Hatton National Bank Balance Sheet Health
Financial Health criteria checks 4/6
Hatton National Bank has total assets of LKR2,123.1B and total equity of LKR241.1B. Total deposits are LKR1,652.1B, and total loans are LKR1,057.9B earning a Net Interest Margin of 7%. It has insufficient allowance for bad loans, which are currently at 11.2% of total loans. Cash and short-term investments are LKR95.8B.
Key information
8.8x
Asset to equity ratio
7.0%
Net interest margin
| Total deposits | LK₨1.65t |
| Loan to deposit ratio | Appropriate |
| Bad loans | 11.2% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | LK₨95.81b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: HNB.N0000's Assets to Equity ratio (8.8x) is low.
Allowance for Bad Loans: HNB.N0000 has a low allowance for bad loans (75%).
Low Risk Liabilities: 88% of HNB.N0000's liabilities are made up of primarily low risk sources of funding.
Loan Level: HNB.N0000 has an appropriate level of Loans to Assets ratio (50%).
Low Risk Deposits: HNB.N0000's Loans to Deposits ratio (64%) is appropriate.
Level of Bad Loans: HNB.N0000 has a high level of bad loans (11.2%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/21 07:55 |
| End of Day Share Price | 2024/12/20 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 here.
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 .
Analyst Sources
Hatton National Bank PLC is covered by 6 analysts. 2 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 |
|---|---|
| Sanjeewa Fernando | Asia Securities (Private) Limited |
| null null | CGS International |
| null null | CT CLSA Securities |