There are misunderstandings about the case, including or excluding soft loan in deposit plan, so the branch network set a target of raising deposits to 22,750 MB in Jan-14. However we found that plan include soft loan about 700 MB already, that means today we have deposits over need > 1,000 MB. (as at 20/1/14 Dep&BE (23,461) + Soft loan (712) = 24,173 MB)
In projection LD Ratio policy is 90 % (loans to total deposits Soft loan) and 93 % ( loan -to-deposit + BE) , TD is the agency that assist management in monitoring liquidity management.
Liquidity management requires forecasting the loans for set deposits target from FP&A.
If the deposit exceeds demand or below the desired target require determining appropriate management strategies . Due to improper handling may cause the loss of a significant customer base of the bank and are difficult to work the deposits.
We need requires the cooperation of all involved departments. By defining each party 's obligations clear ,liquidity management processes are linked to each other. Including the timing of the performance of each team. Especially during the time for the branch network to mobilize deposits. To support the expansion of It is essential that you take the time to gradually put money in - out . Which would affect LDR to deviate from the policy level . It must be determined by the deviation of the LDR .