Utkarsh Small Finance Bank Balance Sheet Health
Financial Health criteria checks 4/6
Utkarsh Small Finance Bank has total assets of ₹263.1B and total equity of ₹31.3B. Total deposits are ₹195.0B, and total loans are ₹181.3B earning a Net Interest Margin of 9.4%. It has insufficient allowance for bad loans, which are currently at 4% of total loans. Cash and short-term investments are ₹32.5B.
Key information
8.4x
Asset to equity ratio
9.4%
Net interest margin
| Total deposits | ₹194.96b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 4.0% |
| Allowance for bad loans | n/a |
| Current ratio | Low |
| Cash & equivalents | ₹32.45b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: 543942's Assets to Equity ratio (8.4x) is low.
Allowance for Bad Loans: Insufficient data to determine if 543942 has a sufficient allowance for bad loans.
Low Risk Liabilities: 84% of 543942's liabilities are made up of primarily low risk sources of funding.
Loan Level: 543942 has an appropriate level of Loans to Assets ratio (69%).
Low Risk Deposits: 543942's Loans to Deposits ratio (93%) is appropriate.
Level of Bad Loans: 543942 has a high level of bad loans (4%).