Based on the statistics, we find that Ayandeh Bank is still at the top of the loss list. Ayandeh Bank, which is a private bank with a loss of 95.4 thousand billion Tomans, currently has the highest accumulated loss figure related to private and state banks. In addition, the bank, in its unaudited financial statements, announced by the end of 1400 that in 1400 alone, it had caused a loss of 27.9 thousand billion tomans.
The second largest loss after Ayandeh Bank goes to the National State Bank. This bank with 67 thousand and 524 billion tomans of accumulated losses until the end of 1399 and according to (last financial statement) was in the second place of the list. Private Capital Bank is also in the third place with 40 thousand and 188 billion Tomans accumulated losses. It is interesting to know that this bank only had a loss of six thousand and 733 billion tomans in 1400.
Banking expert, Mr. Bahauddin Hosseini Hashemi, regarding the duration of unconventional facilities of some banks, including the facilities of the Agricultural Bank to the State Trading Company, stated:
According to the Law on Interest-Free Banking, facilities over 60 months are only for Chanel plans and projects.
He also stressed:
The plan is likely to involve large companies such as automakers, petrochemicals, cement companies, mining companies, construction companies, or debtors with ongoing operations. These groups can benefit from a low-interest loan with a 40-year repayment period.
In this case, the bank will be closed if it decides to take possession instead of its debts; Therefore, banks usually have no choice but to extend the loan repayment period. Of course, in addition to these categories of loans and facilities, there may be fuel for any reason, or conditions such as the transfer or loss of the debtor unit may also arise. Bahauddin Hosseini Hashemi added:
The maximum time that can be considered for the facilities of the commercial sector is only one year. As a result, the term of the loan may be five months, but it is repetitive and continuous; Because the state-owned business continues to operate, it can receive facilities on an ongoing basis and repay within a few months.
Since this process is repetitive, the maximum amount can be considered for it. Hosseinieh Hashemi also explained about the single digit interest rates of the list of bank debtors that sometimes these facilities are paid from the funds available to the banks, trust funds or managed funds; This means that the state-owned company provides funds to the bank so that the bank can pay them to some subdivisions of the company as facilities. Since these funds do not belong to the bank itself, it will not cause a problem. It is worth noting that some loans can be provided in the form of Qarz al-Hasna or loans in deprived areas.