The Hachijuni Bank, Ltd.

OTCPK:HACB.Y Stock Report

Market Cap: US$3.3b

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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