Loan to Deposit Ratio (LDR)

Loan to Deposit Ratio (LDR) : Are you sure that the money you havve saving in bank safety at all? how about the Loan to Deposit Ratio in that bank? the average of Loan to Deposit Ratio now is on 60 % from all of clients' funds that was channeled into real sectors like into public, Certain Institutions, Employers etc.

Additional it all with a guaranteed form of fixed or movable goods the illiquid (not easily liquidated) and the risk of breakdown (NPL) is high?

And last, the residual of clients funds (40 %) invested into many sectors like :
1. Bank Sertificate
2. Foreign Exchange (money market) or the stock market (stock market) with a high degree of speculation.
3. Save the money in foreign bank in overseas