Tochigi Bank Balance Sheet Health
Financial Health criteria checks 3/6
Tochigi Bank has total assets of ¥3,314.5B and total equity of ¥151.8B. Total deposits are ¥3,110.1B, and total loans are ¥2,049.4B earning a Net Interest Margin of 0.9%. It has insufficient allowance for bad loans, which are currently at 2.1% of total loans. Cash and short-term investments are ¥572.4B.
Key information
21.8x
Asset to equity ratio
0.9%
Net interest margin
Total deposits | JP¥3.11t |
Loan to deposit ratio | Appropriate |
Bad loans | 2.1% |
Allowance for bad loans | Low |
Current ratio | Low |
Cash & equivalents | JP¥572.36b |
Recent financial health updates
No updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: 8550's Assets to Equity ratio (21.8x) is very high.
Allowance for Bad Loans: 8550 has a low allowance for bad loans (27%).
Low Risk Liabilities: 98% of 8550's liabilities are made up of primarily low risk sources of funding.
Loan Level: 8550 has an appropriate level of Loans to Assets ratio (62%).
Low Risk Deposits: 8550's Loans to Deposits ratio (66%) is appropriate.
Level of Bad Loans: 8550 has a high level of bad loans (2.1%).