Banco Patagonia Balance Sheet Health
Financial Health criteria checks 6/6
Banco Patagonia has total assets of ARS4,923.2B and total equity of ARS1,196.2B. Total deposits are ARS3,203.0B, and total loans are ARS1,405.6B. It earns a Net Interest Margin of 23.4%. It has sufficient allowance for bad loans, which are currently at 0.5% of total loans. Cash and short-term investments are ARS622.9B.
Key information
4.1x
Asset to equity ratio
23.4%
Net interest margin
| Total deposits | AR$3.20t |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.5% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | AR$622.94b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: BPAT's Assets to Equity ratio (4.1x) is low.
Allowance for Bad Loans: BPAT has a sufficient allowance for bad loans (182%).
Low Risk Liabilities: 86% of BPAT's liabilities are made up of primarily low risk sources of funding.
Loan Level: BPAT has an appropriate level of Loans to Assets ratio (29%).
Low Risk Deposits: BPAT's Loans to Deposits ratio (44%) is appropriate.
Level of Bad Loans: BPAT has an appropriate level of bad loans (0.5%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/19 23:11 |
| End of Day Share Price | 2024/12/19 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Industry and Sector Metrics
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Analyst Sources
Banco Patagonia S.A. is covered by 3 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Christian Reos | Allaria Ledesma & Cia Sociedad de Bolsa S.A. |
| Daniel Abut | Citigroup Inc |
| Federico Rey-Marino | Raymond James Latin America S.A |