Bank Alfalah Balance Sheet Health
Financial Health criteria checks 5/6
Bank Alfalah has total assets of PKR3,284.3B and total equity of PKR170.5B. Total deposits are PKR2,135.6B, and total loans are PKR858.3B. It earns a Net Interest Margin of 5.4%. It has sufficient allowance for bad loans, which are currently at 4.6% of total loans. Cash and short-term investments are PKR80.7B.
Key information
19.3x
Asset to equity ratio
5.4%
Net interest margin
| Total deposits | PK₨2.14t |
| Loan to deposit ratio | Appropriate |
| Bad loans | 4.6% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | PK₨80.72b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: BAFL's Assets to Equity ratio (19.3x) is moderate.
Allowance for Bad Loans: BAFL has a sufficient allowance for bad loans (114%).
Low Risk Liabilities: 69% of BAFL's liabilities are made up of primarily low risk sources of funding.
Loan Level: BAFL has an appropriate level of Loans to Assets ratio (26%).
Low Risk Deposits: BAFL's Loans to Deposits ratio (40%) is appropriate.
Level of Bad Loans: BAFL has a high level of bad loans (4.6%).