Teamwork and trust of senior managers of the bank is the most important factor for the success of this province in achieving and improving performance indicators.
According to the Iran Economist, in addition to these advantages, the establishment of research, research and university centers has led to the scientific support of industry in this province, and the activity of Payam airport and special economic zone, railways and transit roads in moving industrial and agricultural products. The province as well as the supply of raw materials for its production units is effective, which can be a factor to reduce costs and justify investment to build more industrial units in this province. In this regard, the public relations of the Bank of Industry and Mines with Amir Hossein Zand, Director of the Bank of Industry and Mines of Alborz Province and the head of the Karaj branch about the measures taken to support the establishment and development of industrial and mining units, investment capacity in this province, obstacles And the challenges that this management is facing due to the harsh economic and banking sanctions and its future plans and policies to attract resources and collect receivables are discussed below:
1- What are your plans for fulfilling the slogan of the year “Production, support and dismantling”?
This year began in a situation where on the one hand the sanctions are as strong as in previous years and on the other hand the consequences of the outbreak of coronary heart disease continue to disrupt many of the country’s economic activities. In such circumstances, it is necessary for all executive bodies and trustees of different economic sectors, while maintaining cohesion, cooperation and coordination, to take the necessary measures to fulfill the slogan of the year and continue economic growth and improve the production environment in the country. . In this regard, Alborz Province Industry and Mining Bank, in line with the announced goals, programs and policies, tries to fulfill the slogan of the year while removing possible obstacles and restrictions by providing professional facilitation through financing of active industrial and mining units of the province and participation. In the implementation of development projects, financing of knowledge-based and export-oriented businesses and support of pharmaceutical companies in the province is on its agenda.
2- What are the most important policies and strategies of the branch in 1400?
In order to achieve the operational plans considered in the province and achieve the goals set in the bank’s credit policies in 1400, the plans and strategies of this province are as follows:
Honoring the client and increasing the satisfaction of customers and producers in the province, positive impact and increasing the bank’s share in providing financial services in the province and also improving the bank’s position in ranking branches, providing consulting services based on knowledge and experience gained in project implementation Bank to the craftsmen of the province, focus on providing financial services to the top production units of the province and export-oriented, knowledge-based and companies with new technologies, using the capacities of Internet banking, corporate banking and digital banking to increase resources, identifying the province’s credit customers Facilitating the provision of credit services to increase wage income, prioritizing the payment of facilities from the resources of the National Development Fund and other concluded memoranda, pursuing non-current receivables and reducing the risk of receivables, as well as transferring and reactivating the bank’s ownership units and reviving them. Bank customers to help export companies’ products and also import raw materials needed by manufacturing companies in the shortest possible time by coordinating with the network of industry and mining and other exchanges in the country, according to existing sanctions
3- What were the most important measures taken in 1999 and how successful were you in realizing last year’s plans? What were the reasons for your success?
Alborz Province Bank of Industry and Mines in 1399 in all indicators has a significant growth compared to 1398. Last year, the bank ranked first in the payment of facilities from the boom of production in order to finance small and medium enterprises in the province. Also, in the facilities subject to paragraph A of Note 18 of the Budget Law in line with the production and employment program, this bank gained the first place among the banks of Alborz province and more than 52% of the total payment facilities in the province from the sources of paragraph A of Note 18. Has been paid by this bank.
The average of the province’s four deposits in 1399 increased by 258 percent, the amount of approvals by 56 percent, the province’s payments by 71 percent and the receipt of receivables by 126 percent compared to 1398. Also, the debt risk of the province has decreased to one percent at the end of 1399 and now to 0.8 percent.
4- Considering the problems caused by the oppressive sanctions and the spread of the corona virus, what measures and strategies do you have to support the producers of your province?
Increasing the required resources of working capital of production units to maintain the existing production capacity and employment, providing the required resources and implementing the development plan of one of the largest units producing hospital and home disinfectants, financing one of the largest units producing non-woven non-woven textiles Use in the production of medical masks and gauges, financing of companies producing drugs for the treatment of coronary heart disease (such as Favipiravir and RemedSior) as well as financial support for the Russian manufacturer of Sputnik vaccine and maximum interaction with the production units of injured patients. This is what the bank has done in support of production units in the coronary heart disease epidemic.
5- After the formulation of the bank’s credit and strategic policies in 1400, what measures do you consider effective for the effective implementation of policies and for the purpose of creating synergy and streamlining the organization?
In order to effectively implement the communicative policies and operational and strategic goals done in 1400, while explaining policies and goals and performance indicators as well as the expectations of provincial managers from the Bank of Industry and Mines as a specialized bank in the province in weekly and monthly meetings Respected deputies and colleagues are on the agenda to monitor the performance and monitor the assigned tasks, and by using knowledge management and using the power and potential of all colleagues, we will take steps to optimally implement the set goals.
