Banestes - Banco do Estado do Espírito Santo Balance Sheet Health
Financial Health criteria checks 5/6
Banestes - Banco do Estado do Espírito Santo has total assets of R$41.4B and total equity of R$2.1B. Total deposits are R$22.6B, and total loans are R$11.6B.
Key information
19.5x
Asset to equity ratio
n/a
Net interest margin
Total deposits | R$22.63b |
Loan to deposit ratio | Appropriate |
Bad loans | 3.2% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | R$581.12m |
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: BEES3's Assets to Equity ratio (19.5x) is moderate.
Allowance for Bad Loans: BEES3 has a sufficient allowance for bad loans (126%).
Low Risk Liabilities: 58% of BEES3's liabilities are made up of primarily low risk sources of funding.
Loan Level: BEES3 has an appropriate level of Loans to Assets ratio (28%).
Low Risk Deposits: BEES3's Loans to Deposits ratio (51%) is appropriate.
Level of Bad Loans: BEES3 has a high level of bad loans (3.2%).