loan to deposit ratio low

Operation Twist II: Project Escape Velocity | The Economy ...
Jun 25, 2012 . It's no coincidence that today's 50-year low in velocity corresponds to a historic low loan-to-deposit ratio.
http://www.minyanville.com/business-news/the-economy/articles/quantitative-easing-operation-twist-fed-decision/6/25/2012/id/41972

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How do banks respond to increased funding ... - Faculty of Economics
loan-to-deposit ratio, loan-deposit synergies, loss leader, monetary policy. . ? is suffi ciently low for the bank to be an active participant in loan and deposits .
http://www.econ.cam.ac.uk/faculty/ritz/pubs/Ritz_RBFU_February2012.pdf

FDIC: Banks Operating at 79% Loan-to-Deposit Ratio
Mar 3, 2010 . Put another way, having too high a loans-to-deposit ratio means that a bank either doesn't know how to get low-cost deposits or has chosen not .
http://www.mortgagenewsdaily.com/garrett_watts/137979.aspx

Analysis: Ranks of tight-fisted community banks surge | Reuters
Jul 9, 2012 . But the 812 community banks with low loan-to-deposit ratios seem to be having a tougher time than their peers. These banks loaned just 40 .
http://www.reuters.com/article/2012/07/09/us-communitybanks-loans-idUSBRE86805020120709

iv sPecial featUres - ECB - Europa
in the current low price-to-book values of listed EU banks). . In fact, the loan-to- deposit and leverage ratios of . By comparison, the loan-to-deposit ratio of the .
http://www.ecb.europa.eu/pub/fsr/shared/pdf/ivafinancialstabilityreview201206en.pdf?d85b53d4a7f33763c43587c3f5a108a1

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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

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

Banks going high on loans, low on deposits - Economic Times
Feb 10, 2010 . MUMBAI: Banks are beginning to correct an expensive mistake they made during the downturn. More and more banks are saying `no' to .
http://articles.economictimes.indiatimes.com/2010-02-10/news/28387341_1_bulk-deposits-incremental-credit-deposit-credit-deposit-ratio

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 dividing the banks total loans by the total deposits. A lower .
http://www.chinadaily.com.cn/business/2012-07/05/content_15551932.htm

Liquidity Ratios: Definition from Answers.com
A low ratio of loans to deposits indicates excess liquidity, and potentially low profits, compared to other banks. A high loan-to-deposit ratio presents the risk that .
http://www.answers.com/topic/liquidity-ratio

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

Loan-deposit ratio may tie RBI hands on rates - Economic Times
Mar 30, 2012 . MUMBAI: The Reserve Bank of India is facing yet another challenge in its endeavor to lower benchmark rates, as high loan-to-deposit ratio will .
http://articles.economictimes.indiatimes.com/2012-03-30/news/31261134_1_deposit-rates-deposit-growth-indian-banks

Deposits-to-loan ratio plunges to new low - FierceFinance
Sep 14, 2012 . When it comes to core lending, banks have been in quite a conundrum over the last few years, especially those that took advantage of TARP .
http://www.fiercefinance.com/story/deposits-loan-ratio-plunges-new-low/2012-09-14

Developments in the Commercial Bank Loan Deposit Ratio, March ...
In the past two decades, the average loan-deposit ratio of all commercial banks has increased nearly threefold, moving from a very low level of roughly 22 per .
http://www.newyorkfed.org/research/monthly_review/1966_pdf/03_4_66.pdf

New Fed Rules Will Kill Thrift Banks - Forbes
Jun 11, 2012 . The financial metrics that allowed thrifts to be profitable—high loan-to-deposit ratios, low expenses, and high leverage—are no longer possible .
http://www.forbes.com/sites/halahtouryalai/2012/06/11/new-fed-rules-will-kill-thrift-banks-kbw-says/

Creighton News Rural Mainstreet Economy Bounces Up for Month ...
May 17, 2012 . Approximately one-fourth of bank CEOs report record-low, loan-to-deposit ratios. More than one-third of bankers indicate the percentage of .
http://www.creighton.edu/publicrelations/newscenter/news/2012/may2012/may172012/mainstreetnr051712/index.php

