or municipal public banks or national banking legislation that supports small banks and public banks. for the rest of us. in fact. right here in boston, there's an excellent public banking organization called public banking that has very legislation. now, before the house and senate, the massachusetts house and senate. now, clearly, as you might guess, the club busters are not fighting on a level playing field with the bankers club, but they have one victories and remain much in the game. a major goal i had in writing this book was to convey in language how our financial system works where. the skeletons are buried so that more people feel empowered to join the club. busters and create a financial system that works better for the rest of us. so that's my intro. so that was that was great. thank you. it really excellent overview. and one of the things i think you begin to see here is how original this argument is. while there are certainly people who have written against the financial sector, the books a ability to put together, you know, in a way the socio ology or the political econ

and banks. that's why we are committed to continue to strengthen our supervision. also it stands for the roundtable for economic access to change. the project brings together leaders of banking, civil rights, community advocacy business and technology to identify and reduce the key barriers to the inclusion for underserved minority communities. it's a unique program with enormous potential. on the project reach focus areas tens of millions of consumers in america are unable to access credit because they lack the credit file and do not have a score. many of the so-called pay their rent and utility bills on time and are otherwise creditworthy and it helps get them onto the first round of the economic ladder. the project reached several national banks and to use alternative data primarily from the accounts to qualify consumers for pristine credit cards. october 31, 2023, over 110,000 accounts were established under this pilot. they've been monitoring key performances to track customer's credit prog

bank. they kind for the reduction and smaller banks or lenders with $10 million or less increased their branches by 1.1%. even online banking functionality has proliferated but people find it useful to talk to a real person and i think we all intuitively know this. dealing with complex transactions, dealing with cash, the list goes on and on. i asked people, you do not just text your parents, you call them, you visit them. there are things you do to maintain a relationship and i think if we look in 2019, 80 3% of households with a bank did visit a branch. it is a myth that everyone is solely digital and of course we want fairness in digital interactions because we know it is important. but i don't think it is one of the two, it is both. updated 2021 data shows 15% of households with a bank account use a branch at their primary -- as their primary method of accessing their account we know this is important in lower income neighborhoods, older families and rural households and knees have been

how good is the local bank or the national bank, the bank serving these communities, how well are they doing? that community group input is essential for making good, qualitative judgments about the performance of a bank under cra. >> in trying to answer those questions, what kind of feedback is the most useful? michael: i think as much detail as possible in the kind of things that i said. what are the gaps in lending, what are the gaps and investing, what are the gaps in services? how well are low and moderate income people currently being served? what are the innovative products needed in the local community that can make a difference? what are the deals that are harder to structure in that community, therefore should get more credit. should be seen as having a greater impact in that community ? from a forward-looking perspective and from a backward looking perspective, what has your experience been in working with bank serving this community? are they responsive to community needs? are they being creative in the product and services they offer? at the basic level, are they meeting t

banking system.dding to that concern, the survey revealed that when broken down demographically, on banked rates -- non-bank rates in the united states were much higher for some. 21.3% of black houses, 20.4% of hispanic houses, 22 .7% for american indians or alaska native households and 19.4% of households earning less than $30,000 per year were not bank compared to 8.2% of the general population. we did not know this with certainty until the initial survey was done. 18.9% of working age households with a disability were determined to be non-bank as well as 25.5% of single-parent households. the survey also provides a line of sight into the reason households give for not holding a bank accountable. common reasons included simply not having enough money to meet minimum balance requirements, concerns about high and unpredictable fees, a lack of trust in banks. to address these challenges and to guide its work, the s -- fbi c established its first plan in 2010. among other initiatives, the plan specific

not from this series, these banks do not need a digital ruble, why if there is a central bank platform the central bank platform, no, it means that all this is being digitalized. the corresponding systems that serve telephones, the internet, that is, the internet will go away, but the banks themselves, their role will be reduced; they will die as an institution, this is what we are talking about, the central bank introducing digital ruble, has and sets other tasks, so tell us a little for our audience whether we should be afraid of the digital ruble, because these conversations are starting that we will be watched at every step. all forms of payments, all forms of non-cash turnover will go into the digital ruble, what are its advantages: that all payments go through central banks, the risks associated with the risks separately associated with a particular bank are minimized, go to zero, because you can, if you keep your money in digital rubles, then it’s all yours payments in digital rubles will be made through the central bank, minimizing costs. you are motivated to overcome this risk

