Where are the resources and deposits of private banks spent?

According to the economic reporter of Fars news agency, comparing the performance of various types of state commercial banks, state specialized banks, privatized banks and private banks and credit institutions in March 1401 shows that the average performance of most private banks and credit institutions is low and there is a significant gap with other banks. have.

While the ratio of facilities to deposits of private banks and credit institutions was equal to 68% in March 1401, this ratio was recorded for specialized state banks at 141%, state commercial banks at 81% and privatized banks at 86%; The average performance of the banking network in this sector was 85.1%.

This statistic clearly reveals the lack of favor of private banks and credit institutions in granting facilities, considering that part of these facilities are for the production sector, supply of working capital, supply of raw materials and the rest to meet the essential needs and credit of depositors. is spent, the lack of work of private banks will cause a double pressure on the shoulders of state banks.

According to reports, the performance of some of these private banks is zero in a number of provinces, and the supervisory body should address this issue.

Of course, the performance statistics of private banks have improved compared to the last 2 years. In the latest statistics published earlier in July 1400, the ratio of facilities to deposits of private banks and credit institutions was equal to 63%, which shows that the strictness of the regulatory and upstream institutions in the last two years has caused private banks and credit institutions, While taking action to resolve the dissatisfactions, try to improve their performance and slightly improve the indicators.

But in general, despite the increased supervision of the regulatory and upstream institutions on the performance of the banking network and the modification of the procedure of some banks, there are still violations and deviations in the performance of a number of credit institutions and private banks.

It seems that the large investment of some banks in the real estate sector and the blocking of their resources has prevented them from fulfilling their inherent duty of granting facilities and attracting deposits, which should be revised.

Some statistics indicate the freezing of tens of billions of Tomans from banks’ resources in the real estate sector, which will be disastrous for the banking system.

Another thing that should be noted is that in addition to the low ratio of granting facilities, there are also concerns and uncertainties in the way and process of granting the current limited facilities by private banks and credit institutions.

The publication of news about the granting of large loans to the families of the board members of some banks, etc., makes it clear that in the amount of loans and facilities paid by some private banks and credit institutions, there are also big questions that must be addressed.

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