Hang Seng Bank Balance Sheet Health

Financial Health criteria checks 4/6

Hang Seng Bank has total assets of HK$1,708.5B and total equity of HK$166.4B. Total deposits are HK$1,236.8B, and total loans are HK$849.6B earning a Net Interest Margin of 2.3%. It has insufficient allowance for bad loans, which are currently at 5.3% of total loans. Cash and short-term investments are HK$223.0B.

Key information

10.3x

Asset to equity ratio

2.3%

Net interest margin

Total deposits

HK$1.24t

Loan to deposit ratio

Appropriate

Bad loans

5.3%

Allowance for bad loans

Low

Current ratio

Low

Cash & equivalents

HK$222.97b

Recent financial health updates

No updates

Recent updates

Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: HSB1's Assets to Equity ratio (10.3x) is moderate.

Allowance for Bad Loans: HSB1 has a low allowance for bad loans (33%).

Low Risk Liabilities: 80% of HSB1's liabilities are made up of primarily low risk sources of funding.

Loan Level: HSB1 has an appropriate level of Loans to Assets ratio (50%).

Low Risk Deposits: HSB1's Loans to Deposits ratio (69%) is appropriate.

Level of Bad Loans: HSB1 has a high level of bad loans (5.3%).


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