loan-to-deposit ratio - ltd

Funding pressure on mortgage rates - FT.com
May 25, 2012 . A look at UK lenders' loan-to-deposit ratios – which express their . Santander has a loan to deposit ratio of 138 per cent, while Lloyds' ratio is 130 per cent. . The Financial Times Ltd 2012 FT and 'Financial Times' are .
http://www.ft.com/cms/s/0/b3446c56-a58f-11e1-a3b4-00144feabdc0.html

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Loan to Deposit Ratio
The loan to deposit ratio is used to calculate a lending institution's ability to cover withdrawals made by its customers. A lending institution that accepts deposits .
http://www.financeformulas.net/Loan-to-Deposit-Ratio.html

Loan-to-value ratio - Financial Dictionary - The Free Dictionary
Definition of loan-to-value ratio in the Financial Dictionary - by Free online English dictionary and encyclopedia. What is loan-to-value ratio? Meaning of .
http://financial-dictionary.thefreedictionary.com/loan-to-value+ratio

China Said to Ease Lending Capacity Constraints for Banks ...
Mar 14, 2012 . The banking regulator is increasing the 2012 loan-to- deposit ratio target for Industrial & Commercial Bank of China Ltd. to 63 percent, .
http://www.businessweek.com/news/2012-03-14/china-said-to-ease-lending-capacity-constraints-for-banks

Loan-to-deposit ratio might see changes: report - China Daily
Jul 5, 2012 . The loan-to-deposit ratio is a measure used for assessing a bank's liquidity by . The content (including but not limited to text, photo, multimedia .
http://www.chinadaily.com.cn/business/2012-07/05/content_15551932.htm

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Spain's Economic Turmoil Camouflages BBVA's True Potential ...
Jun 6, 2012 . A healthy loan deposit ratio is generally considered to be 95% to 105% . of the Spanish crisis will naturally be limited by this fixed exposure.
http://seekingalpha.com/article/642071-spain-s-economic-turmoil-camouflages-bbva-s-true-potential

Loan-To-Deposit Ratio (LTD) Definition | Investopedia
A commonly used statistic for assessing a bank's liquidity by dividing the banks total loans by its total deposits. This number, also known as the LTD ratio, .
http://www.investopedia.com/terms/l/loan-to-deposit-ratio.asp

Loan to Deposit Ratio Calculator
The loan to deposit ratio, also known as LTD ratio or LDR, is a commonly used statistic for assessing a bank or a financial institution's liquidity by dividing the .
http://www.miniwebtool.com/loan-to-deposit-ratio-calculator/

Analysis: Ranks of tight-fisted community banks surge | Reuters
Jul 9, 2012 . Special Report: How Japan Inc stole a march in Myanmar . That loan-to-deposit ratio puts it near the bottom of 6,000 U.S. community banks, .
http://www.reuters.com/article/2012/07/09/us-communitybanks-loans-idUSBRE86805020120709

iv sPecial featUres - ECB - Europa
Loan- to-deposit ratios in the Finnish and Swedish banking sectors were over 120% at the . hence the real economic implications should generally be limited .
http://www.ecb.europa.eu/pub/fsr/shared/pdf/ivafinancialstabilityreview201206en.pdf?d85b53d4a7f33763c43587c3f5a108a1

This Is What European Banks' Loan-To-Deposit Ratios Look Like ...
May 23, 2012 . Deposits, or specifically, the Loan to Deposit Ratios of European banks. . off the radar, is literally off the charts when it comes to LTD ratios.
http://www.zerohedge.com/news/what-europes-loan-deposit-ratios-look

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Relaxation on loan-to-deposit ratio? | Institute for New Economic ...
Mar 3, 2012 . She suggested that inter-bank deposits should be counted when calculating LTD ratio (loan-to-deposit ratio) so that the LTD ratio of national .
http://ineteconomics.org/blog/china-seminar/relaxation-loan-deposit-ratio

