Aozora Bank Balance Sheet Health
Financial Health criteria checks 4/6
Aozora Bank has total assets of ¥7,603.0B and total equity of ¥391.1B. Total deposits are ¥5,776.4B, and total loans are ¥4,000.6B earning a Net Interest Margin of 0.7%. It has insufficient allowance for bad loans, which are currently at 3.2% of total loans. Cash and short-term investments are ¥1,673.5B.
Key information
19.4x
Asset to equity ratio
0.7%
Net interest margin
Total deposits | JP¥5.78t |
Loan to deposit ratio | Appropriate |
Bad loans | 3.2% |
Allowance for bad loans | Low |
Current ratio | Low |
Cash & equivalents | JP¥1.67t |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: AOZO.F's Assets to Equity ratio (19.4x) is moderate.
Allowance for Bad Loans: AOZO.F has a low allowance for bad loans (67%).
Low Risk Liabilities: 80% of AOZO.F's liabilities are made up of primarily low risk sources of funding.
Loan Level: AOZO.F has an appropriate level of Loans to Assets ratio (53%).
Low Risk Deposits: AOZO.F's Loans to Deposits ratio (69%) is appropriate.
Level of Bad Loans: AOZO.F has a high level of bad loans (3.2%).