Data Show LDR Inconsistencies Among Banks, Across Provinces

Economy Ministry data show banks have been far from upholding the business ethic of equality in their lending practices.  
Data published by the ministry news portal, shada.ir, indicate  loan-to-deposit ratio (LDR) of specialized lenders owned by the government was the highest and private banks  underperformed in accepting requests for loans.
The ratio is used to assess a bank's liquidity by comparing total loans to total deposits for a specific period and is expressed in percentage.
High LDRs mean that the bank may not have enough liquidity to cover unforeseen fund requirements. Conversely, if the ratio is too low, the bank may not be earning as much as it should be.
Accordingly, the ratio of specialized state banks was 126% on average until July 22. Semi-private commercial banks followed at 86% while the LDR of state-run commercial banks was 79%.