Union Bank of Colombo Balance Sheet Health
Financial Health criteria checks 4/6
Union Bank of Colombo has total assets of LKR147.3B and total equity of LKR19.6B. Total deposits are LKR96.9B, and total loans are LKR69.6B earning a Net Interest Margin of 4.7%. It has insufficient allowance for bad loans, which are currently at 22.6% of total loans. Cash and short-term investments are LKR16.6B.
Key information
7.5x
Asset to equity ratio
4.7%
Net interest margin
Total deposits | LK₨96.93b |
Loan to deposit ratio | Appropriate |
Bad loans | 22.6% |
Allowance for bad loans | Low |
Current ratio | Low |
Cash & equivalents | LK₨16.57b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: UBC.N0000's Assets to Equity ratio (7.5x) is low.
Allowance for Bad Loans: UBC.N0000 has a low allowance for bad loans (45%).
Low Risk Liabilities: 76% of UBC.N0000's liabilities are made up of primarily low risk sources of funding.
Loan Level: UBC.N0000 has an appropriate level of Loans to Assets ratio (47%).
Low Risk Deposits: UBC.N0000's Loans to Deposits ratio (72%) is appropriate.
Level of Bad Loans: UBC.N0000 has a high level of bad loans (22.6%).