Ujjivan Small Finance Bank Balance Sheet Health
Financial Health criteria checks 6/6
Ujjivan Small Finance Bank has total assets of ₹436.2B and total equity of ₹58.8B. Total deposits are ₹340.7B, and total loans are ₹291.8B. It earns a Net Interest Margin of 9.1%. It has sufficient allowance for bad loans, which are currently at 1% of total loans. Cash and short-term investments are ₹22.5B.
Key information
7.4x
Asset to equity ratio
9.1%
Net interest margin
| Total deposits | ₹340.70b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 1.0% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | ₹22.53b |
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 (7.4x) is low.
Allowance for Bad Loans: UJJIVANSFB has a sufficient allowance for bad loans (6109%).
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 (67%).
Low Risk Deposits: UJJIVANSFB's Loans to Deposits ratio (86%) is appropriate.
Level of Bad Loans: UJJIVANSFB has an appropriate level of bad loans (1%).