00:00So let us examine the LDR, which helps us understand the relationship between deposits, received by the banks, and the
00:10loan instead.
00:12So percent of Visayas, the reported loan-to-deposit ratio, increased from 46.1% in 2022 to 53.8
00:21% in 2023.
00:23And it declined 53.8% and it actually declined in 2024 at 51.9% and accelerated in 2025
00:34at 53.1%.
00:37So, magkita na to grap ang deposit liabilities for the country as of March 2026.
00:48We have 22.2 trillion. And then for Central Visayas, we have 874.27 billion.
00:59That's what deposits. So magkita na kuwarta ang Central Visayas.
01:03Pero kung ang tao niyo, ang percent share anya to the country's deposit liabilities, that's around 3.94 in the
01:11first quarter of 2026.
01:13As of the last full year, in 2025, that's 4.09.
01:18Tamay lang kayo at share.
01:20But still, ang akong gusto mabawuan is that, how does the deposit liabilities being translated to becoming a loan portfolio?
01:31Now, if you look at this, from these funds of 874.26 billion, in Central Visayas, it only translated 15
01:43.53 billion for loan.
01:45So, in other words, wala na gamit for expansion ng mga kuwarta sa Central Visayas.
01:50Now, I want to give you a data for that thing.
01:54For Talisay, your total deposit liabilities na natawa pa itong mga banko for as of June 30, 2026, is 23
02:05.988 billion.
02:08That's the total loan deposit liabilities accepted by banks in Talisay as of June 30, 23.988 billion.
02:18How much is converted into loan?
02:21It's only 7.862 billion.
02:26So, binamanak ng LDR, 32.78 percent.
02:32This is either, ato siya ang pautang sa Cebu, or ato siya ang pautang sa Gawas.
02:37Pero, nandawang nato, kamayang nata ang tango, loan to deposit liabilities.
02:44In other words, ang kuwarta sa pag-expand sa mga negosyo na ng kuwarta, there is actually source of answers,
02:54but not converted into useful investment.
02:59So, it's up to you to explore with banks.
03:03I cannot recommend, whether it's finding ways, or meaningful banking, or whatever your timeline is.
03:11So, I cannot give you one bank, of course, for you to asal mo mga kutang.
03:17But, there are resources in Cebu, in Talisay, in the region, that we can maximize of.
03:57So, I cannot give you one bank, of course, for you to asal mo mga kutang.
03:58So, there we go.
03:59So, I cannot give you one bank.
04:00You