Lloyds Banking Group plc – 2012 Q1 Interim Management ...
May 1, 2012 . As a consequence, our loan to deposit ratio has improved to 130%, . our net interest margin, we limited the decline in the quarter to only .
http://www.lloydsbankinggroup.com/media/pdfs/investors/2012/2012May1_LBG_Q1_IMS_Transcript.pdf

Spain: Financial Stability Assessment; IMF Country Report 12/137 ...
Interest Coverage Ratio. IMF. International Monetary Fund. LCR. Liquidity Coverage Ratio. LGD. Loss-given-default. LTD. Loan-to-Deposit. LTRO. Long Term .
http://www.imf.org/external/pubs/ft/scr/2012/cr12137.pdf

Section 109 Host State Loan-to-Deposit Ratios - Federal Reserve
Jun 29, 2012 . Host State Loan-to-Deposit Ratios. Using Data as of June 30, 2011. (Excludes wholesale or limited purpose CRA-designated banks, credit card .
http://www.federalreserve.gov/newsevents/press/bcreg/bcreg20120629c1.pdf

Loan-to-Deposit Ratio - What does LDR stand for? Acronyms and ...
LDR, Loan-to-Deposit Ratio (banking). LDR, Land Development Regulation. LDR, Linear Depolarization Ratio. LDR, Limited Distribution Release (Microsoft) .
http://acronyms.thefreedictionary.com/Loan-to-Deposit+Ratio

March 2012 Tokyo, Japan The Japan Research Institute Limited
The Japan Research Institute Limited . Deposit Insurance and Establishing Bankruptcy Process . . Commercial Banks' Loans, Deposits and L/D Ratio.
http://www.aseansec.org/documents/ASEAN+3RG/2012/120314Final%20Report_JRI_.pdf

Sovereigns, Banks, and Emerging Markets: Detailed Analysis ... - IMF
generally saw its short-term benefits as limited, except to the extent that it . loan-to-deposit ratio is replaced by the wholesale funding ratio. Note: Prepared by .
http://www.imf.org/external/pubs/ft/gfsr/2012/01/pdf/c2.pdf

What Does the "Loan-to-Deposit Ratio" Mean? | eHow.com
Loan-to-deposit ratio, or LTD, is an expression of how much money a bank or other financial institution retains in liquid assets, or deposits, compared to how .
http://www.ehow.com/info_8374524_loantodeposit-ratio-mean.html

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Banking agencies issue host state loan-to-deposit ratios
Jun 29, 2012 . Banking Agencies Issue Host State Loan-to-Deposit Ratios. The Board of Governors of the Federal Reserve System, the Federal Deposit .
http://www.federalreserve.gov/newsevents/press/bcreg/20120629c.htm

Absa Group Limited Financial results for the year ended 31 ...
Absa Bank Limited and its subsidiaries. 104. Financial reporting structure . The Group's loans-to-deposits ratio declined to 88% from 92%. Net asset value .
http://www.absa.co.za/deployedfiles/Absacoza/PDFs/About%20Absa/Annual%20&%20Interim%20Results/Annual%20Results/2012/Financial%20Booklet.pdf

China to relax loan-to-deposit ratio rules -paper | Reuters
Jul 5, 2012 . Market talk of an imminent change to the loan-to-deposit ratio (LDR) has . We welcome comments on our articles for a limited period after their .
http://in.reuters.com/article/2012/07/05/china-money-ldr-idINL3E8I506P20120705

A Banker's Quick Reference Guide to CRA - The Federal Reserve ...
performance in the AA. Examiner Review. Loan-to-deposit analysis. – Using Call Reports or UBPR data, calculate an average LTD ratio using quarterly LTDs .
http://www.frbsf.org/publications/community/cra/bankers_quick_reference_guide_cra.pdf

