Harbin Bank Balance Sheet Health
Financial Health criteria checks 5/6
Harbin Bank has total assets of CN¥850.6B and total equity of CN¥64.6B. Total deposits are CN¥680.1B, and total loans are CN¥327.5B. It earns a Net Interest Margin of 1.4%. It has sufficient allowance for bad loans, which are currently at 2.7% of total loans. Cash and short-term investments are CN¥165.4B.
Key information
13.2x
Asset to equity ratio
1.4%
Net interest margin
Total deposits | CN¥680.14b |
Loan to deposit ratio | Appropriate |
Bad loans | 2.7% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | CN¥165.44b |
Recent financial health updates
No updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: 6138's Assets to Equity ratio (13.2x) is moderate.
Allowance for Bad Loans: 6138 has a sufficient allowance for bad loans (201%).
Low Risk Liabilities: 87% of 6138's liabilities are made up of primarily low risk sources of funding.
Loan Level: 6138 has an appropriate level of Loans to Assets ratio (39%).
Low Risk Deposits: 6138's Loans to Deposits ratio (48%) is appropriate.
Level of Bad Loans: 6138 has a high level of bad loans (2.7%).