Abstarct: Today, banks are looking for a way to invest their assets over time, with a lack of consideration Confidence, various bottlenecks, and committed debt earn a satisfactory level of profit. Assets and Liabilities Management is the area that answers the above question. Assets and Liabilities Management includes a set of tools and techniques that, according to the value for the shareholders and controlled, guarantees the risks. Today, the growing trend of changing world banking trends from extending balance sheet items to focusing on returns on capital and risk control has made knowledge of Assets and Liabilities Management for managers of banks to respond to profit outcomes as a necessity of conversion. To be The importance of Assets and Liabilities Management can be summarized in the fact that banks are in fact financial institutions Which should create a balance between resources and costs, or expenses and income from its activities Which can continue to save money on the market not only to preserve the value of assets, but also to increase the efficiency and effectiveness of resources and expenditures. Therefore, the use of scientific techniques with the art of financial institution managers is essential for the optimal management of resources and costs, and in The total Assets and Liabilities Management techniques that are currently used by most financial institutions in the world, Will cause the financial institution to control the internal factors and the scenario against external factors, the lowest cost against existing resources and with increased profitability, Ray Checkers are also checked. The purpose of the research is to create an optimal model for managing the balance sheet by adopting a decision to allocate the percentage of banking resources in the consumer areas of the bank. The research method is a combination of randomized programming and Markowitz optimization. Almost in reality and in the resulting model, more than 99% of the capital is used to invest, deposit and lend. In reality, from 99.37%, and in the resulting model, 80.29% of deposits were used to invest, deposit, and grant loans, which is indicative of the lack of attention of the Mehr Eghtesad Bank to the legal reserve constraints and the liquidity constraints of the bank. Our model, by parameterizing the purpose of most banks, which is likely to be profits, will generate a set of efficient risk-return decisions. The senior managers of the Mehr Eghtesad Bank only need to look at just a set of efficient decisions in order to select their optimal solution. In addition, bankers can use our model to assess economic predictions or bank policy constraints.