[000:00:00;00] basfa news agency, the development of qarz al hasaneh banking, challenges and solutions, the topic of today's program is also the economy, but thanks and farewell to the dear viewers of channel one, we invite you to watch this conversation on khabar channel mr. shamsinejad, the ceo of qarz al hasaneh bank, mehr iran, hello, welcome greetings to you, your colleagues and dear viewers, we are at your service. i would like to congratulate you on shabaniyah and the half of shaban , the blessed birthday of imam zaman, peace be upon him, and

also on the 14th of march, the day of promoting the culture of qarz al-hasaneh and the service of mr. moradi. let's start serving you in the month of shamsi nejad farhad, you have reminded all the experts on this issue that the credit loan model is a necessary and worthy model in the banking system as it should be and maybe it has not been implemented in our country in our banking system . it is very suitable for the middle class of the society and there have been various models such as the mosque's local household funds and models of this model until the middle of the 80s when qarz al-hasaneh banks were established in the banking network. in the country

, there are a lot of loan issues al-hasna is now carrying an agent to serve you. currently, the resources of these two banks are happy to be 16% of the country's loan resources, because there are resources in other banks, but they actually have 40% of the loans in the country , of course, the amount of these loans and qarz al-hasna sources have grown well in the last 12 years, that is, if previously it was under 23% of the banking network's resources , it would have been welcomed due to inflationary and economic issues, but now with the model that qarz al-hasna banks have created , the ratio has increased. bank with annual growth of more than 70 the percentage of the highest growth of resources and in the banking network was allocated to them, of course, besides the growth of resources, the main test of spending and facilities is the loan that

is given to the people, and little by little, the issue of loan is getting closer and closer to the banking system of the upstream industry. we have that, for example, this number should have been reached by this year, but i did not see anything, but actually the hair growth and the goal of the mother of two qarz al-hasna banks is that we can have at least 10% of the total resources of the country and the qarz al-hasna museum in the first step, now the second the novel "kel bank" and science to "kel banki" but now in currently, nearly three and a half percent of the liquidity resources of the banking network are in qarz al-hasna, with the way that these two tomans who have qarz al-hasna are doing. we had nearly 75% of the resources, the facilities have grown in the area of ​​80% , now people like you are qarz al-hasna bank, now

this year, what percentage of the resources you had are qarz al-hasna bank and qarz al-hasna resources, that is, people in the deposit accounts of qarz al-hasna, and the most important impact bonus is qarz al-hasna. but last year, about 60 loans al-hasna, we have 110 meters of current loan facilities this year, more than 90 % growth, of course, the resources of the banks are due to the good intentions of all members of the society, both small people and companies, due to the resources they create, and they take loans for their own personnel. we have seen very, very good relations this year, that is, a very good development in the 13th government in the field of loan has been created, a very good attitude has been created in the central bank and the ministry of economy, and alhamdulillah and the increase of the limit of loan facilities to 200 million for real people and 500 legal million amount of resources

the bank has now reached nearly 150 meters from the 70-meter minabare, and we are lending these resources to the people again. how is the facility of qarz al-hasna in saderat bank now, for example, what percentage of the facility did you pay last year? now it is the approach of qarz al-hasna, and the discussion of the service fee has been changed, especially for the viewers, explaining the service of 14 other banks other than resalat bank, bank qarz al-hasna . mehr iran in their own projects in their product portfolio, they receive all kinds of deposits from the people and pay all kinds of facilities . in fact, the rest of the banks recognize the financial statements and pay profits to their shareholders as a result of the people

depositing the resources that are available to these banks as loan resources. resources can be allocated, and our good loan facilities, while we have tasks in the budget law, that is, people who, other than those who have an account turnover , receive facilities, other cases of loan facilities in the commercial bank, are usually only used for materials that in the budget law, it is mentioned as mandatory facilities, such as marriage facilities, childbearing facilities, relief committee facilities, relief committee and welfare organization, or similar cases, which have a grade point average and account turnover can receive these resources. and only saderat bank, the growth of the balance of qarz al-hasna bank resources has grown by 34% compared to last year, while qarz al-hasnah facilities have increased by 53% , as an example of the parent bank of saderat iran

