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%).