The profitability of banks is very poor. Loan-to-deposit ratio refers to the percentage of total bank loans to total deposits. If a bank has a lot of deposits and few loans, that is, loan-to-deposit ratio is very low, which means that its cost is high and its income is low, so its profitability is poor. Loan-to-deposit ratio is too low, indicating that the current economic policy is in a tight state, the current market is overheated and inflation is serious.