, currently 50,500,000 tomans. qarz-ul-hasna facilities, the balance of qarz-ul-hasna facilities is an example, while the balance of qarz-ul-hasna nazm resources is only 48 thousand billion tomans, and even more than the resources of qarz-ul-hasna nizam, we have paid a thousand billion more tomans if people want to invest their own resources in deposit accounts. we see that the power of banks is decreasing for you, one of the factors that promotes the culture of qarz al-hasna 1 points in insta is defined considering that people will have the desire and tendency to open qarz al-hasna facilities so that we can more other people can i get qarz al-hasna facilities, mr. shamsinejad, for the purpose of justice , create twenty payment facilities and experts believe that

there is a sustainable economy in the social justice group of alanton. did you distribute the branches in the whole country in a balanced way or not because of the limited space of this banking system of qarz al-hasna bank mahbub ? economy minister your company implemented these two cases in qarz al-hasna bank. what did you do about the issue of justice? one of the points you said is very , very important. you can look at it somewhere blue. now , our branches have 592 people in our branches, by the way, the least number of our branches. in tehran, where 50% of the country in this province is located in this city in the decade, you will see less of our branches here , if they are private banks and other commercial banks, and the distribution of shaboon

is in the most parts of the country and less privileged places, which with the culture of qarz al-hasaneh is more voluminous than i can tell you, salman in the province we have some of the 11% liquidity of that province in the view of the yazd provincial network , who are very needy and supported due to qarz al-hasna loans, with the distribution of monroe branches in the cities and remote points of the contract that they can use. the more important point is that now the separation from the branch-oriented process is really excuse me, it will be separated tomorrow, i am talking about financial inclusion through electronic tools , and our development can be towards branching and physical mechanisms to some extent, but now we have electronic tools and online facilities for non-attendance services and non-attendance validation documents for teachers. all the people of iran have been placed. a year ago, almost 20% of account opening

was online, but now almost 70% of account opening is online, wherever there is internet, we can provide services to our dear people. currently, more than 30% of the shares are done completely without a magic box council, and financial inclusion is now such that almost 10,000 people connect to the bank every day , but in the last year, more than two and a half million members of the society hope for that person. now, for example, in a village in sistan and baluchistan let him live as much as a person sitting in tehran uses the facilities of qarzul-hosna, someone who is in the city in our deprived province , they can cause the circulation of your financial resources or the financial issues that exist in qarz-ul-hosna accounts

, he uses monro with someone who is in for example, in tehran, what is the difference between the existence of order between the resources and the division that, for example, for tehran branches, this amount is paid from the qarz al-hasna accounts, both in iran and in the cities, all equally from these qarz al-hasna facilities there, the less is the better, for example 11% of the resources before us is definitely the amount our facilities in these provinces are more than, for example, in tehran, which is below 1% of important resources in tehran . at the provincial level, people are less likely to listen to me in your bank. murad said that we provide two models of loans, concession and support in the area of ​​your happy nokia privilege, but in the provinces where the financial situation is low

, our support facilities plan is more, that is, issues such as welfare assistance committee facilities and even job creation that we pay in these provinces. much more and masha batma within the provinces with a large volume of people's referrals is finally divided in such a way that these numbers exist, whether in the area of ​​the bank using bank capacities or using bank resources, and there are cities and small towns. some banks, because i only collect that economic page in my opinion, they turned it into a fund, and that's bad, good, finally, people can give me the opportunity to use it equally without using justice and inclusion. well, mr. moradi, how are you in the

bank ? exporting this inclusion and fairness in payment how do i present the qarzul-hasna loan facility to your orders? the bank is the depositors' lawyer. the resources that are with the banks are made by a number of people who make deposits. for example, 2022 will be painful. when i become a lawyer, you remember me as a bank, but you are not. from the sources that they came across to me, it organizes and after 20% , it receives 20% interest. these are the ones that i can't come to give a loan, we must have a facility with an interest rate, loan facility or based on the government's resources. it is up to the banks give it until the task comes and if it is other than this, it must be a place where people are grouped together, ashyan, wherever the sources of qarz al-hasna are between the call to prayer and traveling, but despite this, the banks came to help and accompany the people, and another part

of the resources and the interest that is in their own accounts to the facilities of qarz al-hasna, the exclusive song of franz, i will open it in the middle of the souvenirs of hazrat ali . many experts have criticized the subject. this is where the real qarz al-hasna should be a bank. the name of the bank is qarz al-hasna. they give loans and this tradition is a good loan al-hasna is being implemented. i was criticizing the expert for the lack of growth. now, i was studying the policies of the karz al-hasna development bank. one of its criticisms was that the view of the field of karz al-hasna in the eyes of officials and policymakers should be changed. the development that you say did not happen. it is not defined, it causes the profitability of economic enterprises, the profitability of commercial banks is a part of this orange and the style that it has, and its lovers also have 47 thousand billion tomans left in saderat bank, and the loan

of hashne to mom 5. full movie taxi rabat karim , almost 18. one thousand billion tomans with 60% an increase compared to last year, we only have marriage facilities, which if you look at 116 thousand billion tomans in the entire network of ansar bank, marriage loans have been paid to nearly 840 thousand people. banks can be sure that if the duty is not due , the employees of the banks themselves are the managers of the community bank. they want to be at the service of the general public, and menada banking corporation is an example, and god willing , we will soon unveil in saderat bank that all pensioners of the country who receive their salaries from saderat bank, for example, up to 500 15 million tomans is a credit limit so that i can buy a store until nowruz and eid al-fitr, god willing, it will be a thousand billion tomans, without 01