where is the banking? is that what's the created of money at basel these, these strange records in, in switzerland with an organized how much the ratios are. yeah, exactly. that's basically just explaining that. yeah, those are the different races. the technical ratios and banking are basically about how you manage that. the risk that emerges from that process, right? so the banking sector is pushing out huge amounts of the digital casino chips. and, and what sudden, they're harvesting loan assets, right? so they're not pushing them out for nothing that they so that they push them out on different circumstances of resolve. utah now for the bank and you say get some cash on the deposit ticket. they taking that for you and giving you tips because it could also be a person who's borrowing money. you turn up at a bank and say, can i borrow some money and they'll just push out new tips to read. what that's what they're dragging back from. you and it, so it is a loan asset, right? so, and so what's happening is

bank, first horizon bank, pnc bank, morgan stanley, wells fargo, citibank, bank of america and i also wanted to make all the workers in the hotel who made this event possible. and i do hope that you treat them with dignity and respect. they make this event possible. i used to be a member in michigan and i worked very diligently with the local 600. i always have a shout out to the union crew. that's. for these hard workers. we can do better than that. [applause] all right. thank you. we are going to get it rolling right now. some of the turmoil has had a direct impact on the work that we all do in our community. our next conversation is going to help us understand how the roller coaster of a year affected us and our work. please welcome the vice chair for supervision at the federal reserve, mr. michael barr, and politico's the 20 have eta. -- victoria. [applause] >> thank you very much. thank you. what a great audience. >> thank you so much for being here. welcome. i am excited to be here. i will jump right in with the latest news. the community reinvestment rule locked temporarily by

the bank is a shareholder. this information was published quarterly in central bank tanmay since 1401. the transparency that continued in 1402 and will continue this year. the next item is the education information paid by banks to their own companies. in last year's budget law, the members of the islamic council obliged the central bank to publish the information on the loans given by the banks to their own companies. the assignment that early it was done in august and it turned out that banks lent more than 2015 thousand billion tomans to their own companies. this clarification process continued. now it's time for the facilities that people talked about a lot. this amount that their employees are lending is not fair , it is not really fair. dissemination of bank loan information to their employees for the first time in a situation where ordinary people had to go through haft khan rostam to get a loan . i went several times. the loan payment has not yet arrived at the beginning of the year. at the end of the y

, banking is right, he is at the head of the association of russian banks, but also academician ran,sition, is at the head of the organization, which monitors the very balance so that there are no distortions in either direction, well, further development follows in any case keep up with progress. but do not forget not only the opportunities, but also the risks that lie behind this and keep your ears open, and your brains sane and sober in memory. thank you very much, galigin ashotovich, for coming, for telling us in detail, this is an easy podcast money, and today we spoke together with the president of the association of russian banks garigin tusunyan about what new and old types of fraud are present on the market as a bank. we are struggling with this and how we can resist scammers, ordinary citizens, well, today we have alexander nevsky, a largely mythologized figure, well, a classic example, whoever comes to us with a sword will die from the ball, this... we need to figure it out, well, really, there are discussions around alexander nevsky among historians and not only historian

banks. according to the budget law, the information of 17 other banks must be published by april 21st. the first step to clarify the banking system in the new year was taken by the central bank. the central bank published the information of the students of kalan until the end of last year for 12 banks. the information that was published for the first time was approved in the budget law of 1401. and because of that, the central bank was obliged to publish the information of the students of large education on a quarterly basis. refund status on the bank's website center of the islamic republic of iran. a task that, although with delays. for a few days or even a few months , the recipients of loans above 100 billion tomans from the national banks of middle east, industry, mining and capital have not been published yet. only the list of large loans of national bank was not published. but finally it was implemented by the central bank, the same late information had its impact on the banking syste

