Hang Seng Bank Balance Sheet Health
Financial Health criteria checks 4/6
Hang Seng Bank has total assets of HK$1,692.1B and total equity of HK$168.2B. Total deposits are HK$1,224.8B, and total loans are HK$860.4B earning a Net Interest Margin of 2.3%. It has insufficient allowance for bad loans, which are currently at 2.8% of total loans. Cash and short-term investments are HK$221.5B.
Key information
10.1x
Asset to equity ratio
2.3%
Net interest margin
Total deposits | HK$1.22t |
Loan to deposit ratio | Appropriate |
Bad loans | 2.8% |
Allowance for bad loans | Low |
Current ratio | Low |
Cash & equivalents | HK$221.52b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: HSNG.F's Assets to Equity ratio (10.1x) is moderate.
Allowance for Bad Loans: HSNG.F has a low allowance for bad loans (55%).
Low Risk Liabilities: 80% of HSNG.F's liabilities are made up of primarily low risk sources of funding.
Loan Level: HSNG.F has an appropriate level of Loans to Assets ratio (51%).
Low Risk Deposits: HSNG.F's Loans to Deposits ratio (70%) is appropriate.
Level of Bad Loans: HSNG.F has a high level of bad loans (2.8%).