mBank SA (MBK) — Defensive Interval Ratio

Latest as of March 2026: 13 days

mBank SA (MBK) has a Defensive Interval Ratio of 13 days as of March 2026. Defensive assets of zł80.00 Million (cash zł-, short-term investments zł-, receivables zł80.00 Million) cover 13 days of daily cash needs of zł6.35 Million/day.

Defensive Interval Ratio

13 days
Days of operational coverage

Defensive Assets

zł80.00 Million
Cash + ST Investments + Receivables

Daily Cash Need

zł6.35 Million
Current Liabilities ÷ 365

Current Liabilities

zł2.32 Billion
PLN

mBank SA Defensive Interval Ratio (2004–2025)

This chart shows how mBank SA's Defensive Interval Ratio has evolved across 16 annual periods from 2004 to 2025. As of March 2026, the ratio stands at 13 days, meaning defensive assets of zł80.00 Million can fund 13 days of operations without new revenue. For the complete balance sheet picture, see how large is mBank SA's balance sheet.

Annual Defensive Interval Ratio for mBank SA (2004–2025)

The table below presents the year-by-year Defensive Interval Ratio for mBank SA from 2004 to 2025, covering 16 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 mBank SA (MBK) working capital ratio to evaluate short-term liquidity relative to the company's equity base.

Year DIR (days) Defensive Assets (PLN) Daily Cash Need Cash ST Investments Change (days)
2025 1802 days zł17.77 Billion zł9.86 Million/day zł- zł17.70 Billion ▲ +1798 days
2024 4 days zł2.15 Billion zł551.07 Million/day zł- zł- ▼ -1 days
2023 5 days zł2.33 Billion zł509.08 Million/day zł- zł- ▲ +1 days
2022 4 days zł1.75 Billion zł477.95 Million/day zł- zł- ▲ +1 days
2021 3 days zł1.36 Billion zł453.60 Million/day zł- zł- ▲ +1 days
2020 2 days zł883.07 Million zł370.32 Million/day zł- zł- ▲ +0 days
2019 2 days zł718.81 Million zł314.01 Million/day zł- zł- ▼ -2 days
2018 4 days zł1.10 Billion zł275.52 Million/day zł- zł- ▲ +2 days
2017 2 days zł543.97 Million zł269.91 Million/day zł- zł- ▼ 0 days
2016 2 days zł497.79 Million zł237.66 Million/day zł- zł- ▼ 0 days
2015 2 days zł474.88 Million zł213.00 Million/day zł- zł- ▼ -4 days
2014 6 days zł1.06 Billion zł180.44 Million/day zł- zł- ▲ +3 days
2013 3 days zł490.59 Million zł155.22 Million/day zł- zł- ▼ -4 days
2012 7 days zł1.02 Billion zł152.45 Million/day zł- zł- ▼ -238 days
2006 245 days zł20.90 Billion zł85.26 Million/day zł- zł- ▼ -131 days
2004 376 days zł21.21 Billion zł56.45 Million/day zł- zł- —
DIR = (Cash + Short-term Investments + Net Receivables) / (Daily Cash Expenses)