Bank of Commerce Balance Sheet Health
Financial Health criteria checks 6/6
Bank of Commerce has total assets of ₱231.7B and total equity of ₱30.9B. Total deposits are ₱180.9B, and total loans are ₱106.4B. It earns a Net Interest Margin of 4.3%. It has sufficient allowance for bad loans, which are currently at 1.8% of total loans. Cash and short-term investments are ₱24.9B.
Key information
7.5x
Asset to equity ratio
4.3%
Net interest margin
Total deposits | ₱180.88b |
Loan to deposit ratio | Appropriate |
Bad loans | 1.8% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | ₱24.88b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: BNCOM's Assets to Equity ratio (7.5x) is low.
Allowance for Bad Loans: BNCOM has a sufficient allowance for bad loans (154%).
Low Risk Liabilities: 90% of BNCOM's liabilities are made up of primarily low risk sources of funding.
Loan Level: BNCOM has an appropriate level of Loans to Assets ratio (46%).
Low Risk Deposits: BNCOM's Loans to Deposits ratio (59%) is appropriate.
Level of Bad Loans: BNCOM has an appropriate level of bad loans (1.8%).