mBank SA (MBK) — Defensive Interval Ratio

Latest as of June 2025: 4 days

mBank SA (MBK) has a Defensive Interval Ratio of 4 days as of June 2025. Defensive assets of zł2.43 Billion (cash zł-, short-term investments zł-, receivables zł2.43 Billion) cover 4 days of daily cash needs of zł564.33 Million/day. Check mBank SA (MBK) tangible net worth to evaluate the tangible quality of the company's equity base.

Defensive Interval Ratio

4 days
Days of operational coverage

Defensive Assets

zł2.43 Billion
Cash + ST Investments + Receivables

Daily Cash Need

zł564.33 Million
Current Liabilities ÷ 365

Current Liabilities

zł205.98 Billion
PLN

mBank SA Defensive Interval Ratio (2004–2024)

This chart shows how mBank SA's Defensive Interval Ratio has evolved across 14 annual periods from 2004 to 2024. As of June 2025, the ratio stands at 4 days, meaning defensive assets of zł2.43 Billion can fund 4 days of operations without new revenue. Also explore mBank SA (MBK) equity growth momentum to track the company's year-over-year net asset growth rate.

Annual Defensive Interval Ratio for mBank SA (2004–2024)

The table below presents the year-by-year Defensive Interval Ratio for mBank SA from 2004 to 2024, covering 14 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 mBank SA market cap and net worth.

Year DIR (days) Defensive Assets (PLN) Daily Cash Need Cash ST Investments Change (days)
2024 0 days zł230.23 Million zł468.17 Million/day zł- zł- ▼ -349 days
2023 350 days zł2.16 Billion zł6.18 Million/day zł- zł- ▲ +93 days
2022 257 days zł883.97 Million zł3.44 Million/day zł- zł- ▼ -38 days
2021 295 days zł981.40 Million zł3.32 Million/day zł- zł- ▲ +26 days
2020 269 days zł752.83 Million zł2.79 Million/day zł- zł- ▲ +64 days
2019 206 days zł546.06 Million zł2.65 Million/day zł- zł- ▲ +27 days
2018 179 days zł724.37 Million zł4.05 Million/day zł- zł- ▼ -81 days
2017 260 days zł519.59 Million zł2.00 Million/day zł- zł- ▼ -41 days
2016 301 days zł497.79 Million zł1.66 Million/day zł- zł- ▼ -8 days
2015 309 days zł474.88 Million zł1.54 Million/day zł- zł- ▼ -253 days
2014 562 days zł498.34 Million zł887.16K/day zł- zł- ▼ -92 days
2013 654 days zł490.59 Million zł750.23K/day zł- zł- ▼ -187 days
2012 841 days zł1.02 Billion zł1.22 Million/day zł- zł- ▲ +465 days
2004 376 days zł21.21 Billion zł56.45 Million/day zł- zł- —
DIR = (Cash + Short-term Investments + Net Receivables) / (Daily Cash Expenses)