Postal Savings Bank of China Co Ltd (601658) — Defensive Interval Ratio

Latest as of December 2025: 10 days

Postal Savings Bank of China Co Ltd (601658) has a Defensive Interval Ratio of 10 days as of December 2025. Defensive assets of CN¥7.04 Billion (cash CN¥-, short-term investments CN¥-, receivables CN¥7.04 Billion) cover 10 days of daily cash needs of CN¥699.73 Million/day.

Defensive Interval Ratio

10 days
Days of operational coverage

Defensive Assets

CN¥7.04 Billion
Cash + ST Investments + Receivables

Daily Cash Need

CN¥699.73 Million
Current Liabilities ÷ 365

Current Liabilities

CN¥255.40 Billion
CNY

Postal Savings Bank of China Co Ltd Defensive Interval Ratio (2015–2025)

This chart shows how Postal Savings Bank of China Co Ltd's Defensive Interval Ratio has evolved across 11 annual periods from 2015 to 2025. As of December 2025, the ratio stands at 10 days, meaning defensive assets of CN¥7.04 Billion can fund 10 days of operations without new revenue. For the complete balance sheet picture, see Postal Savings Bank of China Co Ltd (601658) total assets.

Annual Defensive Interval Ratio for Postal Savings Bank of China Co Ltd (2015–2025)

The table below presents the year-by-year Defensive Interval Ratio for Postal Savings Bank of China Co Ltd 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 working capital position of Postal Savings Bank of China Co Ltd to evaluate short-term liquidity relative to the company's equity base.

Year DIR (days) Defensive Assets (CNY) Daily Cash Need Cash ST Investments Change (days)
2025 10 days CN¥7.04 Billion CN¥699.73 Million/day CN¥- CN¥- ▼ -2 days
2024 12 days CN¥506.04 Billion CN¥42.38 Billion/day CN¥- CN¥- ▼ -25 days
2023 37 days CN¥475.93 Billion CN¥12.75 Billion/day CN¥- CN¥- ▲ +27 days
2022 10 days CN¥125.93 Billion CN¥12.26 Billion/day CN¥- CN¥- ▲ +7 days
2021 3 days CN¥34.91 Billion CN¥11.47 Billion/day CN¥- CN¥- ▼ 0 days
2020 3 days CN¥34.42 Billion CN¥10.85 Billion/day CN¥- CN¥- ▼ -15 days
2019 18 days CN¥186.68 Billion CN¥10.11 Billion/day CN¥- CN¥- ▲ +13 days
2018 6 days CN¥53.85 Billion CN¥9.74 Billion/day CN¥- CN¥- ▼ -174 days
2017 180 days CN¥1.77 Trillion CN¥9.87 Billion/day CN¥- CN¥- ▼ -27 days
2016 207 days CN¥1.89 Trillion CN¥9.13 Billion/day CN¥- CN¥- ▼ -32 days
2015 239 days CN¥2.19 Trillion CN¥9.14 Billion/day CN¥- CN¥- —
DIR = (Cash + Short-term Investments + Net Receivables) / (Daily Cash Expenses)