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Loan to Deposit Ratio (LDR)

Calculate LDR for banking analysis.

Loan to Deposit Ratio Calculator

Total amount of loans issued by the bank

Total amount of customer deposits

LDR Results

Loan to Deposit Ratio

Total Loans

Total Deposits

Risk Assessment

Formula & Information

Formula

LDR = (Total Loans ÷ Total Deposits) × 100

LDR Ranges

Low Risk (50-75%) Conservative
Moderate Risk (75-90%) Balanced
High Risk (90-100%) Aggressive
Very High Risk (>100%) Overextended

Key Insights

  • • Measures bank's lending activity relative to deposits
  • • Higher ratios indicate more aggressive lending
  • • Lower ratios suggest conservative approach
  • • Regulatory limits vary by jurisdiction
  • • Affects bank profitability and liquidity
  • • Should be monitored regularly

Example Calculations

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