billion €401.90 Million/day €- €19.79 Billion ▲ +5 days
2001 44 days €20.20 Billion €456.96 Million/day €- €20.20 Billion ▲ +4 days
2000 40 days €14.75 Billion €371.14 Million/day €- €14.75 Billion ▲ +8 days
1999 31 days €12.05 Billion €383.97 Million/day €- €12.05 Billion ▲ +11 days
1998 20 days €6.06 Billion €299.50 Million/day €- €4.22 Billion ▼ -38 days
1997 58 days €17.59 Billion €304.33 Million/day €- €17.59 Billion ▲ +15 days
1996 43 days €10.85 Billion €254.78 Million/day €- €10.85 Billion ▲ +8 days
1995 35 days €7.68 Billion €220.15 Million/day €- €7.68 Billion ▲ +4 days
1994 30 days €6.05 Billion €198.31 Million/day €- €6.05 Billion ▲ +1 days
1993 29 days €5.07 Billion €173.78 Million/day €- €5.07 Billion ▲ +18 days
1991 11 days €877.41 Million €80.91 Million/day €- €- —
DIR = (Cash + Short-term Investments + Net Receivables) / (Daily Cash Expenses)