FirstRand Balance Sheet Health
Financial Health criteria checks 4/6
FirstRand has total assets of ZAR2,369.3B and total equity of ZAR217.8B. Total deposits are ZAR1,764.3B, and total loans are ZAR1,543.7B earning a Net Interest Margin of 3%. It has insufficient allowance for bad loans, which are currently at 4.2% of total loans. Cash and short-term investments are ZAR238.1B.
Key information
10.9x
Asset to equity ratio
3.0%
Net interest margin
| Total deposits | R1.76t |
| Loan to deposit ratio | Appropriate |
| Bad loans | 4.2% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | R238.07b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: FST's Assets to Equity ratio (10.9x) is moderate.
Allowance for Bad Loans: FST has a low allowance for bad loans (80%).
Low Risk Liabilities: 82% of FST's liabilities are made up of primarily low risk sources of funding.
Loan Level: FST has an appropriate level of Loans to Assets ratio (65%).
Low Risk Deposits: FST's Loans to Deposits ratio (87%) is appropriate.
Level of Bad Loans: FST has a high level of bad loans (4.2%).