Niki [Organization Not Provided]'s questions to PLDT Inc (PHI) leadership • Q2 2025
Question
Niki inquired about Maya's strategy, asking if there is a target loan-to-deposit ratio for Maya Bank and whether there are any plans for further capital raising or an IPO, including a potential timeline.
Answer
Aayush Jhunjhunwala, CIO of Maya, responded that while there is no fixed target for the loan-to-deposit ratio, there is ample room for growth from its current sub-50% level. He emphasized that Maya is cash-flow generative and profitable, thus not requiring external capital. Regarding an IPO, he stated that any such strategic decisions would be made by the shareholders at the appropriate time.