Bendigo and Adelaide Bank Balance Sheet Health
Financial Health criteria checks 6/6
Bendigo and Adelaide Bank has total assets of A$99.5B and total equity of A$7.0B. Total deposits are A$78.7B, and total loans are A$78.0B. It earns a Net Interest Margin of 1.9%. It has sufficient allowance for bad loans, which are currently at 0.09% of total loans. Cash and short-term investments are A$5.0B.
Key information
14.2x
Asset to equity ratio
1.9%
Net interest margin
| Total deposits | AU$78.66b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.09% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | AU$5.03b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: BENPH's Assets to Equity ratio (14.2x) is moderate.
Allowance for Bad Loans: BENPH has a sufficient allowance for bad loans (425%).
Low Risk Liabilities: 85% of BENPH's liabilities are made up of primarily low risk sources of funding.
Loan Level: BENPH has an appropriate level of Loans to Assets ratio (78%).
Low Risk Deposits: BENPH's Loans to Deposits ratio (99%) is appropriate.
Level of Bad Loans: BENPH has an appropriate level of bad loans (0.1%).