talking about one of the investment methods of hosting banks , banking, banking, banks in one sentence , it can be said that in fact surplus investments of banks are where banks, by their own discretion or under compulsion , accept investments from companies and factories, and they are companies, investments that can help economic growth , we need productive bank investments, but with 2 are actually very important adverbs. first, this investment should not be long-term in such a way as to cause monopoly. the second condition is that this should be in national projects and where you have a plan for the development of the country. but sometimes, instead of the development of the country , banks' investment criteria is their relationship with the company which determines the payment of banking education . some banks have their own branches and affiliates. it finances itself at cheap rates and does not give any compensation to other production companies, or if they do , they give it in different ways at a very high rate and trickle-down method. in order to create transparency in the way ba

together a public bank. i'll talk about what the capability of the bank could look like in incentivizeing and promoting catalyzing investment into green energy across the city through clean powersf and public utility commission. then go into further description of elective pay or direct pay, a program from inflation reduction act that allows a non profit or tax exempt including the city government [indiscernible] finally, discuss different options for operationalizing electric pay through different program designs around the city and give a summary with new possibilities for project development. i want to leave you with a framework to best address your public clean energy development needs, particularly through staffing different provisions. let's get started. next slide, please. so, i'll speak to the green bank slides fairly quickly. i think it is important san francisco public bank as a investment institution is able to issue bonds, raise financing and directly lend to project developers. construction fina

payment to bank employees is an issue that the law assigned to the central bank and this bank implemented it. dissemination of bank loan information to their employees for the first time when ordinary people had to go through haft khan rostam to get a loan? i went several times , for example, i said that the circular for paying the loan has not yet arrived at the beginning of the year . the employee says that his salary is low , you bring a document, you say that it is not single, you bring a business license, he says no i know it's not valid, they will make you open your head in such a way that you say it yourself, i don't want it. the report of the central bank that was published in early june showed that the banks lent a total of more than 164 thousand billion tomans to their employees, that is, on average, each employee is about 800 million tomans only. in the middle , take a loan and people bring copies of four, for example, to the bank, and in the end, nothing will happen. transparency in loans paid to bank employees did not end there. it should have been determined how these loans

internal bank checks. now all the banks that issue electronic check books give them to their customers. to collect, he must refer to the branch. this is despite the fact that the possibility of in-person collection for intra-bank checks has been provided, and this shows that there is an infrastructure for the electronic collection of all checks. the technical issue remained. issued, technically , this feature is completely available. with a poor electronic check, we visited some shops belonging to any bank . take it and see if it is ours that has not been implemented yet. according to the latest statistics of the central bank, they are moving in this direction due to the request of their customers. about 8 million the poverty of checks has been traded, and according to the seventh bill , all these checks must be electronic by the end of 2014. rizvan basfa of the sed and sima news agency discovered embezzlement of 18 billion tomans in one of the ports of khuzestan. sefahi, the ceo of the ports and dariandi

big banks in line. when these banks blew up, you went into a spin mode promising the fed would do better and after years of hemming and hauling you agreed to put in place basel iii rules that would strengthen capital standards for the biggest banks and i mean the biggest banks. these are the proposed rules that would apply to only 37 of the nation's 4500 banks and only the banks that have $100 billion or more in capital. now, chair powell, when you testified last june before this committee, i asked you that taking responsibility for bank failures. you said, "the main responsibility i take is to learn the right lessons from this and undertake to address them so we don't have a situation like this where we had unexpectedly a large bank sale and spread contagion into the banking system. and as part of learning those lessons, you also said, "that you agree with and support" vice chair for supervision bars recommendations for strengthening the fed's rules this is for the big banks. and that you are confident

they pay the central bank, the banking information of the banks is clear according to the budget law of 1402, the central bank was obliged to update the information on the shareholding of more than 20% of banks in companies no later than 3 weeks after the end of each quarter, but this complete information was not published in any of the quarters last year. we have several hundred thousand empty houses and mostly these are newly built. now, let me say clearly that some of these houses were in the banking business of banks. we are talking about one of the investment methods of banks. corporate if we want to define the banking industry in one sentence, it can be said that our investments are independent of banks. where the banks at their own discretion or to they are forcing investments and accepting from companies and factories and they are doing business. investments that can contribute to economic growth . we need productive bank investment. but with two. in fact, a very important adverb. first , this investment should not be long-term in such a way as to cause monopoly. the second c

