send a text message in the name of allah, the merciful. greetings and courtesy and respect to you, dear viewers. to the news section at one o'clock in the morning. welcome, the hamsafar to paradise plan for newly married students has been resumed. according to the head of the organization representing the supreme leader in universities, this plan includes students whose marriage date was from april 1, 1401 to mehr 30, 1402. from this week, we will start sending student couples to mashhad as part of

this companionship plan. dear students who will be newly married guests of imam reza, peace be upon him, and we hope that the system will be successful from the beginning. november has been opened for registration, we have reached 10,000 couples, we hope that we will be able to provide resources and have more resources . holding an exhibition of epic-making basilisks and also unveiling the book tulips of the caspian seashore were part of the programs of this conference. this is known as the land of brotherhood. of course , they believe in the role of its women in maintaining such unity and uniformity. marjan nazqalichi, governor of shahid bandar turkmen, is one of them . their emphasis it had unity and one color

let's listen to the command of the leadership , in the first meeting of sunni women martyrs of the country, i saw women who, along with the voices of relatives, believed that if a woman wants to live forever, she should follow what zahra athar wrote on the tablet of modesty , hazrat fatemeh zahra the role models of all of us are muslims, the most important thing is to learn from shia sunnis, their modesty and chastity , and other aspects of homemaking, being a wife, being a mother. it's called doneh that ladies turkmen people wear it over their clothes , they wear it over this long veil, we call this scarf in turkmen language, this rosary is big for sisters who wear it when they go out, because it covers many parts of the body, they wear it

like a hijab. at the unveiling of the book tulips of the east caspian coast , i saw the memory of mothers and sisters who proudly said of their martyrs that they were honest , strong and steadfast. i had two children, but i was ready to have 10. god's way, the families of the martyrs are no less than the martyrs in their resistance standing up for them and standing very well in the economic discussions in the discussions that we needed resistance economy and martyr soleimani, the beautiful frame of today's ceremony, the peace that is there, i owe the blood of martyr soleimani, who is also grateful for the hard work of islamic iran , there are 7 thousand martyred women, 90 martyrs sunnis are timuri news reporter of turkmen band.

the leader of the kash 1 billion trees project said: 50 million saplings will be planted in the country this year with the aim of reducing desertification. gonabad city in khorasan-razavi province is one of the areas where special kash seedlings are produced in desert areas. station sand stabilization and desertification of goshd gonabad , an old center for the production of saplings adapted to desert areas and small plants that grow under drops of water in order to be ready for an important mission in the desert areas of our province. in gonabad city, as one of the main pilots for the production of desert species, 4 million and 14 thousand seeds of desert species have been produced and are being produced this year . it can be transported and there

is one of the plant species that is produced and propagated in this station. i like this work very much and i am very interested in doing this because i know that when the soil becomes dry and these things can be prevented, and the desert is also the cause of the expansion of the desert and the stabilization of the sand is one of the goals of planting these low water-demanding plants in the desert. . the people's plan to plant one billion trees across the country is scheduled to start from 11th of azareh in razavi khorasan province and in the desert areas of this province . the same species mentioned in this report

are produced in the shanan stabilization station and the ghozhed seedling production center in gonabad by it will be planted by the people and with the cooperation of the people in the desert areas of the province one day they will become these big shrubs and prevent the increase of the desert level of the province. my dear ma seyed ali is the voice of gnab tv news. two african white lion cubs were transferred to tehran's eram zoo. according to the director of eram zoo , with the transfer of this rare animal, the number of animal species in this collection reached 110. the foot of the rarest species of lion in africa arrived at tehran zoo. a pair of male and female is seven months old. they are the second children of a sweet couple who entered the country in 2018. these two lengths of white lions were born in may this year in kamran karaj complex. white lions their birthplace is the kruger national park in south africa.

