Addiko Bank Balance Sheet Health
Financial Health criteria checks 5/6
Addiko Bank has total assets of €6.3B and total equity of €830.0M. Total deposits are €5.2B, and total loans are €3.6B. It earns a Net Interest Margin of 3.8%. It has sufficient allowance for bad loans, which are currently at 4% of total loans. Cash and short-term investments are €1.2B.
Key information
7.5x
Asset to equity ratio
3.8%
Net interest margin
| Total deposits | €5.22b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 4.0% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | €1.23b |
Recent financial health updates
No updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: ADKO's Assets to Equity ratio (7.5x) is low.
Allowance for Bad Loans: ADKO has a sufficient allowance for bad loans (120%).
Low Risk Liabilities: 96% of ADKO's liabilities are made up of primarily low risk sources of funding.
Loan Level: ADKO has an appropriate level of Loans to Assets ratio (57%).
Low Risk Deposits: ADKO's Loans to Deposits ratio (68%) is appropriate.
Level of Bad Loans: ADKO has a high level of bad loans (4%).