Violating banks are reported to the banks’ regulatory body

According to the monetary and financial news, quoting the public relations of the Central Bank, Mir Emadi, the director of the Central Bank Health System Health Assessment Office, added: .

He stressed that the Central Bank will follow up with disciplinary measures in case of violation by any central bank: ‌ In proportion to the percentage of banks violating the growth of the balance sheet of the bank’s legal deposit rate will increase. The introduction of the board of directors of the offending bank to the board of directors of the banks is also on the agenda, and if the bank fails to comply with the rules and regulations within one year, its board of directors will be introduced to the board of directors of the banks and sanctions will be imposed on them. .

Referring to the receipt of monthly reports to evaluate the indicators, he clarified: statistics and information are received and processed on a monthly basis, but the indicators report is reviewed and presented quarterly, and if a bank commits some balance sheet growth in a month more than The allowed limit gives him the opportunity to correct the process within two months, otherwise he will face punitive measures at the end of each season.

Mir Emadi, referring to the rapid growth of liquidity by banks before the issuance of a circular on controlling the balance sheet of banks and the actions of the Central Bank in this regard, said: Determining the allowable growth rate of some balance sheets We managed to stop the growth trend of banks’ balance sheets and the continuation of this trend will cause the central bank to have more control over the process of creating liquidity by banks.
Mir Emadi said: “The central bank’s program is targeted for liquidity and its distribution among banks will play an effective role in promoting the stability and health of the banking network.”

Referring to the 2% growth of the balance sheet for commercial banks and 2.5% for development banks, he added: “Banks have different positions in terms of stability and health indicators, and according to the regulations envisaged in the Central Bank, Banks with healthier stability and health index status are allowed to grow more level and banks that operate in unhealthy condition are allowed to grow less level.

The Director of the Banking System Health Assessment Office considers the capital adequacy indicators, the amount of banks’ overdrafts from the central bank, the amount of non-current receivables of banks, the central bank’s evaluation under CAMELS criteria and observance of anti-money laundering rules and regulations and other precautionary measures. Evaluate the performance of banks.

He said: the evaluation of banks is based on the indicators and the coefficients of each index and the amount of points earned in total, and the basis for the growth of the bank balance sheet is calculated based on the points earned. Monetary and banking operations are healthier and will be more likely to have a higher growth rate than banks with lower concessions. This issue will help the central bank in addition to achieving the goal of liquidity control in disciplining the state of banking activities and directing them to improve performance indicators.