Page 11 - MAYBANK vs EPF
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8. Loan to Deposit Ratio
Loan To Deposit Ratio
85.00%
80.00%
81.06%
75.00%
75.04% 74.13%
70.00%
2016 2017 2018
Loan To Deposit Ratio
The loan-to-deposit ratio (LDR) used to weight the bank's liquidity by comparing the total loans
to its total deposits for the same period. Based on data above, the trend analysis is going
downward from 81.06% in 2016, 75.04% in 2017 and 74.13% in 2018 consecutively. If the ratio
is too high, that means Maybank has better profit, but higher risk and may not have enough
liquidity to cover any unforeseen fund requirements.
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