Saudi Arabia: Financial System Stability Assessment—Update; IMF ...
domestic economy, which has been reflected in a sharp decline in the loan-to- deposit (LTD) ratio and the continued high level of deposits (particularly demand .
http://www.imf.org/external/pubs/ft/scr/2012/cr1292.pdf

Chapter 3. World Bank Financial Sector Support ... - IEG - World Bank
Going for- ward, the limited size of Bank support could hamper the quality of its dialogue. IMF condi- . loan-to-deposit ratios of up to 140 percent. In December .
http://ieg.worldbankgroup.org/content/dam/ieg/crisis/crisis2_chap3.pdf

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Operation Twist II: Project Escape Velocity | The Economy ...
Jun 25, 2012 . As we mentioned last week in In the Parallel Universe, Credit Risk is Interest Rate Risk, the current aggregate loan to deposit ratio (or LTD) in .
http://www.minyanville.com/business-news/the-economy/articles/quantitative-easing-operation-twist-fed-decision/6/25/2012/id/41972

Why Europe's Banks Trail in Deleveraging Process - WSJ.com
Mar 26, 2012 . Put simply, a far higher proportion of U.S. loan books are funded by deposits. The U.S. market has a loan to deposit ratio of 78% compared to .
http://online.wsj.com/article/SB10001424052702303816504577303582094739676.html

A Brief Description of CRA
. loan-to-deposit ratio, the percentage of loans in the bank's assessment area, the . Wholesale and limited purpose banks are also assessed under a test .
http://www.ncrc.org/programs-a-services-mainmenu-109/policy-and-legislation-mainmenu-110/the-community-reinvestment-act-mainmenu-80/a-brief-description-of-cra-mainmenu-136

Is the loan-to-deposit ratio still relevant? - Tags: BANK loans BANK ...
Assesses the relevance of the loan-to-deposit (LDT) ratio to the banking system in the United States. LTD ratio as indication of a bank's loans funded through .
http://connection.ebscohost.com/c/articles/1029081/loan-to-deposit-ratio-still-relevant

Kazakh Banks - World Finance Review
deposits will grow by 17% YoY in 2012. The loan-to-deposit (LtD) ratio of. Kazakhstan's banking sector was virtually unchanged in 2011, and we expect deposits .
http://worldfinancereview.com/may%202012/16-17.pdf

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Presentation of the 2012 half-year results for the Julius Baer Group ...
Jul 23, 2012 . As a result, the adjusted cost/income ratio (2) went up to 70%. . Boris F.J. Collardi, Chief Executive Officer of Julius Baer Group Ltd., said: . loans and CHF 5 billion mortgages), resulting in a loan-to-deposit ratio of 0.48.
http://www.juliusbaer.com/htm/672/en/Presentation-of-the-2012-half-year-results-for-the-Julius-Baer-Group.htm?Article=51336

ABN AMRO reports full-year underlying profit of EUR 960 million
Mar 9, 2012 . Loan to deposit ratio (LtD). 130%. 135%. Stable funding / Non-liquid assets ratio ( SF/NLA). 106%. 104%. Liquidity Coverage Ratio (LCR). 69% .
http://www.abnamro.com/en/images/030_Media_Centre/90_Files/PressReleases/20120309_ABN_AMRO_reports_full-year_underlying_profit_of_EUR_960_million.pdf

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Balance sheet optimisation under Basel III - ING
Jan 13, 2012 . Liquidity coverage ratio will force banks to hold . LtD. • Loan to Deposit ratio to decline to below 1.10. LCR. • Liquidity coverage ratio to move .
http://www.ing.com/web/file?uuid=09c803d9-79a1-47ec-bfe5-8fc1ecb3937d&owner=b03bc017-e0db-4b5d-abbf-003b12934429&contentid=15242

Investor Presentation - ABN Amro
May 16, 2012 . Liquidity actively managed. Liquidity parameters. Liquidity buffer composition. 31 Mar 2012. 31 Dec 2011. Loan to deposit ratio (LtD). 132% .
http://www.abnamro.com/en/images/050_Investor_Relations/025_Presentations/Q12012_Investor_presentation.pdf

