Niki [Analyst]'s questions to PLDT Inc (PHI) leadership • Q2 2025
Question
Niki asked about Maya Bank's target or optimal loan-to-deposit ratio (LDR) and inquired about any plans for further capital raising or a potential IPO, including the expected timeline.
Answer
Aayush Jhunjhunwala, CIO of Maya, explained that while there is no fixed LDR target, there is ample room to grow from the current sub-50% level. On capital strategy, he stated that Maya is profitable and cash-flow generative, thus not in need of external capital. He concluded that any strategic decisions like an IPO would be made by the shareholders at the appropriate time.