Union Bank of Taiwan (2838) — Defensive Interval Ratio

Latest as of December 2025: 8 days

Union Bank of Taiwan (2838) has a Defensive Interval Ratio of 8 days as of December 2025. Defensive assets of NT$2.12 Billion (cash NT$-, short-term investments NT$-, receivables NT$2.12 Billion) cover 8 days of daily cash needs of NT$277.28 Million/day. See how liquid is Union Bank of Taiwan's working capital to evaluate short-term liquidity relative to the company's equity base.

Defensive Interval Ratio

8 days
Days of operational coverage

Defensive Assets

NT$2.12 Billion
Cash + ST Investments + Receivables

Daily Cash Need

NT$277.28 Million
Current Liabilities ÷ 365

Current Liabilities

NT$101.21 Billion
TWD

Union Bank of Taiwan Defensive Interval Ratio (2004–2025)

This chart shows how Union Bank of Taiwan's Defensive Interval Ratio has evolved across 22 annual periods from 2004 to 2025. As of December 2025, the ratio stands at 8 days, meaning defensive assets of NT$2.12 Billion can fund 8 days of operations without new revenue. See Union Bank of Taiwan balance sheet quality to measure how much of total assets are equity-financed.

Annual Defensive Interval Ratio for Union Bank of Taiwan (2004–2025)

The table below presents the year-by-year Defensive Interval Ratio for Union Bank of Taiwan from 2004 to 2025, covering 22 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 Union Bank of Taiwan market cap and net worth.

Year DIR (days) Defensive Assets (TWD) Daily Cash Need Cash ST Investments Change (days)
2025 182 days NT$50.59 Billion NT$277.28 Million/day NT$- NT$48.47 Billion ▲ +165 days
2024 18 days NT$40.46 Billion NT$2.27 Billion/day NT$- NT$- ▲ +15 days
2023 3 days NT$6.03 Billion NT$2.13 Billion/day NT$- NT$-31.77 Billion ▼ -12 days
2022 15 days NT$29.18 Billion NT$1.98 Billion/day NT$- NT$- ▲ +0 days
2021 15 days NT$27.48 Billion NT$1.89 Billion/day NT$- NT$- ▼ 0 days
2020 15 days NT$24.94 Billion NT$1.71 Billion/day NT$- NT$- ▲ +0 days
2019 14 days NT$21.18 Billion NT$1.51 Billion/day NT$- NT$- ▼ -46 days
2018 60 days NT$88.20 Billion NT$1.46 Billion/day NT$- NT$70.06 Billion ▲ +11 days
2017 49 days NT$62.64 Billion NT$1.28 Billion/day NT$- NT$44.89 Billion ▲ +1 days
2016 48 days NT$56.37 Billion NT$1.18 Billion/day NT$- NT$38.48 Billion ▼ -7 days
2015 55 days NT$63.60 Billion NT$1.15 Billion/day NT$- NT$48.39 Billion ▼ -26 days
2014 81 days NT$88.22 Billion NT$1.08 Billion/day NT$- NT$73.44 Billion ▲ +6 days
2013 75 days NT$75.12 Billion NT$997.49 Million/day NT$- NT$61.20 Billion ▼ -73 days
2012 149 days NT$139.93 Billion NT$941.65 Million/day NT$- NT$125.49 Billion ▼ -22 days
2011 171 days NT$154.90 Billion NT$907.95 Million/day NT$- NT$139.60 Billion ▲ +75 days
2010 96 days NT$78.48 Billion NT$821.67 Million/day NT$- NT$61.42 Billion ▼ -4 days
2009 100 days NT$78.53 Billion NT$788.49 Million/day NT$- NT$57.64 Billion ▲ +13 days
2008 87 days NT$70.69 Billion NT$815.96 Million/day NT$- NT$47.17 Billion ▲ +13 days
2007 73 days NT$58.47 Billion NT$797.37 Million/day NT$- NT$29.51 Billion ▼ -12 days
2006 85 days NT$72.71 Billion NT$851.32 Million/day NT$- NT$34.87 Billion ▲ +61 days
2005 24 days NT$21.54 Billion NT$890.23 Million/day NT$- NT$21.54 Billion ▲ +7 days
2004 17 days NT$9.18 Billion NT$537.90 Million/day NT$- NT$9.18 Billion —
DIR = (Cash + Short-term Investments + Net Receivables) / (Daily Cash Expenses)