FirstCaribbean International Bank Limited

TTSE:FCI Stock Report

Market Cap: TT$10.7b

FirstCaribbean International Bank Balance Sheet Health

Financial Health criteria checks 4/6

FirstCaribbean International Bank has total assets of $13.2B and total equity of $1.5B. Total deposits are $11.1B, and total loans are $6.8B earning a Net Interest Margin of 4%. It has insufficient allowance for bad loans, which are currently at 3.7% of total loans. Cash and short-term investments are $2.3B.

Key information

9x

Asset to equity ratio

4.0%

Net interest margin

Total deposits

US$11.10b

Loan to deposit ratio

Appropriate

Bad loans

3.7%

Allowance for bad loans

Low

Current ratio

Low

Cash & equivalents

US$2.32b

Recent financial health updates

No updates

Recent updates

Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: FCI's Assets to Equity ratio (9x) is low.

Allowance for Bad Loans: FCI has a low allowance for bad loans (94%).

Low Risk Liabilities: 95% of FCI's liabilities are made up of primarily low risk sources of funding.

Loan Level: FCI has an appropriate level of Loans to Assets ratio (51%).

Low Risk Deposits: FCI's Loans to Deposits ratio (61%) is appropriate.

Level of Bad Loans: FCI has a high level of bad loans (3.7%).


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