Midnight is at 23. Thank you very much for your attention and companionship. We will go to the meiz ekhetaz studio together with my colleagues in this group. We are with you. We are with you. Thank you very much, mrs. Khalji. Greetings and respect. To all good viewers of the meiz ekhetaz program, in the continuation of special programs that we are going to review the seventh program. Today we want to review the banking issues. Our time on channel 1 is over. I invite all viewers to follow us on khabar channel. Thank you and thank you. Well, you are with the economy desk. Today in the Islamic Council of companies, the institutions of Financial Institutions affiliated to punks were banned from buying shares of banks or Credit Institutions of their choice during the review of the program they are reviewing. This has happened on different days, we want to talk about the banking situation, what happened today, on macro education , i would like to see in your presence the imbalance of the banks, what exactly happened, but you may have this question, what is the relationship between the imbalance of the banks and the macro education for example, you who are now you you are sitting in your shop and you are looking at the economy table. You are sitting at your home and you are looking at the economy table. By the way, it is very related to you and your table. What can i say . A few years ago , there was a tv series called kat jadoo, mr. Behdad farhani played it. He was the builder of the tower, and i am sorry for your presence in his pocket, money will come in the same way. Imagine that when you wake up tomorrow, you will say that you have a bank , what will you do . For example, where should i buy in tehran, go to the center i want to buy tehran, you say no, i have a bank, i will go to the north of tehran, i will buy a loan from my bank, i will build the house for several times the price in a year or two , i will sell it, and i will make a profit without having to put any effort into it. You have become the owner of a property. Which is several times the price with the inflation that exists and you , as the one who creates this process, are a partner in this , you can benefit from it. This is what has happened in the countrys Banking System in the past few years , there are banks that they give very heavy loans to their own companies to the companies under their group the companies spent their money building properties, building houses and making huge profits without doing anything special, but what harm has it done to me and the people . Naturally, we have discussed a lot here. He didnt invest as much as he didnt, he didnt have money, he created money, i ask you how he created my money , he overdrawn from the central bank , what happened, what happened, our liquidity increased , we talked a lot, when liquidity increased, so did inflation. Has increased he came there he pretended, now go tell him why you did this , he says that i created jobs in the west of tehran, for example, i improved soandso, so did the rest of them, but exactly what answer do the experts have for this issue . Millions of people who exist and in this way you were able to make their table smaller by creating inflation, now the central bank and the parliament have plans in the seventh program and they say that they want to prevent this from happening, if you remember, mr. Farzin. The head of the central bank came and said that mr in these imbalanced banks that exist , we have a very important plan to lend to themselves. Dont do this again. How long was the opportunity until shahrivar . It was shahrivar when the certificate was completed. There is still no news about this. What will happen today in the economy desk, the head of the central bank, which is important to our plan, asked which of the banks that did this were dissolved. Be or do Something Else lets take a look and see what the statistics tell us , how much these banks lend, how they lend, and how much they lend to themselves. If the picture is the first picture, if we can see it together, well, you see, of the many banks we have, this is the position, well , give me a lot from pasargad, industry , trade, future, and new economy. This number has increased, and these are for over 2500 thousand tomans. Lending billions of tomans until the end of iran , venezuela, and the development of cooperatives and postbank, so we naturally conclude that the number of educations is a large number. Please see the next picture together. In the next picture, you can see that this is the same discussion that i told you about their own companies, how much to lend to their subsidiary companies, their future leader has loaned 11 thousand billion tomans to his own companies, and there is also refah bank, which has 66 loans to himself. The data of shahr mellat and the rest of the banks are also there. This statistic is a good thing that happened. In parenthesis, i would like to tell you that this study has been published for a year or two. At least we know how much these banks lend to themselves. This process has slowed down a bit it is not regular that we will also ask, so you should know that the latest statistics that have come show us this. Lets look at the next picture together and see what happens. There is a relationship between these banks, it is a scientific and practical thing. A ratio in the name of capital adequacy to see how much they can cover the risks. How much do they have to study . Do they have to study or not . The average is the idea in the world of 12. My ideal goal is that we will be 8. However, you can see how our situation is from here. Lets take zero here. Which here is the capital banks zero in the future of iran, from the land to the city, you will see that from 100 to minus 40, their capital adequacy means that basically you should not take loans at all, you should take them up to this point, this will come to the middle, for example, industry, mining and development will pay for this capital adequacy, for example, it will be zero and 1 , where is our ideal . For example, from housing to the next 6 months of 1401, from housing to this week , we have to reach this last table that we have here, the entrepreneur of sadar development, who is above 20, 30, this is the idea that must happen until we reach here. Banks whose capital adequacy is not in a good condition, a