Summary of the assets and liabilities of the banking system Banking and insurance in Iran

in fy 2004 balance sheet of banking system showed total assets , liabilities us$165 billion, increase of 226 percent since 1976. in year, bank assets divided follows: private debt, 34 percent; government debt, 16 percent; , foreign assets (90 percent foreign exchange), 22 percent. liquidity funds (money , quasi-money) accounted more 39 percent of total liabilities. loan-to-deposit ratio 100.8% in 2011. in 2014 non-performing loan ratio reported around 18%. 2017, government required pay $12.5 billion domestic banks settle debts. new report shows assets of iranian banks increased whopping 40% in 2014.

in 2014, total capital of iranian banks reached unprecedented figure of 13.3 quadrillion irr ($480 billion), increase of 3.8 quadrillion irr ($138 billion) on 2013 (i.e. 17% increase on 2013). deposits in iranian banks 2014 reached 5.9 quadrillion irr ($214 billion) , loans paid public totaled 5 quadrillion irr ($183 billion). deposits indicate growth of 34% while loans 22% compared 2013.

(1) excludes commercial banks’ branches abroad. of march 2010, bank saderat iran, bank mellat, tejarat bank, , refah kargaran bank have been classified private banks.

as of september 2014,

assets: banks , financial institutions, total claims on public sector (government , governmental institutions) amounted 929 trillion irr ($34.8 billion), , total claims on non-public sector amounted 5412 trillion irr ($203 billion). ratio of claims on public sector claims on non-public sector 17.2% in september 2014, 15.6% 1 year before, , 13.4% 2 years before. trend suggests government using more bank resources previously, , banks getting more dependent on government’s solvency.

liabilities: deposits of non-public sector amounted 6245 trillion irr ($234 billion) of 78.4% term deposits; number 74.5% 1 year before , 73% 2 years before. trend towards more term deposits , less sight deposits result of higher cost of money, downward trend in inflation rate, , stability in economy. breakdown of term deposits shows 44 percent of term deposits short-term , rest long-term. in line these changes, taking @ yield curve last 5 years shows right side of curve has moved upward , left side has become steeper, making long-term deposits more attractive.