Average loan-to-deposit (LDR) ratio increased to 81.7% by end of the calendar month to Dec. 21, rising 1.5 percentage points compared to March 2021.
The ratio rose slightly by 0.4 percentage points on the preceding month and was up 0.5 percentage points compared to the same month the year before.
According to Central Bank of Iran data, the ratio for Tehran province was 93.9% and for Kohgilouyeh-Boyerahmad Province 109.4%.
LDR is used to assess a bank's liquidity by comparing the total loans to total deposits for a specific period and is expressed in percentage.
If the ratio is too high, 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.
Deposits with banks and credit institutions jumped 43.6% annually to reach 50,541.4 trillion rials ($187.2 billion) during the period.
Customers had 35,205.89 trillion rials ($130.4 billion) in deposits during the corresponding period last year.
A big portion of deposits were in banks in Tehran Province, where the capital is located. Tehran banks held 27,035 trillion rials ($102 billion) in deposits during the period or more than half the total. With almost 2,744.13 trillion rials ($10.16 billion) Isfahan Province was next.
Kohgilouyeh-Boyerahmad Province was at the bottom end of the list with 133.7 trillion rials ($495 million).
Total outstanding loans, both performing and non-performing, rose 11,465.7 trillion rials ($43 billion) to reach 37,175 trillion rials ($140 billion) up 44.6% compared with the corresponding period last year.
