Using the benefits of corporate banking and digital banking to increase fee income

According to financial news, in Ardabil province, there are industrial units such as auto parts, cement, rubber, industrial milk powder, paint, industrial equipment, mineral water, spinning, dairy products, clay bricks, industrial slaughterhouses for livestock and poultry, clean cotton. Kenny, steel, chipboard making, cold industrial houses, food industry, polyethylene pipes and fittings are active; In the mining sector, Ardabil province has a good situation in the field of building materials reserves, but in the field of metal and non-metal reserves, more studies and exploratory activities related to the exploration of metal and non-metal minerals in this province should be carried out in order to use many capacities. which can be used to build related industrial units.

In this regard, the public relations of the Sanat and Mine Bank in an interview with Ahmed Allameh, the provincial manager and the head of the Ardabil branch, discussed the performance, programs and measures that have been carried out or are on the agenda to support the industry and mining sector of the province. which is explained below;

1- What plans do you have in order to fulfill the motto of the year “Production, knowledge-based, job-creating”?
In view of the fact that this year has been named by the Supreme Leader as “the year of production, knowledge-based, employment-creating”, therefore, in order to fulfill the motto of the year, this branch is based on the credit policies approved by the board of directors in 1401 and in order to finance Priority projects focusing on semi-finished and development projects and knowledge-based projects to create employment and provide capital for the circulation of active projects and in the beginning of operation in order to stabilize existing employment and revive stagnant production units have been planned.

2- What are the most important policies and strategies of the branch in 1401?
This year, in line with the slogan of the year and maintaining and improving employment, the most important program of this branch is to try to fulfill the operational plans announced by the bank headquarters, including attracting resources (using the benefits of corporate banking and digital banking), increasing fee income through Providing banking services, including credit documents and guarantees, reducing non-current receivables and branch receivables risk.

3- In the past year, how many industrial projects and how much have you paid? State the type of industry, the amount of production along with the type of product, the amount of employment and the type of payment facility.
Last year, a total of 2412 billion Rials of facilities including 11 items in the working capital sector (steel industries for the production of all kinds of ingots with a production capacity of 150 thousand tons per year with 320 employees, tire industries for the production of light and heavy car tires with capacity Production of 55 thousand tons per year with employment of 1,370 people, papermaking industries to produce paper from limestone with a production capacity of 12 thousand tons per year with employment of 15 people, wood industries to produce various types of raw chipboard and melamine sheet with a production capacity of 91 thousand cubic meters per year with employment 62 people and the construction industry for the production of fireproof polystyrene foam with a production capacity of 950 tons per year with the employment of 19 people and various types of prestressed concrete products with the production capacity of 37 thousand tons per year with the employment of 26 people) and in the fixed capital facility sector (a project in The construction industry sector and a petrochemical project for the production of methanol from natural gas with a production capacity of 132 thousand tons per year with the employment of 150 people have been paid.
It should be noted that this branch has paid 40 billion Rials to 49 people in the area of ​​marriage loan facilities in line with the implementation of the provisions of the Law on Family Protection and Youth Marriage according to the annual budget rules.

4- Among the mentioned projects, how many industrial and mining projects have been put into operation in the province? How many of these projects were knowledge-based?
Most of the facilities paid by this branch last year were in the form of granting working capital facilities to supply the raw materials needed by active projects, and only one industrial project with fixed capital facilities of 15 billion Rials has been put into operation with the employment of 26 people.
In connection with granting facilities for knowledge-based projects, the branch has also conducted negotiations in this regard while providing information.

5- How many industrial units have been set up with bank facilities in the province, how much progress has been made and how many jobs will be created by operating them? Which plans are knowledge-based among the plans being used?
Sanat and Mine Bank of Ardabil branch in 1400 had two industrial projects with an investment volume of more than 6000 billion Rials and employment of 176 people and with a facility of 1515 billion Rials. And a petrochemical project is also in the completion stage of the project with a physical progress of over 90% and is being implemented and completed.
A) Sanat and Mine Bank has participated in the construction of a petrochemical unit for the production of methanol from natural gas by granting a fixed capital facility in the amount of 1500 billion Rials to Arta Energy. with the physical progress of over 90%, so the applicant of the project has requested additional facilities in the amount of 500 billion Rials in order to launch the project, and it is expected that the said project will have an investment volume of more than 6000 billion Rials and create employment for 150 people directly in half The second of this year will be put into operation.
b) Sanat and Mine Bank by granting fixed capital facilities in the amount of 15 billion Rials to Aras Iranian Prestressed Beam Company for the construction of a production unit for the production of various types of prestressed reinforced concrete products with an investment volume of 50 billion Rials and 26 jobs people took action and it was put into operation in April last year.
Also, this bank has announced its readiness to grant facilities for knowledge-based projects to the relevant applicants and has also conducted negotiations in this regard.

6- What actions have you taken regarding the revival of inactive production units?
Bank of Industry and Mine, in order to revive the inactive production units, while counting the list of inactive production units, visited the site of the said units, and by holding several meetings and examining the relevant issue, the pathology of the plan was made and the necessary assistance was provided for restarting. It has planned and stabilized existing employment, and this branch has also implemented a series of protective laws (including the law on facilitating the settlement of debtors in the country’s banking network, deferring non-current customer claims, granting working capital facilities, etc.) that are notified to banks for implementation at different times of the year. It has been used to the maximum and it is hoped that with this method and the entry of new investors, it will cause the growth and prosperity of production and even in some cases, it will provide more employment.