Mizrahi Tefahot Bank Balance Sheet Health
Financial Health criteria checks 6/6
Mizrahi Tefahot Bank has total assets of ₪472.4B and total equity of ₪31.8B. Total deposits are ₪387.0B, and total loans are ₪348.7B. It earns a Net Interest Margin of 2.8%. It has sufficient allowance for bad loans, which are currently at 1.1% of total loans. Cash and short-term investments are ₪93.0B.
Key information
14.9x
Asset to equity ratio
2.8%
Net interest margin
| Total deposits | ₪386.96b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 1.1% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | ₪93.00b |
Recent financial health updates
No updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: MZTF's Assets to Equity ratio (14.9x) is moderate.
Allowance for Bad Loans: MZTF has a sufficient allowance for bad loans (109%).
Low Risk Liabilities: 88% of MZTF's liabilities are made up of primarily low risk sources of funding.
Loan Level: MZTF has an appropriate level of Loans to Assets ratio (74%).
Low Risk Deposits: MZTF's Loans to Deposits ratio (90%) is appropriate.
Level of Bad Loans: MZTF has an appropriate level of bad loans (1.1%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/21 15:45 |
| End of Day Share Price | 2024/12/19 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.
Analysis Model and Snowflake
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Industry and Sector Metrics
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Analyst Sources
Mizrahi Tefahot Bank Ltd. is covered by 11 analysts. 1 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 |
|---|---|
| Tavy Rosner | Barclays |
| Joseph Wolf | Barclays |
| Micha Goldberg | BofA Global Research |