Payment of 1357 billion tomans bank loans/ 17% share of households
Loans paid by banks in the first four months of the year increased by 28.8 percent compared to last year, and 17.2 percent of these facilities went to households.
The central bank recently published a report on its official website, the statistics and figures related to loans paid by banks until the end of July 1402, separated by economic sectors and the purpose of receipt.
The review of this report shows that in the first four months of this year, banks have paid more than 1,357,000 billion tomans in facilities to various economic sectors, which is an increase of 300,000 billion tomans, equivalent to 28.8%, compared to the same period last year. has hit
Increasing the share of households from bank facilities
The data published by the Central Bank, which were extracted based on the information sent by the banks, indicate that during the period under review, 1,122,000 billion Tomans, equivalent to 82.8% of the total facilities granted, were paid to business owners, both real and legal. has been
Also, 234 thousand billion Tomans of loans, equivalent to 17.2% of the facilities, have been granted to the final consumers or households.
The comparison of these figures with the statistics of June shows that the share of households from bank loans increased by 2.4 percentage points in July, and on the other hand, the share of businesses from facilities decreased by the same amount.
The service sector is still at the top of borrowers
The separation of the facilities received by the business owners from the banks into the economic sectors receiving these loans, shows that despite the decrease in the share of the service sector from the bank facilities compared to the previous months, this sector still accounts for the most loans with 39.7%. After the service sector, there is the industry and mining sector, which took 38.5% of the loans, and the commercial sector with 10.8%, agriculture with 69%, and housing and construction with 5%.
Where did the payment facilities go?
According to the report of the central bank, among all the loans that have been paid to businesses by the banking network, 76.5% of them have been paid to provide working capital for these businesses, 17.2% to create new businesses and 4.4% to develop them. The rest of the facilities also have a share of less than one percent.
Examining the purpose of loans paid to households also shows that the facility of purchasing personal goods has the largest share of payment facilities with 35.4%. In addition, the share of necessary loans and marriage loans was recorded as 19.9% and 18.4%, respectively. Housing repair facilities, buying non-renovated housing and having children are also in the next categories.
333 small loans were paid
According to the data of the central bank, of the total facilities paid during the first four months of this year, more than 312 thousand billion tomans, equivalent to 23% of the total loans, were paid in the form of micro-facilities of less than 300 million tomans.
In addition, 21.5 thousand billion Tomans have been given to households in the form of credit cards, which, including them, total microfacilities have reached 333 thousand billion Tomans, and the share of the household sector in total loans has increased from 17.2% to 18.5%.
Source: Tejarat News