Weathering the financial crisis - Bank for International Settlements
banking sector, lower loan-to-deposit ratios, a current account surplus, high foreign exchange reserves and low levels and growth rates of private sector .
http://www.bis.org/publ/work351.pdf

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A Brief Description of CRA
. the level of lending, investments, and services in low- and moderate-income . loan-to-deposit ratio, the percentage of loans in the bank's assessment area, .
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

UAE banks have highest adequacy in GCC - Emirates 24/7
May 7, 2012 . Kuwait emerged as having the highest loans-to-deposits ratio at around . 78 per cent in Saudi Arabia and as low as 72 per cent in Bahrain.
http://www.emirates247.com/business/economy-finance/uae-banks-have-highest-adequacy-in-gcc-2012-05-07-1.457444

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) . is 75 percent, China's big four state banks all operate with lower ratios.
http://in.reuters.com/article/2012/07/05/china-money-ldr-idINL3E8I506P20120705

FT Alphaville » RRR cuts ? credit easing. Keep saying it.
May 14, 2012 . Three, they can lower the RRR for banks to free up resources for lending . more to do with the constraints imposed by the loan-to-deposit ratio, .
http://ftalphaville.ft.com/blog/2012/05/14/997651/rrr-cuts-%E2%89%A0-credit-easing-keep-saying-it/

Chapter 3. World Bank Financial Sector Support ... - IEG - World Bank
rage. Low overall credit was reflected in a low loan-to-deposit ratio of 52 percent for all banks, a source of strength in the crisis but also a sign of shallow financial .
http://ieg.worldbankgroup.org/content/dam/ieg/crisis/crisis2_chap3.pdf

Regions Financial: Low-Cost Deposit Franchise For A Bargain Price ...
Jul 25, 2012 . Regions Financial: Low-Cost Deposit Franchise For A Bargain Price . With a conservative loan-deposit ratio of 80.1%, Regions Financial has .
http://seekingalpha.com/article/746221-regions-financial-low-cost-deposit-franchise-for-a-bargain-price

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Funding dilemma: Banks on methadone | The Economist
Jul 22, 2010 . All these banks are trying to lower the ratio of loans to customer deposits; sounder banks will be rewarded when a new banking levy comes into .
http://www.economist.com/node/16645083

Switzerland: 2012 Article IV Consultation--Staff Report; Public - IMF
are operating with low levels of high-quality capital and high leverage while global financial markets . have loan/deposit ratios below peers and share of liquid .
http://www.imf.org/external/pubs/ft/scr/2012/cr12106.pdf

The Banking System: Commercial Banking - Key Ratios/Factors ...
Conversely, if the loan/deposit ratio is too low, the bank is holding on to unproductive capital and earning less than it should. Efficiency Ratio A bank's efficiency .
http://www.investopedia.com/university/banking-system/banking-system9.asp

World's Best Banks 2012: Asia | Global Finance
Most reported declines in nonperforming loan (NPL) ratios last year. . industry average of 7.0%, while keeping its loan-to-deposit ratio at an industry low 67.6%.
http://www.gfmag.com/archives/153-may-2012/11757-worlds-best-banks-2012-asia.html

Deposits Everywhere … And No Place to Put Them - ProfitStars
funds are just invested in low yielding securities. This situation can be captured by the loan to deposit ratio shown in the following table which continues to .
http://www.profitstars.com/ToolsAndResources/PSWP_MM_DepositsEverywhere%20FINAL.pdf

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Navigating the Brave New World of Bank Liquidity
Other things equal, the higher a bank's stock of core deposits—or, put another way, the lower its loan-to-core-deposit ratio—the lower the liquidity risk. Over the .
http://www.stlouisfed.org/publications/re/articles/?id=409

Former Yugoslav Republic of Macedonia: 2011 Article IV - IMF
Jun 1, 2012 . Deposits provided the main source of funding (loans totaled. 86 percent of deposits) and reliance on foreign funding was low. The NPL ratio .
http://www.imf.org/external/pubs/ft/scr/2012/cr12133.pdf

