The calculation formula is: deposit number (yuan) times deposit period (year) equals interest number (yuan) times annual interest rate equals interest number (yuan). According to Xicai.com reporter's inquiry, the calculation method of bank loan-to-deposit ratio is to divide the deposit balance of commercial banks by the loan balance to get the loan-to-deposit ratio. The formula is: the number of deposits (yuan) times the deposit term (year) equals the number of interests (yuan) times the annual interest rate equals the number of interests (yuan).