Jiangsu Zhangjiagang Rural Commercial Bank Balance Sheet Health
Financial Health criteria checks 6/6
Jiangsu Zhangjiagang Rural Commercial Bank has total assets of CN¥216.5B and total equity of CN¥17.8B. Total deposits are CN¥172.8B, and total loans are CN¥128.8B. It earns a Net Interest Margin of 2%. It has sufficient allowance for bad loans, which are currently at 1% of total loans. Cash and short-term investments are CN¥33.5B.
Key information
12.2x
Asset to equity ratio
2.0%
Net interest margin
Total deposits | CN¥172.80b |
Loan to deposit ratio | Appropriate |
Bad loans | 1.0% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | CN¥33.55b |
Recent financial health updates
No updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: 002839's Assets to Equity ratio (12.2x) is moderate.
Allowance for Bad Loans: 002839 has a sufficient allowance for bad loans (424%).
Low Risk Liabilities: 87% of 002839's liabilities are made up of primarily low risk sources of funding.
Loan Level: 002839 has an appropriate level of Loans to Assets ratio (60%).
Low Risk Deposits: 002839's Loans to Deposits ratio (75%) is appropriate.
Level of Bad Loans: 002839 has an appropriate level of bad loans (1%).