Rizal Commercial Banking Balance Sheet Health
Financial Health criteria checks 4/6
Rizal Commercial Banking has total assets of ₱1,285.0B and total equity of ₱158.1B. Total deposits are ₱990.4B, and total loans are ₱640.7B 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 ₱83.9B.
Key information
8.1x
Asset to equity ratio
3.4%
Net interest margin
| Total deposits | ₱990.44b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 3.8% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | ₱83.87b |
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 (50%).
Low Risk Deposits: RCB's Loans to Deposits ratio (65%) is appropriate.
Level of Bad Loans: RCB has a high level of bad loans (3.8%).