ESAF Small Finance Bank Balance Sheet Health
Financial Health criteria checks 4/6
ESAF Small Finance Bank has total assets of ₹260.9B and total equity of ₹24.9B. Total deposits are ₹198.7B, and total loans are ₹182.9B earning a Net Interest Margin of 11.1%. It has insufficient allowance for bad loans, which are currently at 4.9% of total loans. Cash and short-term investments are ₹2.1B.
Key information
10.5x
Asset to equity ratio
11.1%
Net interest margin
| Total deposits | ₹198.68b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 4.9% |
| Allowance for bad loans | n/a |
| Current ratio | Low |
| Cash & equivalents | ₹2.09b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: 544020's Assets to Equity ratio (10.5x) is moderate.
Allowance for Bad Loans: Insufficient data to determine if 544020 has a sufficient allowance for bad loans.
Low Risk Liabilities: 84% of 544020's liabilities are made up of primarily low risk sources of funding.
Loan Level: 544020 has an appropriate level of Loans to Assets ratio (70%).
Low Risk Deposits: 544020's Loans to Deposits ratio (92%) is appropriate.
Level of Bad Loans: 544020 has a high level of bad loans (4.9%).