Investor Presentaiton
BANKS HAVE AMPLE LIQUIDITY RESERVES AND HIGH CAPITALIZATION
Banking sector is largely funded by domestic deposits; ample capital buffers provide good shock absorption capacity
110%
100%
90%
80%
70%
60%
Domestic loan-to-deposit ratio
Average Liquidity Coverage Ratio
stands at 244%
50%
2018
2019
2020
2021
2022
2023
27
Source: Latvijas Banka
30%
25%
20%
15%
73.6%
10%
5%
0%
2019
Total capital ratio
2020
2021
-Latvia (COREP)
2022
2023
Latvia
21.6%
19.8%
EU/European Economic Area (EBA*)
* Data for European Union (EU)/European Economic Area (EEA) are European Banking Authority (EBA) sample of
largest institutions, for Latvia COREP data of active institutions are used
Source: Latvijas Banka, European Banking Authority (EBA) Risk Dashboard 2023 Q1View entire presentation