Page 6 - MAYBANK vs EPF

ii) Loan to Deposit Ratio = RM293,232,268_ = RM275,086,713_ = _RM228407732_
= _Total Loan_ (RM331,878,295 + (RM328,938,600 + (RM255,160,315 +
Total Deposit RM29,856,710) RM37,645,134) RM52,940,747)

= RM293,232,268 = RM275,086,713 = RM228,407,732
RM361,735,005 RM366,583,734 RM308,101,062

= 81.06% = 75.04% = 74.13%

Comment: Based on Maybank annual reports, the percentage (%) of deposit has been given to borrower in
the year 2016 (81.06%), year 2017 (75.04%) and year 2018 (74.13%). In the year 2016, the Loan to Deposit
ratio is the higher where it indicates better profit, but Maybank might face higher risk (risk of NPL).

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