Spain: LTD ratio of banking industry 2010-2023

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

Characteristic	Liquidity ratio LTD
2023	100.74%
2022	101.57%
2021	100.76%
2020	105%
2019	99%
2018	104%
2017	110%
2016	110%
2015	115%
2014	119%
2013	123%
2012	137%
2011	150%
2010	149%

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Release date

December 2023

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Region

Spain

Survey time period

2010 to 2023

Supplementary notes

Figures of 2022 and 2023 refer to the third quarter of each year.

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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