Background and Aim: The aim of this study is to identify the parameters, variables and constraints for dynamic modeling for optimal asset-debt allocation of banks. The field of the above research is to study the assets-debt management system of banks to find the optimal composition of their balance sheets. Method: This research is one of the applied researches that using the model presented in it, it is possible to obtain the amounts of assets and liabilities in accordance with the balance sheet structure of the bank in question. According to the findings of part of the research, reviewing previous research and experts' opinions, the most important influential variables are the variables related to the standard balance sheet of banks. For this purpose, the standard balance sheet of Bank A, which is one of the branches of state-owned banks in Iran, was examined at the end of fiscal year 1396. ّFindings: For this purpose, first using previous research and expert opinion with Delphi method, a multi-objective model was presented which, considering all the goals and limitations in the research, introduced new limits and goals in accordance with Iranian banking laws in the mathematical model of asset-debt management. After solving the first model, the first model was tested by lexicography. Then, the second model, while influencing an external parameter in the hands of the people and creating an allocation system by multiplying money for the bank and eliminating some variables, is designed and simulated by MATLAB software, by entering random numbers and establishing balance sheet equilibrium conditions for one year (Monte Carlo and Dynamic) and solved. Conclusion: After presenting the final model which is a dynamic model of optimal asset-debt allocation and after interpreting the results, it was found that this dynamic model, unlike previous models that were static, the ability to analyze customer behavior in complex asset-debt allocation systems. Due to the characteristics of static (non-dynamic) models, these models are not able to provide such an action.