LDR Declines in H1

The loans to deposit ratio (LDR) declined for six months to September 22. It was 81.4% at the end of H1, which was 1.8 percentage points lower than the beginning of the fiscal year in March at 83.2%, the Central Bank of Iran reported Monday. 
The ratio also was 0.4 percentage points lower from the same period of last year.
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.