Banco do Estado de Sergipe Balance Sheet Health
Financial Health criteria checks 4/6
Banco do Estado de Sergipe has total assets of R$10.6B and total equity of R$805.3M. Total deposits are R$8.3B, and total loans are R$4.0B earning a Net Interest Margin of 6.1%. It has insufficient allowance for bad loans, which are currently at 6.8% of total loans. Cash and short-term investments are R$2.1B.
Key information
13.1x
Asset to equity ratio
6.1%
Net interest margin
| Total deposits | R$8.35b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 6.8% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | R$2.05b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: BGIP3's Assets to Equity ratio (13.1x) is moderate.
Allowance for Bad Loans: BGIP3 has a low allowance for bad loans (59%).
Low Risk Liabilities: 85% of BGIP3's liabilities are made up of primarily low risk sources of funding.
Loan Level: BGIP3 has an appropriate level of Loans to Assets ratio (38%).
Low Risk Deposits: BGIP3's Loans to Deposits ratio (48%) is appropriate.
Level of Bad Loans: BGIP3 has a high level of bad loans (6.8%).