Banco do Estado de Sergipe S.A.

BOVESPA:BGIP4 Stock Report

Market Cap: R$438.6m

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: BGIP4's Assets to Equity ratio (13.1x) is moderate.

Allowance for Bad Loans: BGIP4 has a low allowance for bad loans (59%).

Low Risk Liabilities: 85% 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 (38%).

Low Risk Deposits: BGIP4's Loans to Deposits ratio (48%) is appropriate.

Level of Bad Loans: BGIP4 has a high level of bad loans (6.8%).


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