, without commission, without interest, completely in the same way that i wanted in the process of euthanasia. today mr. minister announced that i wanted to serve him. this discussion of the loan facility fee is currently for this person, if a person takes the loan facility , this four percent of the loan balance fee will be awarded every year, or the three-year education will be replaced , this loan will be completed three times and the balance of the loan facility of ansar first bank will be four million. tomans if 100 million toman, the second year of february, 24% will be allocated to the balance of the second and third year facilities based on the resolution of the central bank's jurisprudence council, and god willing, with the announcement of the central bank's board of directors, from the beginning of next year , it will have the seal of iran and authenticity, and if

which is expedient in other banks and individuals, it is a one-time sweat, for one time it costs four percent, that four percent is paid as a service fee, and this is not added to the balance of each year, and the effective rate of this fee is actually 8 out of 78 the percentage decreases for the needy people of the needy society receiving the qarz al-hasna facility, this is good news that the amount that is received after passing has significantly reduced, and that was that they said, for example, 4% , but it is calculated to be 8% . who do not have financial resources themselves, in the banks of qarz al-hasna, there is a contract that says how you have people's money , you have to pay loan facilities to your employees. this criticism

has been seen and brought up once. your own employee qarz al-hasnah organization explains that firstly, if we consider it as a whole, you mean the entire banking network, the inference of the banking network , the commercial bank's atm, and the decision-making of qarz al-hasnah bank, which is different from the equity of qarz al-hasnah, that is, we have a series of problems in qarz al-hasnah, mehr iran. there are ten state-owned banks, it is for the capital and the annual profit that the bank makes, a balance in front of his mother by paying loan facilities to our own employees in qarz al-hasna bank, not from the people's deposits , from the shareholders' rights, the bank's shareholders, so

the people's resources roma facilities to our colleagues we give the first point, the second point, qarz al-hasna facility is paid, now it is forbidden in the bank, summon the maria network to form a committee for islam , you will inform all colleagues about the case that exists in the banking network and there is no difference between the employees of qarz al-hasna bank and the network. we don't have a bank, there is an ambiguity in the public mind, so it is not from the people's resources . mohammadreza, it is not necessary to raise higher banners with high meditation. it is time for these uncertainties to be resolved . bank employees are currently receiving loan advances and facilities from the ceiling. 10 to 18 23% of the facilities are available to the general public and the employees of the banks enjoy the same amount of these facilities, and in no way will the resources of qarz al-hasna even one rial shabab , the facilities of the bank employees be simplified

. employment, the law of the ceiling was taken into account, the education lasso of bank employees, a person who is a simple employee of the hour branch and bank ceos , i can not exceed one number, who updates this number every year , if he wants to be with a bank employee, if he has traveled and without a withdrawal ceiling. to the employee the bank is not able to receive facilities and this is not true for the sake of all the people . it is not true that this transparency should be created. it is very good . let's continue. now, qarz al-hasneh bank, i want the level of transparency of the operation. how much is the glass room formed or not? it is clear now. who did you pay attention to, how much did you pay attention to, how much did you give, and how was it successful? how was the information about our financial statements and the recipients of mamasite's financial statements published on the website? this year, for the first time

, we did a six-monthly audit of the six-monthly report of the deceased. became a certified auditor organization of stock exchange organization, auditing organization, certified auditor , we announce its report in written form and regularly . it is not possible for you to agree that the most researchers in the banking network belonging to qarz al-hasneh bank of iran have a mehr with less than half, and i would like to tell you that their fee is 5% average with figures higher than 50 but the lowest limit and with a

large number of facilities. last year, our total was 2,600,000 this year, we will reach nearly three million loan facilities, which is really a lot of numbers, and this is a sign of the trust and good faith of the dear people in the field of loan , they have a lot of trust , they will repay the loan installments on time and on time. they do it, so there is transparency and the regulatory bodies are completely on the issues of complete facilitation in saderat bank. i want to use it in commercial banks . simplicity is not enough, and the positive thing that happened in the budget law this year and before was also given to the minister of economy, all the banks were obliged to names the central bank issued this happened, but as expected, when the bank sat in the glass room, this public supervision did not happen . the people, as a special brand

