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  "documentTitle": "UAE Banking Pulse",
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      "text": "Aggregate LDR fell to 82.1% from 86.2%, as deposits grew at a higher pace compared to loans",
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      "text": "Loan-to-Deposit ratio (%, Yearly)",
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      "text": "Total Deposits (AED bn)",
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      "text": "Total Loans and Advances (L&A) (AED bn)",
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      "text": "Aggregate L&A for banks grew by +1.7% YoY in FY'21, while deposits grew by 6.7% YoY. ENBD and DIB are the only banks that reported a decline in both L&A and deposits. CBD reported the highest increase in L&A (+17.1% YoY) and deposits (+18.6% YoY). Aggregate LDR fell to 82.1% from 86.2%, as deposits grew at a higher pace compared to loans.",
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      "text": "Banks continue to remain cautious in originating new loans despite higher liquidity",
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