Bendigo and Adelaide Bank Balance Sheet Health
Financial Health criteria checks 6/6
Bendigo and Adelaide Bank has total assets of A$98.2B and total equity of A$7.0B. Total deposits are A$79.0B, and total loans are A$80.6B. It earns a Net Interest Margin of 1.9%. It has sufficient allowance for bad loans, which are currently at 0.07% of total loans. Cash and short-term investments are A$2.5B.
Key information
14x
Asset to equity ratio
1.9%
Net interest margin
| Total deposits | AU$78.99b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.07% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | AU$2.47b |
Recent financial health updates
No updates
Recent updates
Bendigo and Adelaide Bank (ASX:BEN) Has Announced That It Will Be Increasing Its Dividend To A$0.33
Aug 28
Here's Why We Think Bendigo and Adelaide Bank (ASX:BEN) Might Deserve Your Attention Today
May 08Bendigo and Adelaide Bank (ASX:BEN) Will Pay A Larger Dividend Than Last Year At A$0.32
Sep 02Bendigo and Adelaide Bank (ASX:BEN) Has Announced That It Will Be Increasing Its Dividend To A$0.32
Aug 19Bendigo and Adelaide Bank Limited's (ASX:BEN) CEO Compensation Looks Acceptable To Us And Here's Why
Nov 01Bendigo and Adelaide Bank (ASX:BEN) Is Due To Pay A Dividend Of A$0.265
Aug 17This Is Why Shareholders Will Hold Back On A Pay Rise For Bendigo and Adelaide Bank Limited's (ASX:BEN) CEO This Year
Nov 02Does It Make Sense To Buy Bendigo and Adelaide Bank Limited (ASX:BEN) For Its Yield?
Mar 02What We Learned About Bendigo and Adelaide Bank's (ASX:BEN) CEO Pay
Jan 25
Shareholders Of Bendigo and Adelaide Bank (ASX:BEN) Have Received 10% On Their Investment
Dec 21Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: BEN's Assets to Equity ratio (14x) is moderate.
Allowance for Bad Loans: BEN has a sufficient allowance for bad loans (494%).
Low Risk Liabilities: 87% of BEN's liabilities are made up of primarily low risk sources of funding.
Loan Level: BEN has an appropriate level of Loans to Assets ratio (82%).
Low Risk Deposits: BEN's Loans to Deposits ratio (102%) is appropriate.
Level of Bad Loans: BEN has an appropriate level of bad loans (0.1%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/01/03 06:30 |
| End of Day Share Price | 2025/01/03 00:00 |
| Earnings | 2024/06/30 |
| Annual Earnings | 2024/06/30 |
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
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
Bendigo and Adelaide Bank Limited is covered by 29 analysts. 11 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 |
|---|---|
| Anthony Hoo | ANZ Equities Pty Limited |
| Russell Wright | APP Securities Pty Ltd. |
| Jonathan Mott | Barrenjoey Markets Pty Limited |