to the employees of the banks, an issue that the law assigned to the central bank and this bank also implemented it. dissemination of bank loan information to their employees for the first time. in a situation where ordinary people had to go through haft khan rostam to get a loan ? i went several times, for example, i said that the circular for paying the loan for the first year has not yet arrived , they say at the end of the year, because they say at the end of the year, we don't see you as a guarantor, the employee says salary. you bring this document and you say it is not valid they make you think that you say, "i don't want to ." the report of the central bank, which was published in early june , showed that the banks lent a total of 164 thousand billion tomans to their employees, that is , on average, each employee received about 800 million tomans, only the employees of this loan. take it and people go to the bank in the same way, they go to the bank for four , for example, bring a copy to the bank, and in the end, nothing , nothing, the transparency in the loans paid to the b

and banking law is at the head.emician ras with such a sound, logical position at the head of the organization, which monitors the very balance so that there are no distortions in either direction, well, further development in any case should keep pace with progress, but do not forget not only the opportunities, but also the risks that lie behind it and keep your ears open, and your brains sane and sober in memory. thank you thank you very much, gorigi nashotovich, for coming, for telling us in detail. this is the easy money podcast, and today we spoke with the president of the association of russian banks, garigin tusunyan, about what new and old types of fraud are present on the market, how banks are fighting it, and how we can resist scammers and ordinary citizens. hello, this is a podcast deception of substances, with you olesya nosova, editor-in-chief of komsomolskaya pravda, and the famous endocrinologist zukhra pavlova. zukhra, let's talk about today obesity, about the types of obesity, because it turns out t

there will be bank failures but this is not the big banks. it is not a first-order issue for any of the very large banks. it's more smaller and medium- sized banks that have these issues. we are getting through it. i think it's manageable is the word i would use but it is a very active thing for us and the regulators and it will be for some time. >> thank you. do you have concerns -- let me ask you this, as you're talking with these small and medium banks because we know there's always ache contagion we have seen in the past do you have concerns that if they fail that somehow this is going to impact the financial sector and are you prepared and trying to address that and prevent that from happening? >> we are trying to stay ahead. we reached out to banks that had high concentrations of uninsured deposits and particularly uninsured deposits and a lot of commercial real estate in the office sector. we are well aware of the issue. we are trying to stay ahead on a bank by bank basis and overall. so far we have been able to do that. >> let me jump

for our regional banks. he went on to predict that it will force a little over 500 banks to either fail or consolidate, he also described what he termed as a dual look, similar to silicon valley bank, where people tools-- lose confidence in the bank and pull their money out and we end up in a bad situation. i don't believe everything that i read or hear, but in congress , we do tend to repeat it. i wanted to get a sense from you. i am seeing in my own city of austin, we have 20% vacancy rates and office base. rely on that for a lot of tech revenue for the city. i am wondering your thoughts on that issue. is there systemic concern here, or is this isolated? my lowering the interest rates help some of those banks? i hear from my believers in our area that no one is lending. a crack at it? >> sure, i have not seen that report, so i can't comment on it . i can comment on commercial real estate. we have had a secular change in the economy, which has left office rentals in many places, office building, demand for

, whose bank cards are accepted.ds about the current situation in the banking system, well, first of all , i would like to talk about the rate, so i heard your opinion that the rate is 16% - and even many say that the banking system has no future, banks atomrud and meat-nech will be the corresponding electronic alternatives, well, let’s talk a few words on this topic, because it was very relevant in the summer, especially right here, as young people say, there is hype around the topic of the digital ruble, despite what the central bank says that he is only testing the platform, a number of banks have announced that they are taking part in this testing. track using a locator, this all gives certain pleasant opportunities and provides us with comfort, but at the same time you you understand that it’s good when you can watch your child’s traffic, but on the other hand, when they watch you as a child and know all your traffic, this is also not the same, so we touched on this topic, that now all payments , they are also c

when you are using a bank and the banking institution and they have given disclosure.ow if we want to make an affirmative disclosure were an individual has to specifically check off the box that allows them to be aware of it when they're opening a bank that is something else. but you do not need a warrant you can have voluntary disclosure because under our law presently the banks have a possession and ownership of that information. now, the other thing you have talked about is are we worried about that that this is only going to happen to on conservatives? no i am also concerned if the fbi were to do overreach. i am concerned with that. and i do understand this is something law enforcement does and we need to be careful about what they do. i find it very interesting that my colleagues one of our witnesses mr. fanone is not a colleague of ours and is giving his opinion as a law-enforcement officer. was or something else you wanted to add? >> is in the context of this particular investigation, one of the reasons why i believe the fbi would have sought voluntary complianc

