Suruga Bank Balance Sheet Health

Financial Health criteria checks 4/6

Suruga Bank has total assets of ¥3,527.9B and total equity of ¥296.9B. Total deposits are ¥3,212.5B, and total loans are ¥2,089.5B earning a Net Interest Margin of 1.9%. It has insufficient allowance for bad loans, which are currently at 9% of total loans. Cash and short-term investments are ¥887.4B.

Key information

11.9x

Asset to equity ratio

1.9%

Net interest margin

Total deposits

JP¥3.21t

Loan to deposit ratio

Appropriate

Bad loans

9.0%

Allowance for bad loans

Low

Current ratio

Low

Cash & equivalents

JP¥887.36b

Recent financial health updates

No updates

Recent updates

Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: URU's Assets to Equity ratio (11.9x) is moderate.

Allowance for Bad Loans: URU has a low allowance for bad loans (55%).

Low Risk Liabilities: 99% of URU's liabilities are made up of primarily low risk sources of funding.

Loan Level: URU has an appropriate level of Loans to Assets ratio (59%).

Low Risk Deposits: URU's Loans to Deposits ratio (65%) is appropriate.

Level of Bad Loans: URU has a high level of bad loans (9%).


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