South Indian Bank Balance Sheet Health
Financial Health criteria checks 4/6
South Indian Bank has total assets of ₹1,203.6B and total equity of ₹94.0B. Total deposits are ₹1,054.5B, and total loans are ₹821.7B earning a Net Interest Margin of 3.3%. It has insufficient allowance for bad loans, which are currently at 4.5% of total loans. Cash and short-term investments are ₹109.4B.
Key information
12.8x
Asset to equity ratio
3.3%
Net interest margin
| Total deposits | ₹1.05t |
| Loan to deposit ratio | Appropriate |
| Bad loans | 4.5% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | ₹109.45b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: 532218's Assets to Equity ratio (12.8x) is moderate.
Allowance for Bad Loans: 532218 has a low allowance for bad loans (65%).
Low Risk Liabilities: 95% of 532218's liabilities are made up of primarily low risk sources of funding.
Loan Level: 532218 has an appropriate level of Loans to Assets ratio (68%).
Low Risk Deposits: 532218's Loans to Deposits ratio (78%) is appropriate.
Level of Bad Loans: 532218 has a high level of bad loans (4.5%).