due to recessive gene mutations that are milder in the gene that is responsible for the tyrosinase enzyme and the creation of melanin pigment in the body. these animals happened that the different color of these lions caused them to be noticed in the past to the point where their population is limited due to excessive hunting and they are considered as endangered species. the wild animals of the world are in captivity and exist, but in general they are among the animals exposed to damage and in danger. the officials of the tehran zoo said about the maintenance of white lions: the nutrition of these lions is based on european standards and they eat about five kilograms of veal and 8 chickens during the week. we were able to provide the necessary hardware technical facilities for milk maintenance as soon as possible. all the places

you see now have been made according to the standards of the country's environmental organization and european union. the length of the white milks will be exposed to the fans after the quarantine period in the coming days, saeed hajizadeh radio and zionist media reported that hamas imposed conditions to extend the ceasefire on thursday . contrary to the trend of the previous days that 10 zionist prisoners were released daily, this time hamas accepted only 8. the sixth group of freed palestinian women and children went to their homes in the west bank with the welcome of the palestinians . i have an indescribable

desire to be freed. god willing, all the prisoners will be freed . my cousins ​​are still in prison. when my eyes and hands were closed, the occupation intelligence officer interrogated me. before arriving at the prison, they beat the prisoners. god is great, god is great, god is great. from ezra, well, we have reached the end of this news section, so the next section of the news will be released.

along. what the central bank had promised and in those step-by-step works that before that we saw that the development institute was dissolved went aside today we are witnessing that the noor institute is being transferred to the national bank, the word transferred which is emphasized i think it is very important because the institution of this light will not be merged in the national bank, that is, all the assets and files and all the problems and sufferings that are going on will not be transferred to the national bank, the assets with the value is transferred to the activities that all the work you did in the noor institute

, you went to the branch to do the laundry, you did everything you did . that the banks that are in trouble, their income and expenses are not good , their balance sheets are not good , so far, their management comes and oversees them, assigns them a task, gives them a deadline, this may happen to other banks and institutions too, but well, it is a program anyway it is a long-term plan that the central bank is doing, so that these banks that we are talking about in this way are working in this way. they are going to be resolved. let's take a look at the banking network and see where this noor institution comes from. it came and how it worked and where it got to. you can see that if you take a look, these three are four cooperatives, three four are funds. i don't know it was another fund , they were all a gathering of a family, according to esmawade eskandarizadeh, how many of them, mohammad

hossein, zahra, mohammad soroush, they all came together and said that the central bank will see the next picture together, give us a license so that we can become a credit financial institution in the next picture, their license see you in 1994. my license was here . you see, in 1994, noorshami general credit institution got a license from the head of the central bank at the time of mr. saif. it started as a credit financial institution. let's see the next picture together . about 20 and there is a branch to be exact i want to tell you that the latest figure is 247 branches , there are about one and a half million accounts in bank noor, that is, one and a half million people have accounts there , about 33 of them have assets there . it happened that you had an account at noor institute, you subscribed shares

, for example, you had a contract where you did something, all this will be transferred to the national bank. a task for the employees of noor bank, for example, is possible there will be many more questions that we will get answers to in today's economy desk program. my colleagues in the bank and insurance group will prepare a report together . we will come back and start our conversation with the guests of the program. the disharmony of banks and credit institutions is a matter that continued to cause an action to be placed on the agenda of the 13th government. troubled banks that cannot be fixed. we are working on the third fast . we remove them from the monetary and banking system . a decisive approach that at the beginning with giving the six-month deadline by the central bank to the banks and credit institutions has started. it should be a problem until 6. then, with the identification of several banks and credit institutions that did not meet the promise, the determination of their duties became more serious.

the liquidation of the credit institution will be held until mehram, god willing. in the first step, the central bank dissolved the development institute and now, by merging the noor institute into the national bank of iran , it has taken the second step in line with the country's banking system reform program. integration based on which all customer deposits in this credit institution are automatically transferred to the national bank of iran in a few months. excess withdrawal means money creation, but lack of capital means money creation for banks that don't have this balance. if it can't solve its imbalance , it will definitely go to liquidation . but due to financial violations , it was canceled and finally the balance

was overdrawn from the central bank. have an overdraft for a year behind me . in general, it means that he is running with other people's money, yes, he is creating money. now, with this decision of the central bank, 2 million accounts of depositors of 250 branches and 200 employees of this credit institution one of the largest banks in the country is being transferred. the experience that happened in 2018 for more than 100 million accounts and 4000 bank branches, of course , the actions of the central bank to monitor non-performing banks will not stop there, the supervision that we will see in the coming months in the central bank with what is currently it will be different. with the promulgation of the new law of the central bank, the authority and independence of the central bank to deal with defaulting banks will be greater than before. sara fazli, radio journalist. well, we saw the report of my colleague here at the studio of mr. sedki's economic desk

the general manager of the supervision of banks and credit institutions of the central bank is present. mr. najarzadeh. and ms. fazli is in the other study of economics desk of bank group news and sedada sima news, with whom we will talk. to all the guests of the program, i would like to start with ms. fazli and ask ms. fazli what promises the central bank has made so far. he took measures to improve the situation of the banking network, which we saw in your report , and the new laws that have been proposed . in may of this year , he gave a six-month deadline to banks and credit institutions to resolve their disagreements, otherwise they will go to the decision. at the time of presenting the bill of the seventh plan to the parliament, the president emphasized the need to correct these disagreements in the banking system.