Developments in the Commercial Bank Loan Deposit Ratio, March ...
about their rising loan-deposit ratios and at times limited new lending for this reason. Thus, for example, in a sur- vey of bankers' lending and investing .
http://www.newyorkfed.org/research/monthly_review/1966_pdf/03_4_66.pdf

INSTRUCTIONS CONCERNING FINANCE ACTIVITY
method of calculating finance portfolio/deposits ratio. H) Circular No. . by the Central Bank, including, but not limited to, those concerning the maximum . maximum loan/deposit ratio from 80% to 85%, as well as increasing the growth rate .
http://www.cbk.gov.kw/pdf/Superv/IS_S9.pdf

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China Has No Plan to Change Bank's Loan Ratio: Official-Caijing
May 17, 2012 . But “We have no plans to change the loan-to-deposit ratio for banks,” . Ltd. and Agricultural Bank of China Ltd.--issued nearly no new loans in .
http://english.caijing.com.cn/2012-05-17/111850691.html

China's New Rules May Curb Credit Growth, CBRC Official Says ...
Jul 5, 2012 . “The loan-to-deposit ratio has proved to be the most effective tool in . with shares of Bank of China Ltd. falling 1 percent to HK$2.91 while .
http://www.bloomberg.com/news/2012-07-05/china-s-draft-rules-may-curb-credit-growth-cbrc-official-says.html

Loan-To-Deposit Ratio | ZeroHedge
This Is What European Banks' Loan-To-Deposit Ratios Look Like . European banks already have the highest loan-to-deposit loan-to-deposit ratio in the world.
http://www.zerohedge.com/taxonomy/term/9091

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Is the loan-to-deposit ratio still relevant? - fedgazette - Publications ...
Jul 1, 1998 . This so-called "liquidity" of a bank is evaluated using a whole host of tools and techniques, but the traditional loan-to-deposit (LTD) ratio is a .
http://www.minneapolisfed.org/publications_papers/pub_display.cfm?id=2530

Economics Asia - Bloomberg | Brief
May 24, 2012 . May-12. Spread Between Deposit & Lending Rates . loan-to-deposit ratio could help stimulate growth in . *CHINA CITIC BANK CORP LTD .
http://www.bloombergbriefs.com/files/Economics_Asia_052412-BP.pdf

Bank of North Dakota Ratings Raised On Bank Criteria Update ...
Nov 9, 2011 . quality will remain positive rating factors, despite the bank's limited . not fully fund the loan portfolio, the loan-to-deposit ratio is high at 259%.
http://banknd.nd.gov/financials_and_compliance/pdfs/SP_BankofNorthDakota_December2011.pdf

The Institute of International Finance, Inc. | United Arab Emirates
The recent decline in UAE bank deposits and increase in the loan-to-deposit ratio are explained by a decline in nonresident deposits, a slowdown in project .
http://www.iif.com/emr/mena/UAE/

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HERE - Novinite.com
Volume of deposits and loans . Loans to deposits ratio (in %) . tightening of the standards for the new loans, limited the increase of credit for the households .
http://www.novinite.com/media/files/2012/filepath_14.doc

Thank You - Canadian Investment Review
Bank Deleveraging: Loans-to-Deposits Ratio Comparison. The content . Source: CIBC Global Asset Management Inc. Bar graph is for illustration purpose only.
http://www.investmentreview.com/files/2012/04/Session-Seven-Duncan-Webster.pdf

First Banks, Inc. Announces Second Quarter 2012
Jul 24, 2012 . First Banks, Inc. (the “Company”), the holding company of First. Bank . The Company's loan-to-deposit ratio was 52.90% at June 30, 2012, .
https://www.firstbanks.com/pdfs/2ndQ12.pdf