because bank earnings -- we have bank earnings. manus: when the call ended at this morning to join surveillance, what a moment. no guidance is going to be revised higher because we are in a higher for longer weight. but going to jamie dimon says come he is not completely sure. 70% to 80% chance the market thinks there is a soft landing and i think the odds are lower. what is the rhetoric and guidance? lisa: that is what people are going to be watching for. we are expected to get jp morgan, wells fargo come at it click get citigroup. markets are fascinating because we are looking at a situation where bonds are stuck in everything -- are still kind of really -- reeling. it raises a question, is this a market that can withstand people's where they are -- withstand yields where they are? annmarie: and you siemens coming out about this no landing scenario. the reason earnings is so important is because of the data we have already gotten. this is the last leg of data to her stand we are. i go back to what mohamed el-erian told us. lookin

intra-bank checks., all the banks that issue electronic checkbooks give them to their customers, and their customers issue the checks and give them to zineft. . if he wants to collect his electronic check in another bank , he must go to the branch. whereas that the possibility of in-person collection for intra-bank checks is provided, and this shows that there is an infrastructure for the collection of all electronic checks. we do not have a technical problem in this matter, that is, the directives have been issued, technically, this capability is completely available. we visited some branches with an electronic check. is it possible for ours, which has not yet been implemented , the instructions have not come, they have an electronic check , you can review it, i will take it , check what you have. we went to the glass building of the central bank. a good part of the banking network is the cashing of checks inshaallah, they will implement it in their own electronic devices. usually, the first bank opera

to date more than 200 bank credit holidays. managed to complete it, we recommended that banks considerlication in a simplified manner, understanding that people now have no time to collect various certificates, we will closely monitor and control this, the central bank prepared very seriously for the report to the state duma, meetings were held with factions and specialized committees, but the deputies still had questions regarding preferential mortgages, some citizens bought from six to 40 apartments, including luxury ones, what measures can he propose? with such a mechanism, but it happened to us on the contrary, they began to build more housing, which is very good, but it has increased in price, so our task today, together with the central bank, the ministry of finance, and the government, is to do everything to ensure that housing is affordable for citizens. another problem that concerns deputies is telephone fraud; according to the central bank, last year citizens lost more than 15.5 billion rubles. nabiulina admitted that we have not yet been able to defeat the scammers; we are h

it depends on which side you are looking at with banking shares and deutsche bank shares deutsche bankof course, they are stuck in the middle because their competition is the wall street banks, but they don't have as big balance sheet. it is a difficult market, but still they are confident they can gain market share and be of a much stable footing. >> annette weisbach, thank you very much. >>> turning to other bank earnings bnp has 3.1 billion euro in the first quarter. that was down 2.1% on the year the lender said it expects to see growth on the top and bottom line for the full year with revenue expected to grow for the 2023 levels. we have charlotte here with more >> the numbers were lebetter th expected from the last quarter where revenue was down 0.4%. interesting to see operating expenses down 1.5% on the year and cost cutting has been helping. in march, they would step up the cost cutting to 4.1 million euro to reach 2.7 billion by 2025 29 basis points for the guidance number below 40 basis points for the year they had given a bit of guidance for the year with revenue more than

historically they have tended to be tougher on foreign banks than their own banks.d of action is taken against morgan stanley if anything. in the past the fires have been in the orders of billions of dollars for some banks. they miss the hsbc are mexican drug running and also for sanctions broken. there have been quite substantial fines for money—laundering as well. fora bank fines for money—laundering as well. for a bank the size of morgan stanley, if they do find there are serious breaches. i would be looking at a fine of that kind of order. morgan stanley is a bit of a darling of the industry. it is settle a case at the beginning of the year. case at the beginning of the ear. �* ,., case at the beginning of the ear. �* . case at the beginning of the ear. ~ ., , ., , year. also warning the profits would fall _ year. also warning the profits would fall short. _ year. also warning the profits would fall short. do _ year. also warning the profits would fall short. do you - year. also warning the profits would fall short. do you thinkj would fall short. do you think a

