Ujjivan Small Finance Bank Balance Sheet Health
Financial Health criteria checks 6/6
Ujjivan Small Finance Bank has total assets of ₹404.2B and total equity of ₹56.1B. Total deposits are ₹314.6B, and total loans are ₹243.3B. It earns a Net Interest Margin of 9.5%. It has sufficient allowance for bad loans, which are currently at 1% of total loans. Cash and short-term investments are ₹25.2B.
Key information
7.2x
Asset to equity ratio
9.5%
Net interest margin
Total deposits | ₹314.57b |
Loan to deposit ratio | Appropriate |
Bad loans | 1.0% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | ₹25.18b |
Recent financial health updates
No updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: UJJIVANSFB's Assets to Equity ratio (7.2x) is low.
Allowance for Bad Loans: UJJIVANSFB has a sufficient allowance for bad loans (5848%).
Low Risk Liabilities: 90% of UJJIVANSFB's liabilities are made up of primarily low risk sources of funding.
Loan Level: UJJIVANSFB has an appropriate level of Loans to Assets ratio (60%).
Low Risk Deposits: UJJIVANSFB's Loans to Deposits ratio (77%) is appropriate.
Level of Bad Loans: UJJIVANSFB has an appropriate level of bad loans (1%).