rate in 2022 0.746 The bank used a large portion of its cash to advance.This is good because it generates gains, but it requires caution to avoid reducing liquidity( ready cash).BBK BankMaintained a stable and harmonious rate( around 0.74).This means it has a clear and harmonious lending policy.Reflects stability and confidence in the request.In terms of stability and balance, BBK is superior, maintaining a consistent ratio that indicates minimal fluctuations.Regarding reduced risk and high liquidity, NBB excels by lowering its loan ratio and enhancing financial security.So which is better?