CalBank Balance Sheet Health

Financial Health criteria checks 3/6

CalBank has total assets of GHS11.0B and total equity of GHS162.7M. Total deposits are GHS8.0B, and total loans are GHS2.7B.

Key information

67.5x

Asset to equity ratio

n/a

Net interest margin

Total deposits

GH₵8.03b

Loan to deposit ratio

Appropriate

Bad loans

33.2%

Allowance for bad loans

Low

Current ratio

Low

Cash & equivalents

GH₵3.10b

Recent financial health updates

No updates

Recent updates

Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: CAL's Assets to Equity ratio (67.5x) is very high.

Allowance for Bad Loans: CAL has a low allowance for bad loans (86%).

Low Risk Liabilities: 74% of CAL's liabilities are made up of primarily low risk sources of funding.

Loan Level: CAL has an appropriate level of Loans to Assets ratio (25%).

Low Risk Deposits: CAL's Loans to Deposits ratio (34%) is appropriate.

Level of Bad Loans: CAL has a high level of bad loans (33.2%).


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