does that mean banks might fail? there been thousands of banks that fail over last 30 or 40 years.hat is what happens. on the other hand the quality of the banking system is strong. jonathan: the latest this morning. one year on from silicon valley bank worries linger over a crisis in the financial sector. bill dudley singh and other run could happen, saying "regulators have been focused primarily on securing loss absorbing capital at the largest financial institutions. less attention has been paid to the problem that precipitated last brings banking crisis." bill is with us for more. let's start there and then we can lean into monetary policy. let's start with the stress of the spring of 2023. what was behind that and what haven't we done to address it? bill: the problem with silicon valley bank failed. the problem with the contagion is that generated in other banks. what we foresaw at the time was depositor outflows were much faster than anyone had anticipated. it was the most rapid demise of a bank we've ever seen in terms of money going out the door. everyone was focusing on in

president , the chairman of the central bank used to demand others to publish the information of bank debtors . if he was responsible, this is the list. give me why now and in this debate he wants to give me why he didn't give me why he didn't do his duty and if he doesn't give me what he will say, the people had not heard the name of this big seed. secrecy, which has become a source of irony , you are the accused who, with the help of mr. sim kehe from dal zal rez institute, paid the amount of the annual budget law. 1401 mandated the central bank to publish information related to macro facilities on its website immediately after the end of each quarter. the central bank updated the information related to the facilities of 13 banks and the list of facilities and obligations of related parties of 15 banks until the end of the autumn season. the legal task that was carried out resulted in the transparency of banking facilities since last year, which led to the disclosure of information about half of the total balance of the banking network , which was already outdated. but with the end

they're not the only banking family. they're not even necessarily the oldest banking family, but certainly you can say, you know, for very true reasons, for example, going back to how they set up in england. part of the great in this ology that they created was during the napoleonic wars. and i believe it was nathan roger at the time who was heading up the child bag. he basically had an amazing network of intelligence. and they found out through their network of intelligence that the point had lost the bottle of water loop. so they actually started to they using their intelligence as a say they made it a killing on the stock market. basically by doing all kinds of tricks, you know, pretending like they thought, you know, they basically initially made it seem like the british had lost. so people started selling their stock, then the brought jobs came in through their agents and bought it up and bought up the stocks cheap and they made of killing. so again, the rothschilds have been involved in shady dealings over the year

banking system to bank mellat and bank tejarat, which according to the agreement that god willing can come and support the popular club and dear mr. presplis, there is a question. do you have an estimate of the debts of presplis club ? how much does presplis club owe to bank shahr? it is about 180 billion tomans and esteghlal club is about 190 billion tomans. there is another thing that i will give up and i have a few numbers that i will express here, and both of those clubs, esteghlal hamparast police, have given two and a half million euros to shahr bank for the settlement of the claims they had with the players and the previous technical staff and sher bank. he really came there to fulfill a serious responsibility he used his own capacity and these amounts were paid, not now, the debt is only to bank shahreh , the club's other debts, not since the handover, only because the privatization organization made it mandatory to work with a bank, which is bank shahre, in fact, it means the financial settlement for you. i will present them all, or they say, to you , both esteghlal club and

almost 65% of our monetary base is owed by the banks to the central bank. what does it mean that the bank has a general imbalance and has an unhealthy performance, and according to mr. yazidzadeh, the same banks are playing in the market , they are looking for unproductive work, the credits that should go to production go to unproductive production measures, then costs and who will compensate for the loss? what should the central bank do in terms of foreign exchange policies ? can we take 650,000? that nothing has happened in the economy, until these issues are resolved in the economy, the exchange rate will inevitably increase, unfortunately, but the central bank and our government in general have a choice or allow this increase in the land rate to be an osmosis and the resources the currency should maintain itself to develop and actually create the resilience of the country against. shukar or not, like in the past few periods , continue this step system of jumps, which we did not tell you about our economic situation. we can take the first step towards re

