The loan-to-deposit ratio decreased to 66.7% in February 2021, touching an all-time low, from 67.2% in January, which is due to the adjustment on the foreign currency loan-deposit segment, to 57.4% in February from 58.6% in January, a new all-time low, per an analysis by Andrei Radulescu, macroeconomic analysis director with lender Banca Transilvania.