North Pacific BankLtd Balance Sheet Health
Financial Health criteria checks 4/6
North Pacific BankLtd has total assets of ¥13,245.8B and total equity of ¥437.5B. Total deposits are ¥10,890.3B, and total loans are ¥7,483.2B earning a Net Interest Margin of 0.6%. It has insufficient allowance for bad loans, which are currently at 1.2% of total loans. Cash and short-term investments are ¥2,811.6B.
Key information
30.3x
Asset to equity ratio
0.6%
Net interest margin
| Total deposits | JP¥10.89t |
| Loan to deposit ratio | Appropriate |
| Bad loans | 1.2% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | JP¥2.81t |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: 2PT's Assets to Equity ratio (30.3x) is very high.
Allowance for Bad Loans: 2PT has a low allowance for bad loans (48%).
Low Risk Liabilities: 85% of 2PT's liabilities are made up of primarily low risk sources of funding.
Loan Level: 2PT has an appropriate level of Loans to Assets ratio (56%).
Low Risk Deposits: 2PT's Loans to Deposits ratio (69%) is appropriate.
Level of Bad Loans: 2PT has an appropriate level of bad loans (1.2%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/25 12:56 |
| End of Day Share Price | 2024/12/23 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2024/03/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Industry and Sector Metrics
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Analyst Sources
North Pacific Bank,Ltd. is covered by 3 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Masahiko Sato | Nomura Securities Co. Ltd. |
| Ken Takamiya | Nomura Securities Co. Ltd. |
| Masahiko Sato | SMBC NIKKO |