Suryoday Small Finance Bank Balance Sheet Health
Financial Health criteria checks 5/6
Suryoday Small Finance Bank has total assets of ₹123.8B and total equity of ₹18.0B. Total deposits are ₹77.8B, and total loans are ₹80.8B. It earns a Net Interest Margin of 9.5%. It has sufficient allowance for bad loans, which are currently at 3% of total loans. Cash and short-term investments are ₹8.1B.
Key information
6.9x
Asset to equity ratio
9.5%
Net interest margin
Total deposits | ₹77.77b |
Loan to deposit ratio | Appropriate |
Bad loans | 3.0% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | ₹8.14b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: SURYODAY's Assets to Equity ratio (6.9x) is low.
Allowance for Bad Loans: SURYODAY has a sufficient allowance for bad loans (133%).
Low Risk Liabilities: 74% of SURYODAY's liabilities are made up of primarily low risk sources of funding.
Loan Level: SURYODAY has an appropriate level of Loans to Assets ratio (65%).
Low Risk Deposits: SURYODAY's Loans to Deposits ratio (104%) is appropriate.
Level of Bad Loans: SURYODAY has a high level of bad loans (3%).