OSB Group Balance Sheet Health
Financial Health criteria checks 4/6
OSB Group has total assets of £29.6B and total equity of £2.1B. Total deposits are £22.2B, and total loans are £25.8B earning a Net Interest Margin of 2.3%. It has insufficient allowance for bad loans, which are currently at 3% of total loans. Cash and short-term investments are £2.8B.
Key information
13.8x
Asset to equity ratio
2.3%
Net interest margin
Total deposits | UK£22.19b |
Loan to deposit ratio | Appropriate |
Bad loans | 3.0% |
Allowance for bad loans | Low |
Current ratio | Low |
Cash & equivalents | UK£2.80b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: 2UK's Assets to Equity ratio (13.8x) is moderate.
Allowance for Bad Loans: 2UK has a low allowance for bad loans (19%).
Low Risk Liabilities: 81% of 2UK's liabilities are made up of primarily low risk sources of funding.
Loan Level: 2UK has an appropriate level of Loans to Assets ratio (87%).
Low Risk Deposits: 2UK's Loans to Deposits ratio (116%) is appropriate.
Level of Bad Loans: 2UK has a high level of bad loans (3%).