Optima bank Balance Sheet Health

Financial Health criteria checks 6/6

Optima bank has total assets of €4.5B and total equity of €547.5M. Total deposits are €3.7B, and total loans are €3.0B.

Key information

8.3x

Asset to equity ratio

n/a

Net interest margin

Total deposits

€3.72b

Loan to deposit ratio

Appropriate

Bad loans

1.0%

Allowance for bad loans

Sufficient

Current ratio

Low

Cash & equivalents

€208.28m

Recent financial health updates

No updates

Recent updates

Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: C59's Assets to Equity ratio (8.3x) is low.

Allowance for Bad Loans: C59 has a sufficient allowance for bad loans (104%).

Low Risk Liabilities: 94% of C59's liabilities are made up of primarily low risk sources of funding.

Loan Level: C59 has an appropriate level of Loans to Assets ratio (67%).

Low Risk Deposits: C59's Loans to Deposits ratio (82%) is appropriate.

Level of Bad Loans: C59 has an appropriate level of bad loans (1%).


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