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26% increase in payment facilities of banks in 5 months of 1402


According to Iran Economist From the central bank, out of the total payment facilities, the amount of 14702.6 thousand billion rials, equivalent to 82.3%, has been allocated to business owners (legal and non-legal) and 17.7% to final consumers (households).

Table 1 shows the goal of receiving payment facilities in economic sectors during the 5 months of the beginning of 1402. The share of facilities paid in the form of working capital in all economic sectors during 5 months of 1402 is 11,220.9 thousand billion rials, equivalent to 76.3% of the total facilities paid to business owners. Also, the share of payment facilities in the form of purchase of personal goods by final consumers (households) is 1168.4 thousand billion rials, equivalent to 36.9% of the total facilities paid to final consumers (households).

The share of facilities paid for the provision of working capital in the industry and mining sector in 5 months of 1402 was equal to 4748.6 thousand billion Rials, which indicates the allocation of 42.3% of the resources allocated to the working capital of all economic sectors (amount of 11220.9 thousand billion rials). It can be seen that out of 5712.1 thousand billion Rials of facilities paid in the industry and mining sector, equivalent to 83.1% (amount of 4748.6 thousand billion Rials) was paid in the provision of working capital, which shows the attention and prioritization of providing resources for this sector. by banks in 1402.

26% increase in payment facilities of banks in 5 months of 1402

Microfacilities (less than 3000 million Rials)

Of the total disbursed facilities in the mentioned period, the amount of 4.167 thousand billion rials, equivalent to 23.3%, was granted in the form of micro-facilities. In addition, the amount of 308.7 thousand billion Rials has been paid in the form of credit cards, which, including this amount, the total micropayment facilities (less than three billion Rials) amount to 4476.3 thousand billion Rials, equivalent to 24.6% of the total payment facilities. includes It is worth mentioning that considering that payment facilities in the form of credit cards are also paid in the household sector, with this, the share of the household sector increases from 17.7% in Table-1 to 19.1% of the total payment facilities. Table 2)

26% increase in payment facilities of banks in 5 months of 1402

It is worth noting that in the continuation of the current path, the considerations related to inflation control should also be taken into account, and the inflationary potential due to the pressure of total demand in the economy should always be taken into account. On this basis, it is necessary to increase the financial power of banks through increasing capital and improving the capital adequacy of banks, reducing non-current facilities and returning them to the correct path of crediting banks, increasing the efficiency of banks in providing productive working capital, avoiding double pressures on banks’ assets and Encouraging production companies towards the capital market as an important tool in financing (creative) economic projects paid special attention.

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