Changing the ratio of that image, though, starts with the application form.

FORBES: 'The Female Factor' And Other Proven Tricks To Get Into Y-Combinator

But much of these loans are in the form of mortgages or home loans, and the bank says that the average ratio of the value of the loans to the value of underlying properties is low.

BBC: Barclays backs chancellor's spending cuts

The dividend payout ratio is simply the percent of total profits that are paid out to shareholders in the form of dividends to shareholders.

FORBES: Buy Stocks That Pay, And Can Keep Paying