6- What measures have been taken in the branch under your management to implement corporate governance and digital banking?
In implementing corporate governance and digital banking, which is one of the main necessities of the banking industry in the country, we have succeeded in presenting new bank products to customers, which have been very well received, and very good measures in terms of corporate governance. It has taken place in the province.
7- What methods do you use to attract more resources in the province?
Regarding the absorption of resources, two potentials of companies located in the province are used. Various credit and facility services according to the customer’s needs and in proportion to the concentration of their account, as well as the introduction of new digital banking products has increased the customer satisfaction of the branch and to focus more on their accounts with the bank, which ultimately leads to an increase every year. Four deposits have been made in the province in recent years.
8- What is the situation of the province in terms of industrial development and what potentials do you know for the industrial and economic development of the province?
Alborz province is known in the Iranian economy as a strategic province. Being located in 14 provinces of the country, proximity to the capital, high population density, close relationship with the consumer market and the establishment of many important industries and national brands in this province are among the indicators that indicate this strategic situation. This situation has caused many domestic and foreign investors to express their desire to visit this province in recent years.
Proximity to the population, specialized staff, educational, research and research centers, the existence of 13 towns and industrial areas in Alborz province and the establishment of strategic and large industries, pharmaceutical hubs and automobile parts of the country, location in the country’s communication highway and access to domestic airports International and the existence of a technology park and a special economic zone are among the advantages and capabilities of this province.
9- What is your plan and solution for collecting claims?
Considering that in previous years, legal actions were taken to collect the claims of the province by the esteemed colleagues of the legal management and to collect the claims of the headquarters, during the last three years, 66 cases were fully invited by inviting and negotiating with company managers, mortgagors and guarantors. Received and settled, and the branch’s claims risk increased from about 18% to less than 1%. Also, with careful validation and correct selection of customers, none of the branch files have been transferred to the non-current topic.
10- What programs do you have to provide better services to customers? What strategies do you have to increase commissions?
Mutual understanding of the customer’s conditions and providing financial and credit services commensurate with the customer’s needs, as well as expediting matters and meeting the needs in a timely manner, is the best service that can be provided to customers and this is on the agenda of our colleagues.
Providing services commensurate with customer needs and identifying and attracting customers who use documentary credit and guarantee opening services has led to an increase in fees.
11- Considering the increase in the level of branches’ powers, how is your interaction with the bank’s headquarters and what do you expect from the headquarters?
In recent years, with the positive view and trust of the bank’s senior management to the branches and the increase of decision-making powers in the provinces, it has facilitated and accelerated the implementation of affairs, and this has led to the growth of branch performance indicators. Due to its proximity to the capital and the bank’s headquarters, this province also has the gift of a very positive interaction between the bank’s senior management and the colleagues located in the headquarters of the headquarters.
Classification of customers and quick decision-making regarding the top customers of the province and not considering the approvals of warranty and documentary credit in the cumulative ceiling of branches can be solutions that seek customer satisfaction and of course speed up the notification of approvals by the credit elements of the headquarters. Can play an effective role in customer satisfaction.
12- How is your interaction with senior provincial officials such as (Governor’s Office, Ministry of Economic Affairs and Finance and Ministry of Industry, Mines and Trade)?
The Bank of Industry and Mines has a very good position in the province and has tried to have a positive and optimal effect in the province, and this issue has caused it to be appreciated by the provincial authorities every year.
13- In your opinion, what is the role of efficient manpower in the success and superiority of branches? What is your plan to increase the skill and knowledge of your collection staff and the succession process?
What is important in human resource development is that the improvement of human resources is not only achieved through technical and specialized training, but also includes human skills to fully understand the staff and familiarity with the techniques and effective ways of working with them. And the most important thing in the discussion of human skills is the ability to influence others and the right leadership of human beings and create a context in which they can use their abilities.
Therefore, in line with in-service training programs conducted by the esteemed management of education, one of the most important issues is the transfer of business and knowledge of colleagues to others, which in addition to improving knowledge and increasing efficiency, also realizes the succession process.
14. What are your methods for using the ideas and suggestions of your colleagues to improve the activities of the branch?
Collaborative management is a process in which employees are involved in the decision-making process and the emphasis of this management is based on the cooperation and voluntary participation of employees that using their ideas and opinions and initiatives in solving problems and issues of the organization can be satisfied and It also increased employee motivation.
Therefore, by holding several meetings, consensus is reached and opinions and suggestions are received from colleagues, and discussions are held regarding the submitted suggestions.