Republic Bank (Ghana) PLC

GHSE:RBGH Stock Report

Market Cap: GH₵511.2m

Republic Bank (Ghana) Balance Sheet Health

Financial Health criteria checks 4/6

Republic Bank (Ghana) has total assets of GHS8.7B and total equity of GHS948.3M. Total deposits are GHS6.0B, and total loans are GHS2.8B earning a Net Interest Margin of 9.2%. It has insufficient allowance for bad loans, which are currently at 16% of total loans. Cash and short-term investments are GHS3.6B.

Key information

9.1x

Asset to equity ratio

9.2%

Net interest margin

Total deposits

GH₵6.04b

Loan to deposit ratio

Appropriate

Bad loans

16.0%

Allowance for bad loans

Low

Current ratio

Low

Cash & equivalents

GH₵3.57b

Recent financial health updates

No updates

Recent updates

Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: RBGH's Assets to Equity ratio (9.1x) is low.

Allowance for Bad Loans: RBGH has a low allowance for bad loans (50%).

Low Risk Liabilities: 78% of RBGH's liabilities are made up of primarily low risk sources of funding.

Loan Level: RBGH has an appropriate level of Loans to Assets ratio (32%).

Low Risk Deposits: RBGH's Loans to Deposits ratio (46%) is appropriate.

Level of Bad Loans: RBGH has a high level of bad loans (16%).


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