Union Bank of Colombo Balance Sheet Health
Financial Health criteria checks 4/6
Union Bank of Colombo has total assets of LKR150.2B and total equity of LKR19.7B. Total deposits are LKR103.1B, and total loans are LKR84.1B 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 LKR7.9B.
Key information
7.6x
Asset to equity ratio
4.7%
Net interest margin
| Total deposits | LK₨103.08b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 22.6% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | LK₨7.88b |
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 (7.6x) is low.
Allowance for Bad Loans: UBC.N0000 has a low allowance for bad loans (45%).
Low Risk Liabilities: 79% 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 (56%).
Low Risk Deposits: UBC.N0000's Loans to Deposits ratio (82%) is appropriate.
Level of Bad Loans: UBC.N0000 has a high level of bad loans (22.6%).