Hong Kong Monetary Authority - Monetary Statistics for April 2012
May 31, 2012 . As Hong Kong-dollar loans increased at a slower rate than deposits, the Hong Kong-dollar loan-to-deposit ratio edged down to 82.4% at the .
http://www.hkma.gov.hk/eng/key-information/press-releases/2012/20120531-4.shtml

How CRA Works | About CRA
. loan-to-deposit ratio, the percentage of loans in the bank's assessment area, the . Wholesale and limited purpose banks are also assessed under a test .
http://www.expandcra.com/about-cra/how-cra-works/

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Last 24 hours

  1. Spain's banks bleeding cash as deposits shrink | FP Street | News ...
    Sep 17, 2012 . “The first consequence of a lower loan-to-deposit ratio being set is that you . DonRiver, Inc. Deploys Next Generation GUI to replace Amdocs .
    http://business.financialpost.com/2012/09/17/spains-banks-bleeding-cash-as-deposits-shrink/

  2. CCB (939 HK) – UNRATED
    Aug 2, 2012 . with limited downside trading at 2s.d. below mean consensus 12E PB. . loans to deposits ratio (LDR) allow banks to grow their loan book .
    http://www.abci.com.hk/download.php?type=research_report&key=MfLmqsGBpttdoESDxW6muvD5dSuguSOCDcxQmm91hJs%3D&file_extension=pdf

  3. Fact Sheet at 30 June 2012 - Nedbank Group Limited
    Jun 30, 2012 . Nedbank Group Limited ('Nedbank Group') is a bank holding company that operates as one . LOW GEARING. • Loan to Deposit ratio: 95,6% .
    http://www.nedbankgroup.co.za/pdfs/nbgFactSheet30June2012.pdf

  4. Bank deposits up but liquidity crunch persists | The Zimbabwe ...
    Mar 1, 2012 . Gamma Mudarikiri ZIMBABWE'S bank deposits to December last year grew . loan book as evidenced by an average loan-to-deposit ratio of 82,7 %. . to a persistent liquidity crisis and limited external lines of credit because .
    http://www.theindependent.co.zw/2012/03/01/bank-deposits-up-but-liquidity-crunch-persists/

  5. ABC: so far so good - The Zimbabwe Independent
    Aug 24, 2012 . As a result, the loans to deposits ratio increased from 67% to 89%. . The limited success of others like Kingdom in Botswana, who have also .
    http://www.theindependent.co.zw/2012/08/24/abc-so-far-so-good/

Last 24 hours

Last 24 hours

  1. Loan-deposit ratio - Wikipedia, the free encyclopedia
    Loan-deposit ratio, also known as the LTD ratio, is a ratio between the banks total loans and total deposits. If the ratio is lower than 1, the bank did not borrow the .
    http://en.wikipedia.org/wiki/Loan-deposit_ratio

  2. Regulation H: Section 109 of the Riegle-Neal - Federal Reserve
    Compare loan-to-deposit ratios—The first step is to conduct a loan-to-deposit ( LTD) ratio test to measure the lending and deposit activities of a bank's covered .
    http://www.federalreserve.gov/boarddocs/supmanual/cch/sec109.pdf

  3. FT Alphaville » The corporate deposit flight from Spain
    Aug 3, 2012 . BBVA and Santander reported deposit declines of about 1 per cent in the second quarter. . 98bps) was reflected in deposit outflows and rising loan/deposit ratios, . The financial Times Ltd 2012 FT and 'Financial Times' are .
    http://ftalphaville.ft.com/blog/2012/08/03/1106561/the-corporate-deposit-flight-from-spain/

  4. FT Alphaville » RRR cuts ? credit easing. Keep saying it.
    May 14, 2012 . First, the surprisingly small new loans in April seemed to have more to do with the constraints imposed by the loan-to-deposit ratio, given an outright . The financial Times Ltd 2012 FT and 'Financial Times' are trademarks of .
    http://ftalphaville.ft.com/blog/2012/05/14/997651/rrr-cuts-%E2%89%A0-credit-easing-keep-saying-it/