decision should be made whatever decision is made for them now, and the central bank will announce it, the rest of us should go to this ideal situation. A report that my colleagues in the banking and Insurance Group will broadcast. The context of creating transparency in the Banking System, the issue that took the first order of the open floor of the parliament on the 8th of the month, was any ability to pay, according to todays meeting, any ability to pay large banking fines, including preferential financing for private shareholders and other related parties of banks and institutions. Noncommercial credit and also, the failure to rehabilitate macrobanking education was considered part of the law to punish those who disrupt the countrys Economic System. The loans of many banks, especially private banks, are sometimes given to companies and institutions that are affiliated with the banks themselves. The increase in supervision of the central bank in the Banking System was another topic discussed in this meeting, and in the end, the central bank is obliged to supervise. Foreign banks and Credit Institutions and branches of foreign banks inside the country were closed individually and in accordance with the operating instructions approved by the money and Credit Council and the banking group. The state of our Banking System over the years recently, according to the field reports that have been adopted, it indicates an inappropriate situation in terms of the way of thinking that should be applied by the central bank. A bank, dozens and some of our banks have hundreds of companies, all of which are practically financed by the banks capital and with people are working. Also, in this meeting , there were clauses that were not approved by the peoples representatives, such as increasing the capital of banks from a part of the taxes of stateowned banks and their dividends, which was opposed by the government. A significant part of the annual Budget Resources comes from dividends and bank taxes of stateowned banks. This ruling thats mean. An increase in the governments budget deficit means dissatisfaction. Also, one of the important approvals of the Parliament Today ends with how to hold shares in banks. According to this paragraph, companies, institutions and Financial Institutions affiliated with banks and other Credit Institutions are not allowed to directly or indirectly buy the shares or Credit Institutions of others. Sara fazli, sed and sima news reporter. Well, colleagues report. Let me tell you one more thing. We reviewed the reports that i have just presented to you. There is no new information from it, or for example, in one case that i mentioned, for example, future bank and refah bank. I gave an example, for example, refah bank. I had and the number has changed, lets have this today in the amaz economy program, mr. Pour ebrahim, the head of the Economic Commission of the islamic shura majlis, we are at your service. From the islamic shura majlis, mr. Abbaspour, an Economic Expert , is present in the studio of our program. Credit institutions of the central bank will be added to jamoon via the internet or by phone. Also, greetings to all the guests of the program , let me start with mr. Pour ebrahimi and lets go to mr. Pour ebrahims parliament. What exactly happened today . A very short summary, if you please tell me what decisions were made during the review of the seventh program, from now on for the banks, thank you. In order to strengthen the Central Banks supervisory power over the countrys Banking Network, which has been one of the main challenges of the past year, decrees were passed that can help to increase this supervisory position, which is based on the proper functioning of the Banking System and a procedure that can solve peoples problems. Be responsive to peoples needs the central bank should act within the framework of legal regulations. One of the issues raised in this context today was that we can strengthen the flow of loan banks in the country, which is a special need of the people. The central bank was obliged to facilitate the issuance of licenses. As well as the activities and planning that are carried out in the field of qarz alhasna banks, taking the necessary measures was one of the important axes of todays approvals of our parliament. The next topic of discussion, which is very important , is related to the arrangement of the Banking System. There is the creation of special systems in the field of images you are going to be the central bank of muqlefa is based on creation. The establishment of a centralized Information System for the transmission of a single identifier , which will be the basis for the provision of education in the country, that is, from the beginning of the 7th plan , it will be possible to develop the issue of providing education only and only through the Banking System through the single method provided by the applicant. And this will actually help ashraf Banking System, the topic of validation will be special here. The discussion of issues related to large studies and the same, issues related to collusion that we sometimes have in the records in the field as we remember, the activities of the Banking System were included in jamrah, in other words, as disruptions in the countrys Economic System. In other words, the approval of the approach of paying for education to the people in the credit in the current account, which was one of the proposals of the Economic Commission of the majlis, was approved in the year 2015. From now on, the central bank, based on this ruling, is obliged in the form of credit for those who receive salaries from the payment approach. The pensioners who are entitled in the field of the Banking System, as well as the pensioners or those who for any reason have resources on a continuous basis in the form of credit in the current account, are transferred to the ratio. To that group, supervise the activities of the Banking System in different sectors, like the subject of the corporate discussion that you mentioned in the report , and it was mentioned that their companies , the group affiliated with them, will no longer have the right to the shares of the company. Regarding the shares of the Banking System, therefore, except for those companies that have fund licenses from the Capital Market or have other special licenses, all