Soneri Bank Balance Sheet Health
Financial Health criteria checks 4/6
Soneri Bank has total assets of PKR718.8B and total equity of PKR30.6B. Total deposits are PKR580.0B, and total loans are PKR197.3B. It earns a Net Interest Margin of 4.5%. It has sufficient allowance for bad loans, which are currently at 3.6% of total loans. Cash and short-term investments are PKR22.3B.
Key information
23.5x
Asset to equity ratio
4.5%
Net interest margin
| Total deposits | PK₨580.04b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 3.6% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | PK₨22.27b |
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 (23.5x) is very high.
Allowance for Bad Loans: SNBL has a sufficient allowance for bad loans (119%).
Low Risk Liabilities: 84% 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 (27%).
Low Risk Deposits: SNBL's Loans to Deposits ratio (34%) is appropriate.
Level of Bad Loans: SNBL has a high level of bad loans (3.6%).