China Construction Bank Balance Sheet Health
Financial Health criteria checks 6/6
China Construction Bank has total assets of CN¥38,324.8B and total equity of CN¥3,172.1B. Total deposits are CN¥30,006.7B, and total loans are CN¥23,495.9B. It earns a Net Interest Margin of 1.7%. It has sufficient allowance for bad loans, which are currently at 1.3% of total loans. Cash and short-term investments are CN¥2,147.0B.
Key information
12.1x
Asset to equity ratio
1.7%
Net interest margin
Total deposits | CN¥30.01t |
Loan to deposit ratio | Appropriate |
Bad loans | 1.3% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | CN¥2.15t |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: CNCB's Assets to Equity ratio (12.1x) is moderate.
Allowance for Bad Loans: CNCB has a sufficient allowance for bad loans (240%).
Low Risk Liabilities: 85% of CNCB's liabilities are made up of primarily low risk sources of funding.
Loan Level: CNCB has an appropriate level of Loans to Assets ratio (61%).
Low Risk Deposits: CNCB's Loans to Deposits ratio (78%) is appropriate.
Level of Bad Loans: CNCB has an appropriate level of bad loans (1.3%).