China Said to Ease Lending Capacity Constraints for Banks ...
Mar 14, 2012 . The banking regulator is increasing the 2012 loan-to- deposit ratio . four biggest banks after new loans dropped to a four-year low, officials at .
http://www.bloomberg.com/news/2012-03-14/china-said-to-ease-lending-capacity-constraints-for-banks.html

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EM banks most profitable – but vulnerable on deposit bases ...
Jul 4, 2011. and most profitable in Argentina, now has a loan-to-deposit ratio of 125 . funds for loan growth, with loan-to-deposit ratios mostly lower than .
http://blogs.ft.com/beyond-brics/2011/07/04/em-banks-most-profitable-but-vulnerable-on-deposit-bases/

In-Depth Review - European Commission
May 30, 2012 . abroad rare due to the low share of foreign ownership. . Several of these banks have extremely high loan-to-deposit ratios and are covered .
http://ec.europa.eu/europe2020/pdf/nd/idr2012_slovenia_en.pdf

Is the European banking model broken?
Mar 28, 2012 . The U.S. market has a loan to deposit ratio of 78% compared to more . Of course loan-to-deposit ratios are lower when mortgages are called .
http://marginalrevolution.com/marginalrevolution/2012/03/is-the-european-banking-model-broken.html

What Is a Loan-to-Deposit Ratio?
A loan-to-deposit ratio is a measurement used in the banking world to calculate . Regulators may lower the loan-to-deposit ratio of the bank that has a already .
http://www.wisegeek.com/what-is-a-loan-to-deposit-ratio.htm

If deposits are falling, then the only option - jmhamiltonpublishing
Sep 17, 2012 . “The first consequence of a lower loan-to-deposit ratio being set is that you have to identify chunks of assets to sell and that inevitably leads to .
http://jmhamiltonpublishing.com/2012/09/17/if-deposits-are-falling-then-the-only-option-for-spanish-banks-to-bring-down-their-loans-to-deposit-ratio-is-to-cut-back-on-the-loans-side-maughan-said-does-that-sound-li/

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About Wells Fargo – Investor Relations – Investment Profile – Wells ...
Record quarterly earnings; strong loan and deposit growth Show Details . Solid credit quality with lower net charge-offs and non-performing assetsShow Details . The efficiency ratio is noninterest expense divided by total revenue (net .
https://www.wellsfargo.com/invest_relations/investment_profile

No Deposit Home Loans or Low Deposit Home
No Deposit Home Loans - Want to buy property but have little or no deposit? . home loans are unavailable, there are still some lenders with low deposit solutions . at your capacity to repay the loan, given the high loan to property value ratio.
http://www.loanmarket.com.au/home-loans/no-deposit/

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COMMUNITY REINVESTMENT ACT - FFIEC
to assess the extent to which these activities compensate for a low loan-to- deposit ratio or supplement the institution's lending performance as reflected in its .
http://www.ffiec.gov/cra/pdf/cra_exsmall.pdf

Guaranty Trust Bank plc. - GTB Asset Management Limited
Jun 11, 2012 . asset/liability management. Healthy Asset Quality: The above 70% loan to deposit ratio of Guaranty Trust Bank and a 3.7% low NPL ensures .
http://www.gtbasset.com/forms/Guaranty%20Trust%20Bank.pdf

European Banks Horror-Show |
Sep 18, 2012 . “The first consequence of a lower loan-to-deposit ratio being set is that you have to identify chunks of assets to sell and that inevitably leads to .
http://www.acting-man.com/?p=19643

12 CFR part 345 - FDIC
Jun 29, 2012 . (2) Community services targeted to low- or moderate-income . (1) The bank's loan-to-deposit ratio, adjusted for seasonal variation, and, .
http://www.fdic.gov/regulations/laws/rules/2000-6500.html

