The positive effects of the activities of development banks on people’s lives and economy
According to the financial news report, quoted by the public relations of Tehseh Tehsaf Cooperative Bank, Karim Mirzakhani, the deputy CEO of Tehseh Tehsaf Tehsav Bank for provincial affairs and marketing, in a friendly meeting with Elah Dad Mohammadi Mofard, the vice president of marketing and coordination of branch affairs and a member of the board of directors of the Agricultural Bank, said: the banking network is one of the pillars of the economy. It is considered the country and the banking system has been one of the leading sectors to bring new technologies and new processes to the field. In parallel with the fact that the economic system has become wider and more complex, the country’s banks have been trying to carry out the processes of equipping, allocating and transferring funds with maximum efficiency, accuracy and speed.
He added: Developmental and specialized banks are responsible for missions beyond commercial banks, and beyond profitability, they also pursue social goals such as creating employment, eliminating poverty, social justice, improving the standard of living of the general public, and supporting entrepreneurship. In fact, many social goals of the government can be realized through the activities of development banks.
Mirzakhani said: In order to improve communication and interactions, these intimate meetings with marketing assistants and schools, especially in development banks, are among the work priorities of this assistant.
He added: Cooperative Development Bank and Agricultural Bank have similar experiences and challenges, and they can share and transfer knowledge and experience to provide optimal services to the target community and the general public.
This banking official stated: The joint and successful experience of the Cooperative Development Bank and the Agricultural Bank in the implementation of the large national plan for sustainable rural and tribal employment is a valuable achievement, and as the two banks were members of joint specialized working groups and together with the executive bodies in the successful development of the plan, They were of the same mind and thought in other development and banking activities, they can discuss issues and opinions with the meetings of the same mind.
This official of Tehseh Tehsaf Cooperative Bank continued: With the entry of Tehseh Tehsaf Tehsaf Bank into the rural and tribal areas and the payment of facilities to these two areas, the bank’s colleagues got to know about rural and tribal projects and by paying facilities in this sector, valuable knowledge and experience in this field among the layers The executive branch of the bank came into existence and social banking improved some of the important features of the banking system and proved the fact that in the approach of social banking, its focus is not only profit, but its focus is on the three parts of profit, people and the environment, and the characteristics of Because accountability, transparency, stability and stability are also important in this banking.
This banking official stated: The ultimate goal of development banks is to provide optimal services to the general public and the target community, and to take effective processes and solutions to facilitate people’s economic activity. Communication and interactions can bring synergy and sharing of experiences and provide the means of productivity, progress and development as much as possible. If we can have a positive effect on people’s life and business in this vast economic system, then we can claim that we own a business, this is value creation.
Regarding the importance of land preparation and its role in the development of the ecosystem of each region, Mirzakhani said: This approach provides the basis for the interaction between the three elements of human, space and activity and provides a logical arrangement of activities in the field of each ecosystem of the region. The objectives of land development are balanced development, fair development and optimal use of resources for the development and progress of territorial areas.
Allah Dad Mohammadi Mofard, Vice President of Marketing and Coordination of Branch Affairs and a member of the Board of Directors of Agricultural Bank, said in this intimate meeting: Among the identified strategies for attracting bank resources, the strategy of customer orientation and continuous and emotional communication with new and old customers, the effective marketing and resource mobilization approach, is of interest to all units of Agricultural Bank. What a headquarters and a line has been placed, which was approved and acknowledged by all those present at the meeting.
The deputy of the Bank of Agriculture said: Tehsehe Ta’af Bank has gained an important position in the country’s banking network with its original approach of providing services to customers and the target community, and participation in important national projects has also added to the bank’s successful experience and record.
Mohammadi Mofard added: Banks, especially development banks, are one of the important economic pillars of the country, and many of the activities of the executive bodies and important economic institutions of the country gain meaning and meaning with the role of banks, the human resources present in the banking network are one of the important capitals of the country. are considered and despite some views on banks, we consider the banking sector to be one of the useful and effective and strategic sectors of the economy.
He pointed out: the banking network has largely adapted itself to developments and innovations and must constantly update itself. With the emergence of fintechs and new business processes, banks should also define themselves in new systems and processes and play an active role, each bank should not adapt itself to new business conditions, a guarantee for continuity and presence will not succeed.
Mohammadi Mofard said: There is a marketing approach and resource mobilization in all branches of the bank, customer-oriented approaches and planning are important for customer retention, and the credit department of the bank also applies a marketing approach to the payment of facilities.
The vice president of the Bank of Agriculture emphasized: Bank of Agriculture has started a business department in order to implement new processes in banking areas, and specialized departments related to structure and research are also included in this department, and the bank has taken many measures in new areas. advances in this way.
In this intimate meeting, which was held in the office of the vice president of marketing and coordination of the branches of the Bank of Agriculture, Sayad Rahmanpour, the manager of provinces and branches, Hossein Serin, the head of the general department of customer affairs and market development, and Hassan Ashighi, the head of the general department of education of the Cooperative Development Bank, expressed their capacities and views.
In addition, Sayad Rahmanpour, Manager of Provinces and Branches of Cooperative Development Bank, said: The employees of the branches of this bank are young and motivated and have university education, they have good experience of national plans and according to the transformational and strategic plans of the bank’s CEO. There is a will so that the human capital of Saf Bank, as the axis of positive developments, can make a good record in the current period and the coming periods, and the share of the Cooperative Development Bank in the banking network will be improved.
Regarding the importance of human capital, Rahmanpour said: If the organization’s human resources act in the direction of the organization’s goals and strategies, then in the true sense, human capital carries its function. Since human capital is an economic concept and includes a set of skills and abilities, knowledge and awareness, it is necessary for the bank to continuously plan for this valuable capital to grow and develop human capital talents.
Hassan Ashghi, head of the General Directorate of Education, further said: Human resources are the main axis in the organization, and training and motivation are two-fold enhancements of this resource. The Bank of Agriculture has excelled in the banking network in terms of experience and suitable facilities for banking training, and efforts are being made to learn from the experiences of this institution. The bank should be used for the educational processes of the Cooperative Development Bank.
Asheghi added: A good education does not change our life overnight, but it changes our life path overnight, in line with the Bank CEO’s emphasis on the importance of succession planning and training of future managers, the General Department of Education of the Cooperative Development Bank in cooperation with the Higher Education Institute Iranian banking has implemented a plan to assess and develop talent and educate future managers.
Hossein Serin, head of the General Department of Customer Affairs and Market Development, said: “The successful and joint experience of the two banks in the field of micro-credit facilities and the signing of memorandums of understanding has been effective, and the implementation of this joint experience in the bank’s online and electronic systems can also be fruitful. And this provides the conditions for customers to use the online and electronic platforms of the bank instead of going to the branch to obtain such facilities.
Serin added: Customer satisfaction is a prerequisite for all subsequent successes of the organization. In other words, customer satisfaction is the most important management priority compared to other goals such as greater market share, product development, etc. Customers do not make decisions based on product features, but their mentality is formed based on the problems they have and they are looking for solutions.