but the central bank very much. what the federal reserve in america has, which again was probably established by morgan. and it was, it did. i think it was morgan junior at that point. but the point is that you have, the morgan bank was very integral in establishing the federal reserve system. so, yes, these, you know, these banks learned deal, these bankers learn from each other. they, they operate, they work together, they, they have to, they, you know, they transact. and when it comes to, you know, establishment, the rout childs were essentially the one of the most established, not the only, again, this is not the only major banking family of england or of europe. but that they, you know, they became notorious for, for, for various reasons. and partly you could say partly it was, you know, anti semitism. i suppose. i mean, there is, there is something to be taught. be careful about when we look at because the morgan empire is, is probably as, as dark in its own way. and you know, and so we can't just say it's, it

banking sector, we are about a year away from the s silicon valley bank collapse.e are looking at a 20 basis point jump here in the u.s. and uk. how does this impact the ability of the banks to forecast ahead and impacting commercial real estate? >> that is a really good question. in terms of forecasting ahead, the banks tend to be conservative in the forecasting. moves don't change the calculus too much. i think commercial real estate is still an area of weakness. we will see that particularly in wells fargo numbers which is an area of concern. i think what is more meaningful about the movements is there are a lot of moving parts to give us a strength of the u.s. economy. >> the strength of the bank stocks. does that give them the ability to be conservative? citi is up 16%. wells fargo with a similar number. does this give them room to be conservative? eight months ago, there were concerns with the banking sector and possible consolidaconsolida. >> it is a rare thing to say u.s. banks out performed anything, let alone the s&p with the mag seven. if you look at val

according to the officials of the central bank, there are 5 operating banks export, housing, mellat, trade and postbank, which should provide 300 million tomans deposits, construction and purchase of housing for the third child to the applicants. construction and purchase of housing for the third child , i made a deposit of 300 million, which according to the budget law of 1403, should be given to homeless families in the form of a loan with an interest rate through 5 banks, the agent of mellat's real estate trade, and postbank. may their third child be born in 99 or later for families without housing, but the performance of the banks in paying for this education was not suitable from the central bank's point of view. it is really not acceptable for the central bank and from the people's point of view, the complaints that indicate that the banks do not respect the 20-year limit for education repayment, and that the registration process is not electronic and the selected branches are not clear for them. it creates a problem, the many banks that are coming for the third child's housing

the second is a move from small banks and regional banks to big money center banks. the top 15 banks hold about 76% of the deposits in the united states. the top four banks have almost 50% of the deposits. i think we have a real structural shift that happened in the united states as a result of svb that i don't think is coming back. each regional bank has to figure out their own strategy for how they try to win back some of that deposit growth in order to have the deposits -- to do the other side of the balance sheet, which is lend the money out in their communities. >> at lead bank, you serve local customers but you have also built an onramp for financial technology companies. is that a response to sort of the aggregation we're seeing of the bigger banks? >> it's not in response. we do have a really healthy community bank in kansas city, missouri, that we're really proud of. we have amazing customers, amazing board members. but we run a thin tech infrastructure company. we build all kinds of banking products and apis for consumer and tech companies that want to embe

in banking education, to prevent deviations in the use of banking education , and to control liquidityanother advantage is using this new banking tool. rizvan basfa , radio and television news agency. according to the officials of the central bank, 5 operating banks should give the facilities of 300 million tomans deposit to the applicants for the construction and purchase of housing for the third child in order to avoid public confusion. the names of their designated branches should be given to the homeless families whose third child was born in the year 9. no, let it be later for the families without housing, but the performance of the banks in paying for these reforms was not appropriate from the point of view of the central bank. it indicates that the banks do not respect the 20-year limit for education repayment, and the fact that the registration process is not electronic and the selected branches are not clear creates problems for them. i come to the bank as many times as i have. we didn't know, nor did the people know, and even when we asked the central bank, the central bank i

and internet bank. people through their bank account and through their internet bank can actually withdraw up to 100 million tomans or one billion rials from their accounts. however, with the approval of the central bank and the ablaqieh that was done today , god willing , it will soon be increased by the banking network to 200 million tomans. it is possible to withdraw the total sums of money through the non-present payment portal , but the question i have is whether this possibility is also available through self-service machines or is it possible to do so in the future? yes, let me know your presence in relation to atms, there is a cash withdrawal limit as well as a card-to-card transfer limit . anyway, according to the previous conditions, there is actually a card-to-card transfer from each card up to 10 million tomans per day and cash withdrawals up to the amount 200,000 tomans from each card is possible, but anyway according to the requests that the central bank received repeatedly. and many of ou