The creation of money and the unequal distribution of the resources derived from it are among the defining characteristics of modern banking. In Iran's bank-oriented economy, despite the emphasis of high-level documents and overarching policies—such as the General Policies on Economic Security and the General Policies of the Five-Year Development Plans—on the necessity of reducing inequality, ensuring equitable access, and achieving economic justice, significant challenges persist, particularly in household access to banking facilities. This issue is further exacerbated by chronic inflation, which has resulted in negative real interest rates. Under conditions of sanctions, currency fluctuations, and price shocks, access to facilities derived from money creation has effectively become a form of rent-seeking. In such circumstances, the effects of the unequal distribution of resources and public dissatisfaction due to the improper allocation of policy-driven (mandated) loans—along with the growing queues for loans related to marriage, employment, childbirth, housing, and more—appear to be intensifying. Therefore, in this study, the dimensions of financial inclusion and distributive justice in the banking system were first identified and the relevant indicators developed through a literature review. Subsequently, using the Delphi technique and semi-open questionnaires distributed among 40 experts over three rounds, these indicators were refined and assessed across three dimensions: "consensus," "importance," and "priority." The results indicated that achieving an optimal level of financial inclusion, distributive justice, and their sustainable development requires policymakers to focus on elements such as "adopting appropriate monetary policies," "improving customer credit scoring," "diversifying collateral options," "enhancing banking supervision indices," and more.