Towa Bank Balance Sheet Health
Financial Health criteria checks 3/6
Towa Bank has total assets of ¥2,411.2B and total equity of ¥99.0B. Total deposits are ¥2,183.2B, and total loans are ¥1,585.8B earning a Net Interest Margin of 1%. It has insufficient allowance for bad loans, which are currently at 2.7% of total loans. Cash and short-term investments are ¥183.8B.
Key information
24.4x
Asset to equity ratio
1.0%
Net interest margin
| Total deposits | JP¥2.18t |
| Loan to deposit ratio | Appropriate |
| Bad loans | 2.7% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | JP¥183.82b |
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 (24.4x) is very high.
Allowance for Bad Loans: 8558 has a low allowance for bad loans (17%).
Low Risk Liabilities: 94% 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 (66%).
Low Risk Deposits: 8558's Loans to Deposits ratio (73%) is appropriate.
Level of Bad Loans: 8558 has a high level of bad loans (2.7%).