Erste Group Bank Balance Sheet Health
Financial Health criteria checks 4/6
Erste Group Bank has total assets of €346.5B and total equity of €30.1B. Total deposits are €248.5B, and total loans are €237.9B earning a Net Interest Margin of 2.5%. It has insufficient allowance for bad loans, which are currently at 2.2% of total loans. Cash and short-term investments are €17.2B.
Key information
11.5x
Asset to equity ratio
2.5%
Net interest margin
| Total deposits | €248.52b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 2.2% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | €17.23b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: EBKD.Y's Assets to Equity ratio (11.5x) is moderate.
Allowance for Bad Loans: EBKD.Y has a low allowance for bad loans (78%).
Low Risk Liabilities: 79% of EBKD.Y's liabilities are made up of primarily low risk sources of funding.
Loan Level: EBKD.Y has an appropriate level of Loans to Assets ratio (69%).
Low Risk Deposits: EBKD.Y's Loans to Deposits ratio (96%) is appropriate.
Level of Bad Loans: EBKD.Y has a high level of bad loans (2.2%).