W/D ratio
Withdrawals to deposits ratio
The W/D ratio is withdrawals as a share of deposits.
Formula
W/D ratio = withdrawals ÷ deposits × 100
Example
Withdrawals €320,000 on deposits €450,000: the W/D ratio is 71.1%. (invented numbers)
In IBO
A dashboard card for Payments; a sudden rise is one of the checks before closing the month.
Last reviewed 30 Oct 2026.