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Financial crisis? It's a pyramid, stupid.: Loan to deposit ratio and ...
Sep 2, 2009 . Therefore if loan to deposit ratio is below 100%, the lower the loan to deposit ratio, the lower the money multiplier, the higher the “stickiness” of .
http://gregpytel.blogspot.com/2009/09/loan-to-deposit-ratio-and-banks_02.html

A Banker's Quick Reference Guide to CRA - The Federal Reserve ...
Low-Income — Median family income less than 50 percent of the area median income. Moderate-Income . Loan-to-deposit ratio. – given the bank's size and .
http://www.frbsf.org/publications/community/cra/bankers_quick_reference_guide_cra.pdf

PART 369—PROHIBITION AGAINST USE OF INTERSTATE - Justia
(2) Whether covered interstate branches were acquired under circumstances where there was a low loan-to-deposit ratio because of the nature of the acquired .
http://law.justia.com/cfr/title12/12-4.0.1.2.53.html

Moody's downgrades Dutch banking groups; most outlooks now stable
Jun 15, 2012 . Indicating a gap in retail funding, the loan-to-deposit ratio of ING Bank, . net profits in 2010 and 2011, bolstered by low loan-loss provisions, .
http://www.moodys.com/research/Moodys-downgrades-Dutch-banking-groups-most-outlooks-now-stable--PR_248387

Chapter 23 - Examiners Guide - NCUA
in the loan files) may indicate an institution qualifies as a low-income credit union . . When determining the nonmember deposit ratio, $701.32 permits exclusion .
http://www.ncua.gov/Legal/GuidesEtc/ExaminerGuide/chapter23.pdf

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On Travel

Last 24 hours

  1. Bank of North Dakota Ratings Raised On Bank Criteria Update ...
    Nov 9, 2011 . increase because of a strong and growing low-cost deposit base . 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

  2. Herro: Market's Big Mistake on European Banks
    Sep 13, 2011 . We like a source of funding that is a high deposit-to-loan ratio or a low loan- deposit ratio. So we like banks that have good deposit franchises.
    http://www.morningstar.com/cover/videocenter.aspx?id=394435

  3. (B). Angelo King Institute - Asean
    And the liquidity asset and loan-deposit ratios are at stable levels. . degree of indebtedness may lead to a lower net loans to total assets ratio. There are also .
    http://www.aseansec.org/documents/ASEAN+3RG/2012/Roles%20and%20Functions%20of%20the%20Banking%20Region_Angelo%20King%20Institute_Final.pdf

  4. Cash Holdings Continue To Rise - Corn and Soybean Digest
    Mar 29, 2012 . The tradeoff is decreased profitability due to the low interest earned on cash and savings. Lenders are also affected through higher loan .
    http://cornandsoybeandigest.com/issues/cash-holdings-continue-rise

  5. Citigroup Reports Second Quarter 2012 Earnings per Share of ...
    Jul 16, 2012 . Basel I Tier 1 Common Ratio Increased to 12.7%; Estimated Basel III Tier 1 Common . We had strong growth in both loans and deposits, showed . Lower revenues in the Special Asset Pool and in Local Consumer Lending .
    http://www.citigroup.com/citi/news/2012/120716a.htm

Last 24 hours

Last 24 hours

  1. Navigating an Uncertain Global Environment - IMF
    in July 2011, suspended recently introduced limits to the loan-to-deposit ratio, and recommended that banks lower lending rates. The SBV also kept dong .
    http://www.imf.org/external/pubs/ft/reo/2011/apd/eng/c1.pdf

  2. U.S. Banking Sector Looks Relatively Attractive Compared To ...
    Jul 4, 2012 . The first chart gives the loan-to-deposit ratio for US, EU and Japanese . A low stable funding ratio indicates high maturity transformation for .
    http://seekingalpha.com/article/701431-u-s-banking-sector-looks-relatively-attractive-compared-to-european-and-japanese-banks

  3. Banks: At the Heart of the Matter -- Back to Basics, Finance - IMF
    Most deposits are used to finance longer-term loans, which are hard to convert into cash quickly;. •a low ratio of cash to assets; and. •a low ratio of capital (assets .
    http://www.imf.org/external/pubs/ft/fandd/basics/bank.htm

