Overall Score

Environmental

No material environmental disclosures or climate-related initiatives were provided in the fresh data.

Capital intensity remains modest, with capex at 1.9% of revenue and capex covering depreciation at 0.81x, suggesting limited near-term environmental investment pressure.

Social

No new workforce, customer, or community-related news was reported this month.

Operating efficiency remains stable, with receivables turnover of 16.0x and a 22.7-day operating cycle, indicating steady working-capital management.

Governance

Balance-sheet leverage remains manageable for a bank, with debt-to-equity at 0.37x and debt-to-assets at 4.7%.

Profitability and cash generation remain solid, with net margin at 19.7%, free cash flow yield at 12.9%, and price-to-book near 1.0x.

Liquidity remains a key governance constraint, as current ratio and quick ratio are both 0.13x and interest coverage is only 1.08x.