Itaú Unibanco Holding S.A. (ITUB3) — Defensive Interval Ratio
Itaú Unibanco Holding S.A. (ITUB3) has a Defensive Interval Ratio of 24 days as of June 2026. Defensive assets of R$121.78 Billion (cash R$-, short-term investments R$117.21 Billion, receivables R$4.57 Billion) cover 24 days of daily cash needs of R$5.13 Billion/day.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Itaú Unibanco Holding S.A. Defensive Interval Ratio (2000–2025)
This chart shows how Itaú Unibanco Holding S.A.'s Defensive Interval Ratio has evolved across 26 annual periods from 2000 to 2025. As of June 2026, the ratio stands at 24 days, meaning defensive assets of R$121.78 Billion can fund 24 days of operations without new revenue. For the complete balance sheet picture, see Itaú Unibanco Holding S.A. asset portfolio.
Annual Defensive Interval Ratio for Itaú Unibanco Holding S.A. (2000–2025)
The table below presents the year-by-year Defensive Interval Ratio for Itaú Unibanco Holding S.A. from 2000 to 2025, covering 26 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 Itaú Unibanco Holding S.A. short-term liquidity ratio to evaluate short-term liquidity relative to the company's equity base.
| Year | DIR (days) | Defensive Assets (BRL) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 53 days | R$262.64 Billion | R$4.93 Billion/day | R$- | R$132.47 Billion | ▼ -49 days |
| 2024 | 102 days | R$473.92 Billion | R$4.65 Billion/day | R$- | R$373.68 Billion | ▼ -14 days |
| 2023 | 116 days | R$483.53 Billion | R$4.16 Billion/day | R$- | R$387.01 Billion | ▼ -5 days |
| 2022 | 121 days | R$444.87 Billion | R$3.67 Billion/day | R$- | R$366.50 Billion | ▼ -478 days |
| 2021 | 599 days | R$171.92 Billion | R$287.15 Million/day | R$- | R$105.62 Billion | ▲ +2 days |
| 2020 | 596 days | R$166.86 Billion | R$279.82 Million/day | R$- | R$109.94 Billion | ▲ +212 days |
| 2019 | 385 days | R$133.31 Billion | R$346.68 Million/day | R$- | R$76.66 Billion | ▼ -49 days |
| 2018 | 433 days | R$100.02 Billion | R$230.77 Million/day | R$- | R$49.32 Billion | ▲ +26 days |
| 2017 | 407 days | R$113.51 Billion | R$278.81 Million/day | R$- | R$102.28 Billion | ▲ +47 days |
| 2016 | 360 days | R$95.16 Billion | R$264.05 Million/day | R$- | R$88.28 Billion | ▲ +23 days |
| 2015 | 337 days | R$90.74 Billion | R$269.36 Million/day | R$- | R$86.05 Billion | ▼ -53 days |
| 2014 | 390 days | R$82.47 Billion | R$211.67 Million/day | R$- | R$78.36 Billion | ▼ -141 days |
| 2013 | 531 days | R$99.48 Billion | R$187.32 Million/day | R$- | R$96.63 Billion | ▲ +12 days |
| 2012 | 519 days | R$94.90 Billion | R$182.80 Million/day | R$- | R$90.87 Billion | ▼ -921 days |
| 2011 | 1440 days | R$264.99 Billion | R$184.02 Million/day | R$- | R$261.65 Billion | ▲ +811 days |
| 2010 | 629 days | R$218.88 Billion | R$348.21 Million/day | R$- | R$124.03 Billion | ▲ +217 days |
| 2009 | 411 days | R$94.61 Billion | R$230.13 Million/day | R$- | R$80.25 Billion | ▼ -337 days |
| 2008 | 748 days | R$111.27 Billion | R$148.70 Million/day | R$- | R$111.27 Billion | ▲ +275 days |
| 2007 | 473 days | R$61.83 Billion | R$130.75 Million/day | R$- | R$61.83 Billion | ▲ +41 days |
| 2006 | 431 days | R$36.54 Billion | R$84.69 Million/day | R$- | R$36.54 Billion | ▼ -47 days |
| 2005 | 479 days | R$22.85 Billion | R$47.73 Million/day | R$- | R$22.85 Billion | ▼ -70 days |
| 2004 | 549 days | R$18.58 Billion | R$33.86 Million/day | R$- | R$18.58 Billion | ▼ -22 days |
| 2003 | 571 days | R$19.39 Billion | R$33.94 Million/day | R$- | R$19.39 Billion | ▲ +262 days |
| 2002 | 309 days | R$7.93 Billion | R$25.63 Million/day | R$- | R$7.93 Billion | ▼ -308 days |
| 2001 | 617 days | R$13.22 Billion | R$21.41 Million/day | R$- | R$13.22 Billion | ▼ -126 days |
| 2000 | 743 days | R$11.35 Billion | R$15.27 Million/day | R$- | R$- | — |