Utkarsh Small Finance Bank Balance Sheet Health
Financial Health criteria checks 4/6
Utkarsh Small Finance Bank has total assets of ₹239.0B and total equity of ₹29.7B. Total deposits are ₹174.7B, and total loans are ₹163.6B earning a Net Interest Margin of 9.6%. It has insufficient allowance for bad loans, which are currently at 2.6% of total loans. Cash and short-term investments are ₹30.3B.
Key information
8x
Asset to equity ratio
9.6%
Net interest margin
Total deposits | ₹174.73b |
Loan to deposit ratio | Appropriate |
Bad loans | 2.6% |
Allowance for bad loans | n/a |
Current ratio | Low |
Cash & equivalents | ₹30.27b |
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 (8x) is low.
Allowance for Bad Loans: Insufficient data to determine if 543942 has a sufficient allowance for bad loans.
Low Risk Liabilities: 83% 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 (68%).
Low Risk Deposits: 543942's Loans to Deposits ratio (94%) is appropriate.
Level of Bad Loans: 543942 has a high level of bad loans (2.6%).