Hachijuni Bank Balance Sheet Health
Financial Health criteria checks 4/6
Hachijuni Bank has total assets of ¥13,872.2B and total equity of ¥1,082.8B. Total deposits are ¥9,579.8B, and total loans are ¥6,492.8B earning a Net Interest Margin of 0.7%. It has insufficient allowance for bad loans, which are currently at 2.2% of total loans. Cash and short-term investments are ¥3,027.7B.
Key information
12.8x
Asset to equity ratio
0.7%
Net interest margin
| Total deposits | JP¥9.58t |
| Loan to deposit ratio | Appropriate |
| Bad loans | 2.2% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | JP¥3.03t |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: HACB.Y's Assets to Equity ratio (12.8x) is moderate.
Allowance for Bad Loans: HACB.Y has a low allowance for bad loans (38%).
Low Risk Liabilities: 75% of HACB.Y's liabilities are made up of primarily low risk sources of funding.
Loan Level: HACB.Y has an appropriate level of Loans to Assets ratio (47%).
Low Risk Deposits: HACB.Y's Loans to Deposits ratio (68%) is appropriate.
Level of Bad Loans: HACB.Y has a high level of bad loans (2.2%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/19 05:52 |
| End of Day Share Price | 2024/11/08 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2024/03/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Industry and Sector Metrics
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Analyst Sources
The Hachijuni Bank, Ltd. is covered by 5 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Masayoshi Yonezawa | Daiwa Securities Co. Ltd. |
| Ismael Pili | Macquarie Research |
| Makoto Sakurai | Mitsubishi UFJ Morgan Stanley Securities Company Limited |