those actions are prohibited in the development and naturally the path will be different. Helping with the relationship between the amount of deposit and education in different provinces the country is defined based on an index by the central bank, we are now witnessing that in some provinces , due to the issues and problems they have, this relationship has become completely the opposite, or the relationship is completely messed up. Helping deprived areas and less privileged provinces , a logical relationship between deposits and transfers based on the indicators determined by the central bank, god willing, it can be established. What we have is that our banks have a dutybased approach and privatization is not categorized based on the ruling that was approved today in sanni, the implementation of the seventh Development Plan is supposed to begin, of course, these words that i am speaking, the stages of which should be announced in the form of law after the approval of the honorable guardian council, the central bank is obliged to approach the activities of the system. It does banking in different areas in a separate way. One of the issues that i have mentioned is the organization of qarz alhasna banks that should be addressed. The next topic of discussion is commercial banks. The Development Banks are for the first time in the country of the Development Banks to create the capacities that we can from the place sources other than peoples deposits, to follow the path of development in the countrys economy became part of the task that the central bank is obliged to follow up on. The first chapter of the authority of the central bank to monitor and increase its capacity regarding the issue of the countrys Banking Network. In nizamban field, this means this that we need to create a new central bank system, or the previous system is not working well, tell me this and that you mentioned one of the equations regarding these big educations, that you are saying that now it is going to be a crime, what exactly will happen if the relationship you mentioned you mentioned and this is the case. Yes, regarding samats system, just as you said, this requirement has been implemented in the 7th plan, that if someone acts outside of this set of the system , while now he is acting outside of the set, this issue has been criminalized, so action is taken. Obtaining corrections only through this system and a single identification is possible, so this has become mandatory and crimes have been considered for it. The second issue that you raised in connection with your second point, if you could remind me about the collusion that we said, clearly what do you mean by collusion . Karans conflicts in the issue of Economic Issues are crimes that disrupt the countrys Economic System , which is the most stringent, in other words, economic crimes. There is one not to return in a situation that one there have been many cases of collusion in the country, where we have seen a group leave without a technical and economic justification report, without collateral or even other methods, in excess of their own needs, and the like, in the form of a loan with a bank. In other words, if in the future we bring a ruling in the seventh program that if this action happens, if it is prosecuted by the judicial system , it is a crime, it is better than the crime of disrupting the countrys Economic System. Regarding the central bank in the seventh program, well there have been many systems for a conspiracy. Now i am referring to this collusion that mr. Pour ebrahimi has. What do you think should happen in this process . In the name of allah, the merciful, the most merciful. In the field of education, what is important is that the central bank and the legislative and supervisory body can have an aristocracy on the Balance Sheet of the banks and how to allocate their education in such a way that the assets on the right side of the Balance Sheet of the banks in the form of facilities that are being allocated and now the bonds and investments they have should be in such a way that, firstly , they can be repaid within the specified contract period, that this capacity exists in the Banking Network and continues, and secondly, it goes to sectors that are needed by the economy. The production priorities are in the country, therefore, all the directions and direction of the regulatory rules of the systems and mechanisms that are supposed to be based on the supervision of Bank Reconciliations should be continuously updated and published with these two goals. I think the last one should be for june. It is true that this incident has not happened yet. You will give more details. Yes according to article 16 of note 100 of the budget law , the central bank is required to publish the information on the large collections and related parties of the banks no later than three days after the end of 3 working weeks of each quarter. The information up to june 31, 1402 has been published by more than 25 banks and Credit Institutions , and the central bank has given access to those people on its portal, but there are about five or six banks that have not yet published their information up to june 31. And this information has not been publicly available to the public. Now, from this question , i wanted to know that it was published last year. I wanted to see how much i appreciate your presence, the statistics that were published, how much you dealt with them , how much was done according to what should have been done and the tuitions that should have been paid, exactly if we want to ask what happened, see a few points. It can be raised regarding the largescale studies and related persons published by the central bank, the first point and discussion that can be raised is that we should see how much these largescale studies that the banks have published on a quarterly basis with it. The data that is in the hands of the central bank in the main and general ledgers and those data that in the financial statements, he supervises it with work and bank accounts, and it is consistent with each other. It has been observed that this information related to the big issues that is published, for example, leading to shahr river 1401 , does not match with the information of the same bank leading to shahr river 1401. This is the first case. The issue that needs to be addressed