Standard Chartered Bank Kenya Balance Sheet Health
Financial Health criteria checks 4/6
Standard Chartered Bank Kenya has total assets of KES370.9B and total equity of KES66.5B. Total deposits are KES284.8B, and total loans are KES151.3B earning a Net Interest Margin of 10.4%. It has insufficient allowance for bad loans, which are currently at 8% of total loans. Cash and short-term investments are KES12.8B.
Key information
5.6x
Asset to equity ratio
10.4%
Net interest margin
| Total deposits | KSh284.78b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 8.0% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | KSh12.76b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: SCBK's Assets to Equity ratio (5.6x) is low.
Allowance for Bad Loans: SCBK has a low allowance for bad loans (83%).
Low Risk Liabilities: 94% of SCBK's liabilities are made up of primarily low risk sources of funding.
Loan Level: SCBK has an appropriate level of Loans to Assets ratio (41%).
Low Risk Deposits: SCBK's Loans to Deposits ratio (53%) is appropriate.
Level of Bad Loans: SCBK has a high level of bad loans (8%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/02/15 20:30 |
| End of Day Share Price | 2025/02/14 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Standard Chartered Bank Kenya Limited is covered by 7 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| null null | AIB-AXYS Africa Limited |
| Jaap Meijer | Arqaam Capital Research Offshore S.A.L. |
| James Githinji | Dyer & Blair Investment Bank Ltd. |