  4. Hokuetsu Bank
    Jul 27, 2012 . (2) Given the low levels of the loan-deposit interest rate spread and yields on investment securities, as well as the low loan-to-deposit ratio, .
    http://www.jcr.co.jp/release/pdfen/12d0324HBKen.pdf?PHPSESSID=b5309d290e1dfde5c49cfe4c8dc792cd

  5. Ratio of loans to deposits paints a gloomy picture
    Jun 18, 2007 . The company's research showed loan-to-deposit ratios remained low even as deposits were not growing. This is, it said, because of the poor .
    http://www.nationmultimedia.com/2007/06/18/business/business_30037122.php

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  1. Sovereigns, Banks, and Emerging Markets: Detailed Analysis ... - IMF
    investors that seek steady, low-risk returns, such as central banks . loan-to- deposit ratio is replaced by the wholesale funding ratio. Note: Prepared by Jorge .
    http://www.imf.org/external/pubs/ft/gfsr/2012/01/pdf/c2.pdf

    Why low deposit rates may be short-lived for banks - Economic Times
    Sep 12, 2012 . The overall loans-to-deposits ratio still remains at 75%, reflecting that . raised short-term deposits, (which are low cost), and lent long term for .
    http://articles.economictimes.indiatimes.com/2012-09-12/news/33789557_1_deposit-rates-bank-deposits-interest-rates

  2. U.S. Banks Are Well Set To Weather E.U. Financial Crisis - Forbes
    Jun 4, 2012 . Back in the last boom, loan-to-deposit ratios were high, so banks . the total exposure of American banks is low—under six percent of assets.
    http://www.forbes.com/sites/billconerly/2012/06/04/american-banks-and-european-financial-crisis/

    Commission Staff Working Paper - European Commission - Europa
    concentrations are mitigated by the overall moderate degree of leverage of the banks. The loan to deposit ratio is low, particularly for the domestic Cypriot banks .
    http://ec.europa.eu/europe2020/pdf/nd/swd2012_cyprus_en.pdf

  3. UPDATE 1-China has no plan to change bank loan ratio-CBRC ...
    May 16, 2012 . No plans to change to loan-to-deposit ratio, CBRC vicechairman says* . Fresh loans hit a 21-month low in September 2011, only to scale a .
    http://www.reuters.com/article/2012/05/16/china-economy-loans-idUSL4E8GG3Y920120516

    Spain's Economic Turmoil Camouflages BBVA's True Potential ...
    Jun 6, 2012 . BBVA's exposure to Greek sovereign debt is particularly low and is 0.01%. . A healthy loan deposit ratio is generally considered to be 95% to .
    http://seekingalpha.com/article/642071-spain-s-economic-turmoil-camouflages-bbva-s-true-potential

  4. ACKNOWLEDGEMENTS - European Commission - Europa
    business confidence reaching record lows on the back of weakening external trade. As the slowdown in . Lastly, the loan-to-deposit ratio dropped to 146 per .
    http://ec.europa.eu/economy_finance/publications/occasional_paper/2012/pdf/ocp95_en.pdf

    Sweden: Financial Sector Assessment Program Update ... - IMF
    environment, low interest rates, tax deductibility, and the development of the covered bond . high loan-to-deposit ratio of 200 percent for the sector. This ratio is .
    http://www.imf.org/external/pubs/ft/scr/2011/cr11288.pdf

  5. Malaysia Banking - Maybank Investment Bank Berhad
    Sources: BNM, Maybank IB. Ample liquidity. The industry's loan/deposit ratio has risen from a low of 69% in Jan 07 to 82% presently, but current levels are still .
    http://www.maybank-ib.com/pdf/Banking%20Sector%202012.pdf

    The Second Economic Adjustment Programme for Greece - March
    Loan to deposit ratio by bank. 19. 18. State primary . international community provides Greece with financing at low interest rates, thereby compensating for the .
    http://ec.europa.eu/economy_finance/publications/occasional_paper/2012/pdf/ocp94_en.pdf

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