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%).