Hokuhoku Financial Group Balance Sheet Health
Financial Health criteria checks 3/6
Hokuhoku Financial Group has total assets of ¥16,481.8B and total equity of ¥664.1B. Total deposits are ¥13,906.4B, and total loans are ¥9,707.7B earning a Net Interest Margin of 0.6%. It has insufficient allowance for bad loans, which are currently at 2.2% of total loans. Cash and short-term investments are ¥4,330.5B.
Key information
24.8x
Asset to equity ratio
0.6%
Net interest margin
| Total deposits | JP¥13.91t |
| Loan to deposit ratio | Appropriate |
| Bad loans | 2.2% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | JP¥4.33t |
Recent financial health updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: 8377's Assets to Equity ratio (24.8x) is very high.
Allowance for Bad Loans: 8377 has a low allowance for bad loans (27%).
Low Risk Liabilities: 88% of 8377's liabilities are made up of primarily low risk sources of funding.
Loan Level: 8377 has an appropriate level of Loans to Assets ratio (59%).
Low Risk Deposits: 8377's Loans to Deposits ratio (70%) is appropriate.
Level of Bad Loans: 8377 has a high level of bad loans (2.2%).