The loan-to-deposit (LTD) ratio of the Spanish banking system decreased considerably between 2010 and 2023. In 2023, the ratio between credits and deposits of Spanish banks stood at 100.74 percent, more than 48 percentage points less than in 2010. The Spanish banking industry reached its best degree of liquidity in 2019.
Loan-to-deposit (LTD) ratio of the banking industry in Spain from 2010 to 2023
Figures of 2022 and 2023 refer to the third quarter of each year. Â
The LTD (Loan-to-Deposit ratio) is the financial ratio that measures the liquidity of a bank through the ratio of the funds it has in its deposits to the volume of loans granted to customers. A low LTD ratio indicates a good degree of liquidity that allows banks to respond to requests for reimbursement from their customers.
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ECB. (December 15, 2023). Loan-to-deposit (LTD) ratio of the banking industry in Spain from 2010 to 2023 [Graph]. In Statista. Retrieved November 21, 2024, from https://www.statista.com/statistics/765038/liquidity-from-the-banking-spanish-according-the-ratio-ltd/
ECB. "Loan-to-deposit (LTD) ratio of the banking industry in Spain from 2010 to 2023." Chart. December 15, 2023. Statista. Accessed November 21, 2024. https://www.statista.com/statistics/765038/liquidity-from-the-banking-spanish-according-the-ratio-ltd/
ECB. (2023). Loan-to-deposit (LTD) ratio of the banking industry in Spain from 2010 to 2023. Statista. Statista Inc.. Accessed: November 21, 2024. https://www.statista.com/statistics/765038/liquidity-from-the-banking-spanish-according-the-ratio-ltd/
ECB. "Loan-to-deposit (Ltd) Ratio of The Banking Industry in Spain from 2010 to 2023." Statista, Statista Inc., 15 Dec 2023, https://www.statista.com/statistics/765038/liquidity-from-the-banking-spanish-according-the-ratio-ltd/
ECB, Loan-to-deposit (LTD) ratio of the banking industry in Spain from 2010 to 2023 Statista, https://www.statista.com/statistics/765038/liquidity-from-the-banking-spanish-according-the-ratio-ltd/ (last visited November 21, 2024)
Loan-to-deposit (LTD) ratio of the banking industry in Spain from 2010 to 2023 [Graph], ECB, December 15, 2023. [Online]. Available: https://www.statista.com/statistics/765038/liquidity-from-the-banking-spanish-according-the-ratio-ltd/
