Towa Bank Balance Sheet Health
Financial Health criteria checks 3/6
Towa Bank has total assets of ¥2,429.9B and total equity of ¥116.2B. Total deposits are ¥2,195.2B, and total loans are ¥1,586.4B earning a Net Interest Margin of 1%. It has insufficient allowance for bad loans, which are currently at 2.5% of total loans. Cash and short-term investments are ¥220.7B.
Key information
20.9x
Asset to equity ratio
1.0%
Net interest margin
Total deposits | JP¥2.20t |
Loan to deposit ratio | Appropriate |
Bad loans | 2.5% |
Allowance for bad loans | Low |
Current ratio | Low |
Cash & equivalents | JP¥220.67b |
Recent financial health updates
No updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: 8558's Assets to Equity ratio (20.9x) is very high.
Allowance for Bad Loans: 8558 has a low allowance for bad loans (19%).
Low Risk Liabilities: 95% of 8558's liabilities are made up of primarily low risk sources of funding.
Loan Level: 8558 has an appropriate level of Loans to Assets ratio (65%).
Low Risk Deposits: 8558's Loans to Deposits ratio (72%) is appropriate.
Level of Bad Loans: 8558 has a high level of bad loans (2.5%).