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$38.3B and total equity of R$2.2B. Total deposits are R$24.1B, and total loans are R$14.6B.
Key information
17.8x
Asset to equity ratio
n/a
Net interest margin
| Total deposits | R$24.11b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 2.8% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | R$600.23m |
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: BEES3's Assets to Equity ratio (17.8x) is moderate.
Allowance for Bad Loans: BEES3 has a sufficient allowance for bad loans (123%).
Low Risk Liabilities: 67% 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 (38%).
Low Risk Deposits: BEES3's Loans to Deposits ratio (61%) is appropriate.
Level of Bad Loans: BEES3 has a high level of bad loans (2.8%).