, called the banks to account for these bad financial statements. he should hold the judicial system accountable for what happened to the facility that was granted, why it did not return after all these years, what happened is another example of people expecting that we only have a monitoring system, disney's own monitoring of this facility rate in our country is 23% and density ratio it is much higher than them and there are limited resources to grant facilities to the honey producer. it is possible that people who, as you say , will receive access to reciting the qur'an . as a public demand, the government should follow up on the fact that this facility has been paid, where this facility has been used

, this facility should be done after the respectable judicial system that the people monitor the demand, but better than the one before which the supervisory system and supervision of the central bank should be done. let's see what happened, it happened clarification has been done, we expect that, god willing, i hope that before it starts and there is a positive trend, these cases will be prevented . whoever returns more resources will be at my disposal . the radar will be on the effects of the general public, including the correctness of shamsi. small businesses can help, and finally, the discussion of employment in this field of loan distribution, whether these effects were targeted to help you towards those small businesses, or even the knowledge-based field, and one of the measures that this year, in cooperation with the honorable government and the bank center was made to qarz al-hosna facility the law was implemented for the first time in the banking network and at least in qarz al-hasna bank, now its title

was around 500 tomans, but inshallah it will increase well next year . we will help you to prosper and produce home businesses. more than a knowledge-based company, and throughout the country financing of the working capital of qarz al-hasna karim, which is currently being carried out. which we did and loan and loan and in terms of goods, i work with the nearest receiver of goods in the whole country, the contract that you concluded, we sell their products in the form of loans for 6 months, one year to 18 years, so part of our loans

are to help the sales of our domestic products. in this regard, we are one of the banks we unveiled a new platform called kivan krono today in the presence of the honorable minister of economy and finance affairs, that from now on, businesses and people's lives will be taught to buy travel insurance and other products on this platform . that we have the number of customers and we have a very diverse ecosystem. we think that there are very good measures to promote the production and sales of the products of knowledge-based companies and their financing. these are the ecosystems that we unveiled today. the first step is to contact their development. the non-present identity business of saderat bank, how does the employment of small businesses and scholars face the damage that many people who have access to resources, when they feel it, the possibility of getting past haft khan rostam

, the difficulties that exist in the banking network they do not have to bring a guarantor, for example the conditions of validation that must happen are therefore concentrated in sadaret bank for this issue, so that we can facilitate the receipt of facilities by the people. what is electronic for the first time in the banking network of the country, as soon as we have unveiled the complete electronic part as a technolo that is available to banks like qarz al-hasneh mehr bank and the rest of them that guarantee the facilities of the taxi driver in a completely electronic and non-personal way. people's discretion the second thing that exists is that we went and checked the property and assets that people have, and from this as assets that are not used, for example, the shares of a company in the stock market

, we came to define the system that these people can do it completely electronically without going to a center to refer to samsung saderat smart bank branches, or even if iran life insurance covers all of iran and we validate all the banks in the country, we have announced that wherever the payment network has a high-quality electronic payment credit. we we guarantee the credibility of these people, and if the device that runs cellulite money in saderat bank, god willing, will help, you can only guarantee it in mr. shamsinejad's cool network for 30 seconds. we don't have our culture. and it helps a lot to support this always in qarz al-hasna bank, we have many of these home funds , and we have doubled the capacity of these, and the facilities and privileges of qarz al-hasna, this means, in addition to having home funds and facilities from our own resources.

we pay with crown circulation of financial resources in front of us they have, but the capacity of the qarz al-hasna website will increase them. god willing, we will be able to increase the lending capacity of household funds in a completely non-personal way. the point that remains at the end of your service , because today was the opening of qarz al-hasna bonds for the first time in the country, after many approvals. the jurisprudence committee of the stock market and having it in relation to al-kharz al-hashana, but today we were able to publish bonds in the stock market, the conditions are similar to depositing in the bank and the conditions of the facilities that they get from these people and organizations are very, very good. god willing, with new tools in the field of al-kharz al-hashana, inside the microwave. and shamsi nejad the ceo of qarz al-hasaneh mehr iran bank, mr. moradi also reached the board of saderat bank. we hope that economic investors will finally strengthen the work and culture of qarz al-hasaneh, in fact, the opposite of non-productive profits and speculation, and we

will see a good culture of qarz al-hasaneh in the country. thank you for your cooperation. in the name of allah, the most merciful, the most merciful, hello and good morning, dear and respected viewers , i am sudabah and i am at your service, gentlemen, with an analysis of the capital market in the form of stock market news. to