Hang Seng Bank Balance Sheet Health
Financial Health criteria checks 4/6
Hang Seng Bank has total assets of HK$1,708.5B and total equity of HK$166.4B. Total deposits are HK$1,236.8B, and total loans are HK$849.6B earning a Net Interest Margin of 2.3%. It has insufficient allowance for bad loans, which are currently at 5.3% of total loans. Cash and short-term investments are HK$223.0B.
Key information
10.3x
Asset to equity ratio
2.3%
Net interest margin
| Total deposits | HK$1.24t |
| Loan to deposit ratio | Appropriate |
| Bad loans | 5.3% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | HK$222.97b |
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.Y's Assets to Equity ratio (10.3x) is moderate.
Allowance for Bad Loans: HSNG.Y has a low allowance for bad loans (33%).
Low Risk Liabilities: 80% of HSNG.Y's liabilities are made up of primarily low risk sources of funding.
Loan Level: HSNG.Y has an appropriate level of Loans to Assets ratio (50%).
Low Risk Deposits: HSNG.Y's Loans to Deposits ratio (69%) is appropriate.
Level of Bad Loans: HSNG.Y has a high level of bad loans (5.3%).