BDO Unibank Balance Sheet Health
Financial Health criteria checks 5/6
BDO Unibank has total assets of ₱4,802.6B and total equity of ₱570.2B. Total deposits are ₱3,740.1B, and total loans are ₱3,022.1B. It earns a Net Interest Margin of 4.6%. It has sufficient allowance for bad loans, which are currently at 2.5% of total loans. Cash and short-term investments are ₱432.1B.
Key information
8.4x
Asset to equity ratio
4.6%
Net interest margin
| Total deposits | ₱3.74t |
| Loan to deposit ratio | Appropriate |
| Bad loans | 2.5% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | ₱432.12b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: BDO's Assets to Equity ratio (8.4x) is low.
Allowance for Bad Loans: BDO has a sufficient allowance for bad loans (153%).
Low Risk Liabilities: 88% of BDO's liabilities are made up of primarily low risk sources of funding.
Loan Level: BDO has an appropriate level of Loans to Assets ratio (63%).
Low Risk Deposits: BDO's Loans to Deposits ratio (81%) is appropriate.
Level of Bad Loans: BDO has a high level of bad loans (2.5%).