Asia United Bank Balance Sheet Health
Financial Health criteria checks 5/6
Asia United Bank has total assets of ₱352.0B and total equity of ₱56.6B. Total deposits are ₱282.0B, and total loans are ₱203.0B. It earns a Net Interest Margin of 4.8%. It has sufficient allowance for bad loans, which are currently at 2% of total loans. Cash and short-term investments are ₱14.7B.
Key information
6.2x
Asset to equity ratio
4.8%
Net interest margin
| Total deposits | ₱282.00b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 2.0% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | ₱14.67b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: AUB's Assets to Equity ratio (6.2x) is low.
Allowance for Bad Loans: AUB has a sufficient allowance for bad loans (108%).
Low Risk Liabilities: 95% of AUB's liabilities are made up of primarily low risk sources of funding.
Loan Level: AUB has an appropriate level of Loans to Assets ratio (58%).
Low Risk Deposits: AUB's Loans to Deposits ratio (72%) is appropriate.
Level of Bad Loans: AUB has a high level of bad loans (2%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/21 04:56 |
| 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.
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Industry and Sector Metrics
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Analyst Sources
Asia United Bank Corporation is covered by 3 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 |
|---|---|
| Danielo Picache | Credit Suisse |
| Gilbert Lopez | Macquarie Research |
| Jina Lee | UBS Investment Bank |