Luzhou Bank Balance Sheet Health
Financial Health criteria checks 6/6
Luzhou Bank has total assets of CN¥168.5B and total equity of CN¥11.6B. Total deposits are CN¥131.3B, and total loans are CN¥97.8B. It earns a Net Interest Margin of 2.4%. It has sufficient allowance for bad loans, which are currently at 1.3% of total loans. Cash and short-term investments are CN¥13.7B.
Key information
14.5x
Asset to equity ratio
2.4%
Net interest margin
| Total deposits | CN¥131.32b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 1.3% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | CN¥13.66b |
Recent financial health updates
No updates
Recent updates
Do Luzhou Bank's (HKG:1983) Earnings Warrant Your Attention?
Aug 03
Here's Why We Think Luzhou Bank (HKG:1983) Is Well Worth Watching
Jan 31Investors Who Bought Luzhou Bank (HKG:1983) Shares A Year Ago Are Now Up 15%
Feb 19Could Luzhou Bank Co., Ltd. (HKG:1983) Have The Makings Of Another Dividend Aristocrat?
Dec 28Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: 1983's Assets to Equity ratio (14.5x) is moderate.
Allowance for Bad Loans: 1983 has a sufficient allowance for bad loans (367%).
Low Risk Liabilities: 84% of 1983's liabilities are made up of primarily low risk sources of funding.
Loan Level: 1983 has an appropriate level of Loans to Assets ratio (58%).
Low Risk Deposits: 1983's Loans to Deposits ratio (74%) is appropriate.
Level of Bad Loans: 1983 has an appropriate level of bad loans (1.3%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/25 17:49 |
| End of Day Share Price | 2024/12/24 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
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Industry and Sector Metrics
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Analyst Sources
Luzhou Bank Co., Ltd. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
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