CalBank Balance Sheet Health
Financial Health criteria checks 5/6
CalBank has total assets of GHS10.3B and total equity of GHS708.8M. Total deposits are GHS8.0B, and total loans are GHS3.4B.
Key information
14.5x
Asset to equity ratio
n/a
Net interest margin
Total deposits | GH₵7.99b |
Loan to deposit ratio | Appropriate |
Bad loans | 11.7% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | GH₵2.21b |
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 (14.5x) is moderate.
Allowance for Bad Loans: CAL has a sufficient allowance for bad loans (125%).
Low Risk Liabilities: 84% 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 (33%).
Low Risk Deposits: CAL's Loans to Deposits ratio (43%) is appropriate.
Level of Bad Loans: CAL has a high level of bad loans (11.7%).