Banco do Estado de Sergipe Balance Sheet Health
Financial Health criteria checks 5/6
Banco do Estado de Sergipe has total assets of R$10.8B and total equity of R$707.2M. Total deposits are R$8.6B, and total loans are R$4.6B. It earns a Net Interest Margin of 6.1%. It has sufficient allowance for bad loans, which are currently at 4.2% of total loans. Cash and short-term investments are R$3.0B.
Key information
15.2x
Asset to equity ratio
6.1%
Net interest margin
| Total deposits | R$8.60b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 4.2% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | R$2.96b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: BGIP4's Assets to Equity ratio (15.2x) is moderate.
Allowance for Bad Loans: BGIP4 has a sufficient allowance for bad loans (139%).
Low Risk Liabilities: 86% of BGIP4's liabilities are made up of primarily low risk sources of funding.
Loan Level: BGIP4 has an appropriate level of Loans to Assets ratio (42%).
Low Risk Deposits: BGIP4's Loans to Deposits ratio (53%) is appropriate.
Level of Bad Loans: BGIP4 has a high level of bad loans (4.2%).