  5. Guaranty Trust Bank plc. - GTB Asset Management Limited
    Jun 11, 2012 . Healthy Asset Quality: The above 70% loan to deposit ratio of Guaranty Trust . For FY'11 the bank's loan-to-deposit ratio stood at 71.8%, with .
    http://www.gtbasset.com/forms/Guaranty%20Trust%20Bank.pdf

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  1. In-Depth Review - European Commission
    May 30, 2012 . aggregate – relatively limited. . Several of these banks have extremely high loan-to-deposit ratios and are covered by the. Austrian bank .
    http://ec.europa.eu/europe2020/pdf/nd/idr2012_slovenia_en.pdf

    7 Financial sector And Housing
    Bank funding is assessed through their loan-to-deposit ratio (LTD ratio), as well as the share of borrowing from the central bank in their total liabilities. Given that .
    http://ec.europa.eu/europe2020/pdf/themes/07_financial_sector_and_housing.pdf

  2. RBS launches aggressive mortgage drive - FT.com
    May 4, 2012 . “Others are having to shrink but we have more deposits than loans [in our core business]. . business – reducing its loan-to-deposit ratio and boosting returns at its . The Financial Times Ltd 2012 FT and 'Financial Times' are .
    http://www.ft.com/cms/s/0/20eb5844-9525-11e1-ad72-00144feab49a.html

    A Few Quick Reminders Why NOTHING Has Been Fixed In Europe ...
    Mar 21, 2012 . Deposits, or specifically, the Loan to Deposit Ratios of European banks. . off the radar, is literally off the charts when it comes to LTD ratios.
    http://www.zerohedge.com/news/few-quick-reminders-why-nothing-has-been-fixed-europe-and-why-ltro-3-not-coming

  3. Banking: Poles, Czechs and Slovaks form regional super-sector - FT ...
    May 17, 2012 . Poland's banks have a tier one capital ratio of 12 per cent, while Slovakia's have . sectors are relatively well insulated from shocks, with loan to deposit ratios of 80 . The Financial Times Ltd 2012 FT and 'Financial Times' are .
    http://www.ft.com/cms/s/0/6b85e648-9387-11e1-8c6f-00144feab49a.html

    Prohibition Against Use of Interstate Branches Primarily for - FDIC
    compliance with the prohibition against interstate deposit production offices: 1. Loan-to-deposit ratio. The first step involves a loan-to- deposit (LTD) ratio screen, .
    http://www.fdic.gov/regulations/compliance/manual/pdf/X-4.1.pdf

  4. Crisis-proofing financial integration: Czech Republic
    Czech banks had the strongest loan-to-deposit ratio in the region (figure 10). Figure 10: . The main reasons behind the limited presence of foreign loans were .
    http://siteresources.worldbank.org/ECAEXT/Resources/258598-1284061150155/7383639-1323888814015/8319788-1324485944855/03_czech.pdf

    Banco Santander: Paying The Price For Its Association With Spain ...
    May 31, 2012 . The importance of a bank's loan deposit ratio as a measure of . deepening of the Spanish crisis will only have a limited effect on the bank.
    http://seekingalpha.com/article/628341-banco-santander-paying-the-price-for-its-association-with-spain

  5. SMALL BANK - Office of the Comptroller of the Currency
    FFSB's loan-to-deposit ratio (LTD) is reasonable in comparison to similarly situated banks in Wyoming (WY). • The distribution of loans to borrowers of different .
    http://www.occ.gov/static/cra/craeval/aug12/703619.pdf

    INSTITUTION'S CRA RATING - Office of the Comptroller of the ...
    FHNB's loan-to-deposit (LTD) ratio is less than reasonable and averaged 13.4% over the past 18 quarters since the previous CRA Performance Evaluation (PE).
    http://www.occ.gov/static/cra/craeval/jul12/15606.pdf

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