Helps professionals find opportunities in business administration and administration careers throughout all specialties and locations. Many factors have an effect on the NIM. One in every of them is the Mortgage-to-Deposit Ratio (LDR). This ratio signifies how much deposits are lent out as loans. The upper the LDR, the extra loans are constructed from the deposits. Nonetheless, it is by no means a good idea to lend out a hundred% of the deposits, as a result of if depositors were to withdraw money from the bank at quick notices, the bank must find different sources of funds to switch them. These different sources of funds are usually costlier than prospects’ deposits. Because of the COVID-19 recession, depositors have flocked again to the protection of the three major banks. For DBS, its LDR has dropped from 89% in Dec 2019 to eighty three% in Sep 2020 because it receives extra deposits than it could loan out.
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