Banco Santander Balance Sheet Health
Financial Health criteria checks 4/6
Banco Santander has total assets of €1,800.0B and total equity of €105.0B. Total deposits are €1,144.6B, and total loans are €1,051.8B earning a Net Interest Margin of 2.8%. It has insufficient allowance for bad loans, which are currently at 3.3% of total loans. Cash and short-term investments are €446.8B.
Key information
17.1x
Asset to equity ratio
2.8%
Net interest margin
Total deposits | €1.14t |
Loan to deposit ratio | Appropriate |
Bad loans | 3.3% |
Allowance for bad loans | Low |
Current ratio | Low |
Cash & equivalents | €446.84b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: BCDR.F's Assets to Equity ratio (17.1x) is moderate.
Allowance for Bad Loans: BCDR.F has a low allowance for bad loans (64%).
Low Risk Liabilities: 68% of BCDR.F's liabilities are made up of primarily low risk sources of funding.
Loan Level: BCDR.F has an appropriate level of Loans to Assets ratio (58%).
Low Risk Deposits: BCDR.F's Loans to Deposits ratio (92%) is appropriate.
Level of Bad Loans: BCDR.F has a high level of bad loans (3.3%).