Oversea-Chinese Banking Balance Sheet Health
Financial Health criteria checks 6/6
Oversea-Chinese Banking has total assets of SGD598.9B and total equity of SGD58.2B. Total deposits are SGD383.3B, and total loans are SGD300.0B. It earns a Net Interest Margin of 2.3%. It has sufficient allowance for bad loans, which are currently at 0.9% of total loans. Cash and short-term investments are SGD88.2B.
Key information
10.3x
Asset to equity ratio
2.3%
Net interest margin
| Total deposits | S$383.30b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.9% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | S$88.18b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: OVCH.Y's Assets to Equity ratio (10.3x) is moderate.
Allowance for Bad Loans: OVCH.Y has a sufficient allowance for bad loans (142%).
Low Risk Liabilities: 71% of OVCH.Y's liabilities are made up of primarily low risk sources of funding.
Loan Level: OVCH.Y has an appropriate level of Loans to Assets ratio (50%).
Low Risk Deposits: OVCH.Y's Loans to Deposits ratio (78%) is appropriate.
Level of Bad Loans: OVCH.Y has an appropriate level of bad loans (0.9%).