Soneri Bank Balance Sheet Health

Financial Health criteria checks 3/6

Soneri Bank has total assets of PKR667.7B and total equity of PKR26.8B. Total deposits are PKR551.7B, and total loans are PKR218.6B earning a Net Interest Margin of 4.5%. It has insufficient allowance for bad loans, which are currently at 4.3% of total loans. Cash and short-term investments are PKR38.0B.

Key information

24.9x

Asset to equity ratio

4.5%

Net interest margin

Total deposits

PK₨551.66b

Loan to deposit ratio

Appropriate

Bad loans

4.3%

Allowance for bad loans

Low

Current ratio

Low

Cash & equivalents

PK₨37.99b

Recent financial health updates

No updates

Recent updates

Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: SNBL's Assets to Equity ratio (24.9x) is very high.

Allowance for Bad Loans: SNBL has a low allowance for bad loans (98%).

Low Risk Liabilities: 86% of SNBL's liabilities are made up of primarily low risk sources of funding.

Loan Level: SNBL has an appropriate level of Loans to Assets ratio (33%).

Low Risk Deposits: SNBL's Loans to Deposits ratio (40%) is appropriate.

Level of Bad Loans: SNBL has a high level of bad loans (4.3%).


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