well, in this regard, the central bank took the first step to dissolve the development credit institution in this year's mahmeh to correct these conflicts in the banking system, and in the second step , it took the second step to transfer the noor credit institution to the national bank of iran. now we mediate in this program with the presence of the honorable representatives of the central bank , we will hear more about the details of these actions and the future plans of the central bank. there is also an important point that i would like to share with you . in four stages, the bank can go to deal with the bank or credit institution, and when this deal does not work, it can move towards making a decision , which according to the honorable minister of economy, mr. khandozi, this

decision can be made even without the permission of the authority. take it thank you very much for your report, mrs. fazli mr. sedki , please let us first talk about why we are not saying merger, why we are saying transfer, please let us know that in the discussion of transfer , we are transferring the deposits of noor institute to national bank, and in exchange for this deposit, a part of noor institute's assets will be transferred to the bank. melli bank will be transferred, so noor institute is included in this plan in the first step, that is, it has a legal personality, and it is not a question of claiming that it is actually liquidated and liquidated, in this case, only for the purpose of actually cleaning the balance sheet of this institution, it is a part of assets are transferred in exchange for deposits what is the noor institute doing now? the noor institute

exists in this plan . it is currently in the first phase until it goes according to the legal approvals of this institution. at the end of the line, and in fact, the legal measures regarding the liquidation and liquidation of the institution according to the legal duties that have been assigned to the central bank based on the approvals of the supreme economic coordination council of the heads of the three branches of the central bank, until then, the noor institution existed, what happened to the central bank to this it was concluded that noor institute should be transferred to melli bank and we will actually go to this situation that we are witnessing today for noor institutes. the banking system, the reform of the banking system has been discussed everywhere for years as part of the tasks of the central bank , and since 2017, the heads of the three branches have been carrying out these special tasks to organize the market, especially the money market , and to reform the banking system, to protect the rights of depositors . the issue is being pursued in the plans

that were made, in fact, priorities were identified in the disagreements and in these other disagreements, the noor institute was actually born from the liquidation of illegal institutions in the unorganized monetary market , this disagreement was in that market. there was unorganized money in this institution and therefore in order to solve this natrazi and the attempt to reform the banking system by the central bank returned health and stability to the banking network and the money market. in fact, the plan that was specifically proposed for the noor institute was to transfer this institution to a large and well-supported bank represented by the national bank. let's talk about the fact that now, for example, we are saying that their balance sheet is fine, what exactly was there in noor institute, which , for example, we may see in other institutions, maybe in some banks, that the central bank will move them to liquidate, merge or transfer them.

do any other work, the simple language is the same unbalance is actually a word that means unbalance of the debt assets of an institution or a bank and accordingly the liquidity imbalance that is created for that institution, for example , having returned one's education or one of these assets to in any case, due to the transfer from those unlicensed entities, the productive assets were not actually generating cash flow for the institution, and this discrepancy means that an institution cannot actually generate cash flow like a bank or a normal institution. have productive assets, the wheel of normal banking operations yes, so let's see from today or actually now that it is almost no longer office day, from saturday, mr. najarzadeh

, what will happen to the customers of bank noor if someone has a deposit there , for example, exactly noor institute in the name of allah rahman . greetings, sir and dear viewers from saturday, the process of transferring noor institute to national bank will be done, and naturally, the dear customers of noor institute can receive the same services in the same format from national bank by contacting the former branches of noor institute. they should do nothing nothing happens. also, all the government systems , including sadna payaya, are connected. their cards are active and there is no need to even refer to them. for example , now i had money in my account at noor bank in

noor institute. now, what happens to this money? well, this money remains in noor's account. i stayed until the terms of the transfer were met. the terms of my transfer, mr. dr. mohammadour , are a process of almost 3 months. it will happen. from saturday, we have a counter from bank mel in the branches of the noor institute, and the banking services of the national bank are also in that institution, i.e. the former branches. an institution will be provided, that is, within the next 3 months, this will be an account number they will get a new one. yes , they will get their national account number. they will get their national account number on saturday morning . now, for example, i wanted my child. at all, my money can stay in noor institute or this new national bank. can i get my money? yes, there is no problem. how much is the deposit now? yes, how much is the deposit transferred to you 33 33 thousand billion, how much are the assets , and how are the assets not yet fully transferred, well, a part of the assets that

