Optima bank Balance Sheet Health
Financial Health criteria checks 6/6
Optima bank has total assets of €3.9B and total equity of €510.1M. Total deposits are €3.2B, and total loans are €2.4B.
Key information
7.6x
Asset to equity ratio
n/a
Net interest margin
Total deposits | €3.18b |
Loan to deposit ratio | Appropriate |
Bad loans | 0.5% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | €392.91m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: OPTIMA's Assets to Equity ratio (7.6x) is low.
Allowance for Bad Loans: OPTIMA has a sufficient allowance for bad loans (241%).
Low Risk Liabilities: 95% of OPTIMA's liabilities are made up of primarily low risk sources of funding.
Loan Level: OPTIMA has an appropriate level of Loans to Assets ratio (63%).
Low Risk Deposits: OPTIMA's Loans to Deposits ratio (77%) is appropriate.
Level of Bad Loans: OPTIMA has an appropriate level of bad loans (0.5%).