Hokkoku Financial Holdings Balance Sheet Health
Financial Health criteria checks 3/6
Hokkoku Financial Holdings has total assets of ¥5,758.7B and total equity of ¥253.0B. Total deposits are ¥4,679.7B, and total loans are ¥2,524.6B earning a Net Interest Margin of 0.7%. It has insufficient allowance for bad loans, which are currently at 2.7% of total loans. Cash and short-term investments are ¥1,576.8B.
Key information
22.8x
Asset to equity ratio
0.7%
Net interest margin
Total deposits | JP¥4.68t |
Loan to deposit ratio | Appropriate |
Bad loans | 2.7% |
Allowance for bad loans | Low |
Current ratio | Low |
Cash & equivalents | JP¥1.58t |
Recent financial health updates
No updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: 7381's Assets to Equity ratio (22.8x) is very high.
Allowance for Bad Loans: 7381 has a low allowance for bad loans (86%).
Low Risk Liabilities: 85% of 7381's liabilities are made up of primarily low risk sources of funding.
Loan Level: 7381 has an appropriate level of Loans to Assets ratio (44%).
Low Risk Deposits: 7381's Loans to Deposits ratio (54%) is appropriate.
Level of Bad Loans: 7381 has a high level of bad loans (2.7%).