Vanquis Banking Group PLC
Vanquis Banking Group plc engages in the provision of personal credit products to the non-standard lending market in the United Kingdom and the Republic of Ireland. The company offers credit cards products, and unsecured personal loans products, as well as provides vehicle finance for cars, motorbikes, van, and light commercial vehicles. It also operates Snoop, a fintech app, that uses open banki… Read more
Vanquis Banking Group PLC - Asset Resilience Ratio
Vanquis Banking Group PLC (VANQ) has an Asset Resilience Ratio of 3.45% as of June 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (1985–2024)
This chart shows how Vanquis Banking Group PLC's Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.
Liquid Assets Composition Over Time
This chart breaks down Vanquis Banking Group PLC's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | GBX0.00 | 0% |
| Short-term Investments | GBX118.80 Million | 3.45% |
| Total Liquid Assets | GBX118.80 Million | 3.45% |
Asset Resilience Insights
- Limited Liquidity: Vanquis Banking Group PLC maintains only 3.45% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company has significant short-term investments, indicating active treasury management.
Vanquis Banking Group PLC Industry Peers by Asset Resilience Ratio
Compare Vanquis Banking Group PLC's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Ping An Bank Co Ltd
SHE:000001 |
Banks - Regional | -6.06% |
|
Bank of Ningbo Co Ltd
SHE:002142 |
Banks - Regional | 6.40% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Bank of Suzhou
SHE:002966 |
Banks - Regional | -8.31% |
|
Jeju Bank
KO:006220 |
Banks - Regional | 2.45% |
|
Industrial Bank Of Korea
KO:024110 |
Banks - Regional | 4.07% |
|
Hana Financial
KO:086790 |
Banks - Regional | 3.29% |
|
PT Bank Sinarmas Tbk
F:08S |
Banks - Regional | 3.70% |
Annual Asset Resilience Ratio for Vanquis Banking Group PLC (1985–2024)
The table below shows the annual Asset Resilience Ratio data for Vanquis Banking Group PLC.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 0.07% | GBX2.30 Million | GBX3.38 Billion | -0.10pp |
| 2023-12-31 | 0.17% | GBX5.40 Million | GBX3.21 Billion | -0.23pp |
| 2022-12-31 | 0.40% | GBX10.70 Million | GBX2.66 Billion | +0.27pp |
| 2021-12-31 | 0.13% | GBX3.60 Million | GBX2.73 Billion | +0.15pp |
| 2020-12-31 | -0.02% | GBX-600.00K | GBX3.08 Billion | -0.59pp |
| 2019-12-31 | 0.57% | GBX16.60 Million | GBX2.91 Billion | -1.01pp |
| 2018-12-31 | 1.58% | GBX47.80 Million | GBX3.02 Billion | +0.04pp |
| 2017-12-31 | 1.54% | GBX45.80 Million | GBX2.97 Billion | +1.26pp |
| 2016-12-31 | 0.28% | GBX8.00 Million | GBX2.83 Billion | -0.43pp |
| 2015-12-31 | 0.71% | GBX17.50 Million | GBX2.47 Billion | +0.70pp |
| 2014-12-31 | 0.01% | GBX200.00K | GBX2.26 Billion | -0.29pp |
| 2013-12-31 | 0.30% | GBX5.50 Million | GBX1.81 Billion | +0.28pp |
| 2011-12-31 | 0.02% | GBX300.00K | GBX1.48 Billion | -0.23pp |
| 2010-12-31 | 0.25% | GBX3.50 Million | GBX1.38 Billion | +0.19pp |
| 2007-12-31 | 0.07% | GBX700.00K | GBX1.08 Billion | +0.05pp |
| 2006-12-31 | 0.02% | GBX300.00K | GBX1.91 Billion | -0.44pp |
| 2005-12-31 | 0.45% | GBX9.00 Million | GBX1.98 Billion | -21.93pp |
| 2004-12-31 | 22.38% | GBX461.70 Million | GBX2.06 Billion | -3.78pp |
| 2003-12-31 | 26.17% | GBX514.50 Million | GBX1.97 Billion | -1.28pp |
| 2002-12-31 | 27.44% | GBX503.80 Million | GBX1.84 Billion | -2.66pp |
| 2001-12-31 | 30.10% | GBX430.62 Million | GBX1.43 Billion | +3.31pp |
| 2000-12-31 | 26.79% | GBX330.00 Million | GBX1.23 Billion | +1.43pp |
| 1999-12-31 | 25.36% | GBX266.30 Million | GBX1.05 Billion | -2.19pp |
| 1998-12-31 | 27.54% | GBX268.63 Million | GBX975.31 Million | -3.06pp |
| 1997-12-31 | 30.60% | GBX280.60 Million | GBX916.86 Million | -4.37pp |
| 1996-12-31 | 34.97% | GBX297.68 Million | GBX851.13 Million | +3.48pp |
| 1995-12-31 | 31.50% | GBX260.19 Million | GBX826.12 Million | +5.07pp |
| 1994-12-31 | 26.43% | GBX197.14 Million | GBX745.91 Million | +6.47pp |
| 1993-12-31 | 19.96% | GBX127.91 Million | GBX640.73 Million | +8.13pp |
| 1992-12-31 | 11.83% | GBX64.07 Million | GBX541.54 Million | +4.07pp |
| 1991-12-31 | 7.77% | GBX41.52 Million | GBX534.72 Million | +0.97pp |
| 1990-12-31 | 6.80% | GBX34.58 Million | GBX508.56 Million | -0.68pp |
| 1989-12-31 | 7.48% | GBX34.11 Million | GBX455.87 Million | +0.79pp |
| 1988-12-31 | 6.70% | GBX24.15 Million | GBX360.74 Million | +1.34pp |
| 1987-12-31 | 5.35% | GBX18.28 Million | GBX341.58 Million | +0.28pp |
| 1986-12-31 | 5.08% | GBX16.68 Million | GBX328.74 Million | +0.80pp |
| 1985-12-31 | 4.28% | GBX13.25 Million | GBX309.83 Million | -- |