Q.4058 The following is an excerpt from Bright Bank’s Deposit Tracker from the End of the year 2018 to July 2019.

Deposit tracker	Month-end actuals 31/12/2018	Month-end actuals 31/01/2019	Month-end Forecasts 31/05/2019	Month-end Forecasts 30/06/2019
Total customer deposits	612,152	423,804	651,112	599,774
Total customer loans	547,478	373,381	520,829	480,122

Calculate the bank’s loan-to-deposit ratio as at 31/12/2018