is that the central bank should have a framework for this issue and a standard and standardization should be made in this information presentation. Related parties of banks can pay according to their Share Capital i would like to offer you some risk to bear the cost of education and to pay a large amount of education to a person or a group of companies that are taking loans from the bank or to their related persons. Well, according to the Information Published last year and this year from we have seen that a series of banks have raised more than the legal ratio and caution, and the central bank has promised that according to the laws of banking regulations, including article 44 of the banking monetary law and related laws, to the Development Program with banks and Credit Institutions the violator should be dealt with, but a detailed written and public report of what was done with the delinquent banks in the payment of tuitions and nonperforming banks is not yet available, and so far as we can almost say, according to the statistics that you also mentioned, it is very regular and complete. It has not been published either. Yes, the information related to largescale educations and united individuals related to june 1402 was published from july to september, that is, they gradually published their information over the course of 3 months, and still a few banks and Credit Institutions have their information completely on the portal. I did not load the central bank, so allow me lets ask the same question to mr. Atwan, the director of supervision of banks and Credit Institutions of the central bank, mr. Atwan. Hello, please tell me that the statistics you are referring to have not been published in the macro details. Please tell me when these statistics will be completed and published. I would like to explain to your excellency, dear viewers, dear guests of the program, of course, just like the dear guest of the program , according to the law, the central bank has made many followups to receive information from banks, review them for publication, and a few banks have now published their information. Not the same saying that, it is mainly because of the investigations that have been done here and it is necessary to revise the information that has been submitted , when will this happen, when will it be completed and published, god willing, soon there are only a few banks left their information will be published soon. It means a date without any hassle. If you can tell us, well, after all , it depends on the investigations that need to be done. The law of those banks that are introduced to the Islamic Council but what about the statistics of shahrivar until the end of the city . They have until some time after shahrivar to send this information. After sending it, my colleagues here check all the information in different banks. The city where you tell us the latest news about mr. Farzhan. It was supposed to be assigned by september for a number of banks in conflict , please tell me how many banks are there, which banks and what decisions have been made for them. The imbalance that happened was caused by the Balance Sheet, it was caused by the income , expenses or our liquidity, mr. Atuns group, before we go to the details , where are the reasons, it was supposed that by the end of september, a number of banks will either be liquidated or Something Else will happen to them, this is what happened. For which banks it has fallen and if so, please tell me their names. Allow me to give this explanation to you. Please excuse me because our time is limited. The board of trustees was assigned by the central bank has held their meetings and the assignments have been finalized, or on normal days, if there is success, the remaining assemblies will also be held and the assignment has been finalized because the approvals have been taken. When there are three institutions, what will happen . God willing, determining the final task, determining their task, means they will be dissolved, merged. Yes, you should allow this to be finalized in the legal authorities, and in fact, the matter is finalized so that i can serve you. Well, for the institutions, that means it has not been finalized for the banks, what about some banks, the Credit Institutions that we reduced now please tell me the banks. Yes, well, it is possible that there are some Credit Institutions that are not actually included in that category. These are some banks , Credit Institutions that are out of balance with us but can be revived and reconstructed. These are recognized as reconstruction programs that are almost a specific axis with a known schedule within 2 years of their reconstruction plan has been communicated to them. How many banks are these institutions that you say are seven or 8 banks that are Credit Institutions that left for the twoyear anniversary of these 7 to 8 banks . Can you name them . There is no need to take it, because i am happy to solve this problem with your presence it doesnt solve the problem. The important thing is that you give them two years to determine the task. Is that right . No, we announced the axes of the reconstruction. I told them that their axes are different, and each axis has a schedule. How well do you do these axes , or is it correct . For two years now , yes, there are actually some banks that are in they are the first category that in the stage of actually determining the final task, of course, the three that you said in your first order were needed. How difficult was your answer, mr. Atwan . Do you want to tell us that two banks are liquidated . No, i said that it does not solve the problem. Are we more focused on solving the problem than on being or the four that determine the final task . To the institute, thank you very much, mr. Atwan, to all the guests of the program who appeared in the program, and to all the good viewers. God bless you in the name of allah, the most merciful, the most merciful. Greetings, dear viewer welcome to stock news at 15 30 tehran time. The head of the Stock Exchange organization announced the joint plans of this organization and the judiciary to reduce crimes in the Capital Market. Mr. Eshghi said crimes and misuse of trading codes of natural persons will be reduced with the cooperation of the Stock Exchange organization and the judiciary. According to mr. Eshghi, some