have legal issues and various related issues are not going to be transferred to the national bank, it is decided that with the joint meetings with the central bank had assets that were completely it is under the control of noor institute and will be transferred to the national bank. long-term deposits will be transferred . they will be transferred. and now, that contract with the same conditions as that day, for example, coming to noor institute to conclude it, is now valid in melli bank and it does not make any difference, exactly, we have all the understandings between the customer and the former noor komaf institute, and we are committed to fulfilling our obligations. we are noor institute, which means that there is no difference in the discussion of noor institute's previous agreements with respected customers , and that it may seem very simple now, but for example, someone who now has noor institute's bank card. he can go to the atm and transfer money for his work , there will be no disruption to his purchases, for example, no

, there will be no disruption. for their benefit, it didn't make any difference , the same contract that closed their account, which is different. doesn't it mean that if they ask, they can take the money in the virtual private door? exactly the same as our previous routine, this point means that they should use melli bank or noor bank, noor institute, not noor institute, but the counter in noor institute is from melli bank. it is possible that he will establish these conditions in melli bank for respected customers and that after 3 months have passed, he will come to his account and get his national account number, he can come and use melli banking services. until then , internet services will be provided by noor institute, then noor institute will do it, but respected customers are free to receive their services from national bank.

because in the former branches of noor institute, the cash desk of melli bank has been active since saturday, and what will happen to the branches themselves, now sardar melli bank will be installed instead of noor or something else, based on agreements. what we did with noor central bank , starting today, the head of the noor branch will be moved to the head of the national bank, that is, we will be at the head of the national bank until saturday. what will be the form of payments and such? we are based on the agreements that have been made and the approved letter of agreement that was concluded between us, noor institute and approved by the central

bank . all the facilities have been transferred to the national bank. at noor institute, with the coordination of the national bank, what is the educational score? for example, he is in the queue to get a loan , for example, he has done all his work, but there is a part left, what happened to them, this is a very important point, because after all , these are agreements and the participation of respected customers is enough, and the products of noor institute, according to the investigations we have done, the same commitments and the same products are valid in the national bank, and god willing , when the education is due, that education will be paid by the national bank, god willing, mr. sedki, now, well , maybe now we are the national bank, the public bank, and people know them now, and how much does the central bank guarantee that all this the events of mr. najarzadeh they point out that it will happen completely and that nothing has happened to all customers

, so they don't have to worry. yes, there are two points , fortunately, all the things that have been mentioned in detail and very clearly and arranged in the meetings of the specialized committee for the reform of the banking system have actually been determined. now , don't cause any harm to the people and depositors in this field, in any case, melli is a big and well-supported bank in the state banks, and the central bank is definitely the same. the people have no worries at all, the depositors of noor , i mean they do not have any kind of concern in this field, except that as you mentioned , they will only receive banking services from saturday instead of noor national bank, that is, in terms of depositors. we will not

have any change. in the same way, melli bank is actually fulfilling its commitments according to these approvals and the guidelines mentioned , and in my opinion and predicting that there will be no problem at all, god willing, there is one point that exists. for example, in the event that we did before for example, we saw this for sepeh, where we used the word integration. now you know that there is a transfer. there were many talks about the previous general manager of the central bank, the former central bank , who said that it would cost a lot. the banking network was imposed, what happened in this field now? has this incident been repeated again, has a lot of money been imposed on the banking network due to this transfer or not , or does it help the banking network because the 13th government's emphasis is on the balance sheet and bank discipline and so on? as i said, this discussion is about the stability of the health of the banking network , and this plan

is one of the pieces of that puzzle. in fact, this is the discussion. in the end, the general interests are for the benefit of the people and the society, and it is the banking network. in this context, if we look at it from this point of view , we should look at any reform from the point of view of reform, any kind of reform and changes may have costs , in any case, the policy maker and the government are looking for these reforms with the least cost and with the least possible stressful conditions and abnormal conditions that are likely to be created with the least in these fields look for the cost for the bank network , see the cost, if the cost is actually riyal , i mentioned that anyway, any merger and any liquidation, of course, the issue of transfer is not a question of integration or liquidation for light.