Íslandsbanki hf Balance Sheet Health
Financial Health criteria checks 4/6
Íslandsbanki hf has total assets of ISK1,622.5B and total equity of ISK223.4B. Total deposits are ISK938.4B, and total loans are ISK1,324.6B earning a Net Interest Margin of 3%. It has insufficient allowance for bad loans, which are currently at 1.5% of total loans. Cash and short-term investments are ISK88.2B.
Key information
7.3x
Asset to equity ratio
3.0%
Net interest margin
| Total deposits | ISK 938.36b |
| Loan to deposit ratio | High |
| Bad loans | 1.5% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | ISK 88.22b |
Recent financial health updates
No updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: ISB's Assets to Equity ratio (7.3x) is low.
Allowance for Bad Loans: ISB has a low allowance for bad loans (46%).
Low Risk Liabilities: 67% of ISB's liabilities are made up of primarily low risk sources of funding.
Loan Level: ISB has an appropriate level of Loans to Assets ratio (82%).
Low Risk Deposits: ISB's Loans to Deposits ratio (141%) is high.
Level of Bad Loans: ISB has an appropriate level of bad loans (1.5%).