Rizal Commercial Banking Balance Sheet Health
Financial Health criteria checks 4/6
Rizal Commercial Banking has total assets of ₱1,238.3B and total equity of ₱152.3B. Total deposits are ₱958.1B, and total loans are ₱588.2B earning a Net Interest Margin of 3.4%. It has insufficient allowance for bad loans, which are currently at 3.8% of total loans. Cash and short-term investments are ₱178.2B.
Key information
8.1x
Asset to equity ratio
3.4%
Net interest margin
Total deposits | ₱958.11b |
Loan to deposit ratio | Appropriate |
Bad loans | 3.8% |
Allowance for bad loans | Low |
Current ratio | Low |
Cash & equivalents | ₱178.19b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: RCB's Assets to Equity ratio (8.1x) is low.
Allowance for Bad Loans: RCB has a low allowance for bad loans (76%).
Low Risk Liabilities: 88% of RCB's liabilities are made up of primarily low risk sources of funding.
Loan Level: RCB has an appropriate level of Loans to Assets ratio (47%).
Low Risk Deposits: RCB's Loans to Deposits ratio (61%) is appropriate.
Level of Bad Loans: RCB has a high level of bad loans (3.8%).