Singapore banks' loan to deposit ratio boosted by robust loan growth

All three of them hit the high 80s.

According to CIMB, loan growth for DBS and UOB was above average, because of chunky loans. It is unclear whether those loans will back out in 2H.

Strong loan growth pulled all three banks‟ loan-deposit ratios to the high 80s. In three years, DBS has gone from the lowest LDR to the highest.

Here's more from CIMB:

All guided that LDR is a less useful measure of liquidity today since Basel III liquidity requirements mean a focus on liquidity capital ratios (LCRs) i.e. the type of deposits is more important.

DBS is quite happy to let its time deposit share slip, and fund revolving trade loans easily and cheaply with commercial papers (CPs).

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