Work out credit deposit ratio instantly with clear inputs, formula shown and shareable results.
The credit to deposit ratio shows how much of the deposit base has been lent out. A high ratio signals aggressive growth and reliance on wholesale funding; a low one signals surplus liquidity earning less than loans would.
Credit deposit ratio
Ratio = advances / deposits; headroom = deposits × ceiling - advances
Figures are estimates based on the inputs given. Bank charges, regulatory minima and market rates change and differ between institutions and jurisdictions. This is not financial advice — confirm with your bank or treasury policy.
Around 70-80% for commercial banks. Above 90% usually means significant non-deposit funding.
Yes. Surplus funds sit in securities earning less than loans, which drags on margin.