Comprehensive analysis of Asset Quality, Capital, and Profitability.
For cross-bank comparison charts, see All Banks Dashboard
1. The Vital Signs
The top row tells you if the bank is healthy right now.
Net Profit (Latest Q)
Is the bank making money?
Gross Impaired Loans (GIL)
Bad loans. Keep under 2.0%.
CET1 Capital Ratio
Cushion for customer defaults.
Cost-to-Income Ratio
Efficiency. Falling is better.
2. The Income and Operational Efficiency
Look at the trend of the net income and net interest income. Up or down?
Look at the trend of cost to income ratio. Is it going up or down?
3. The Safety Net
Banking is about managing risk. These charts show the bank’s “shield”:
Loan Loss Coverage: Green = Good coverage. Red = Under-insured.
Rainy-day fund. Should stay well above the red dotted line (regulatory floor).
4. The Growth Engine
A healthy bank must grow its core business to sustain dividends.