Very important points about banks

Very important points: During the Ninth and Tenth Governments, banks were banned from buying property and entering the housing market during a decree; Especially after this incident, the banks quietly and widely entered the circle of holding and through it began to buy economic sectors and companies and factories. Powerfully centralize banks solely on the basis of banking and monetary policy. Also, by explaining the clear horizon in playing the role of correspondence-transaction and intermediation in the entry of foreign investments and new missions of cryptocurrencies under the supervision of the Central Bank, be inclined and committed, the basis of participation and participation in economic activities by banks, whether public or private The decisive form must be stopped; As nowhere in the world is there such an economic model for the business missions of banks. In addition, this mission of banks in creating wealth with the model of attracting public liquidity in the bank in exchange for bank interest (which is definitely considered a spark of usury) and providing large loans to a small number of individuals, which ultimately leads to the destructive result of inflation. It has become heavy and ultimately costly for the people and has led to the growing impoverishment of the people and instead the creation of wealth for the banks and a small number of the people. Overdue loans owed from large borrowers (actually returning people’s money to the bank) and all companies and banks’ economic holdings in the economic prosperity cycle to the private sector by properly assessing their facilities and value, the method was proposed. And the banks are obliged to play a role in providing facilities and assistance in the boom cycle of the economic revolution. Also, the banks, according to their experiences and position under the supervision of the Central Bank and under the banner of changes in the path of economic revolution, while entering the path of great foreign investment opportunities and production boom, which is the result of a new strategic partnership program with China and attract foreign investment. Be given, and be obliged to establish a position in the formation of activities with specialized missions, and instead of only the retail banking mission, which is part of this mission and activity is currently performed by all Iranian banks; Begin to form missions and activities in the form of Corporate banking, Commercial banking, Community development banking, Investment banking, Industrial banking, Private equity banking, Import Export banking, Specialized banking to gain suitable opportunities to enter a new field with a horizon The brilliant economic development program of the country should be developed in an advanced and graceful way. Subsequently, the banking bureaucracy facilitation program to fulfill new missions and services in the economic mobilization chain will be on the agenda, as well as network monitoring programs to monitor the quarterly reports of banks on activities, especially facilities and evaluation of bank performance. About large loans and posting these reports on the banks’ websites to inform the public about the proper progress in the path of missions and transparency and confidence building. – Regarding banks and their new job descriptions from several perspectives in parallel, the necessary measures should be taken under the instructions of the government 1400. – Like state-owned, private and extra-government companies, banks’ financial reports should be reviewed quickly in the form of balance sheets and the necessary corrections should be made in a completely transparent manner to determine their status. Also, after receiving corrective and transparent reports, the banks’ review should be re-evaluated in the following 6 steps: Their capital adequacy ratio Capital adequacy The quality of their assets Asset quality Competence to manage them Management qualifications Their profitability Earning Available liquidity Liquidity Their sensitivity to market risk Sensitivity to market