Expert memorandum by Tahmasb Mazaheri regarding the future of Bank Ayandeh following the memorandum by Abdi Media.

An additional note is that if dissolution is chosen, the necessary resources must be provided and paid in a lump sum, equivalent to the deposits, approximately 300 trillion tomans, from the Central Bank, which will be the monetary base, and the result of this will be about 2400 trillion tomans of new liquidity.

In addition, the visit of 7 million depositors the day after the announcement of the dissolution, and the ominous social effects that will accompany it, will also be among its grim consequences.

Given the unfavorable situation of several other banks, this social movement will have a 'domino' effect, and in this social climate and the dissatisfaction arising from inflation, it is unclear how far its impact will extend.

If bank reform is chosen, the necessary resources will gradually be provided from the bank's assets, provided that a knowledgeable and capable board of directors is chosen for the bank and it is agreed with them that they should not expect any money from the central bank.

One more point that should be considered is that, given the existence of the bank's assets outweighing its liabilities, the ultimate risk of shareholders suing the central bank and the government, along with a fair investigation, could lead to a conviction for the government's and the central bank's irresponsible actions.

This condemnation can have two aspects: First, the central bank, by misinterpreting and misinterpreting the accounting standards and conflicting its guidelines with the explicit text of the law on usury-free banking operations, has been preventing the recording of the bank's asset values at their fair prices and, instead, has classified the costs related to those assets as definitive expenses, creating an unreal and fabricated loss.

Secondly, regarding the appointment of its appointed managers, in the three years leading up to 1403 (2024), more than 200 trillion Toman in cash has been paid from the Central Bank to Bank Ayandeh. This action, which is incorrect and inappropriate, has deprived the appointed managers of the Central Bank of thinking about finding suitable solutions, and they have spent the effortless and hassle-free cash received from the Central Bank on the bank's current expenses, creating a very chaotic situation. The inflationary impact of this foolish decision has also added to the burden on the people and further bent their backs.

It cannot be said that those who write the dissolution decree have the goal of creating chaos in the country. It cannot even be said that they are aware of this very unfortunate event, but it can definitely be said that such a decision will bring about such a consequence.

Hasn't the time come to follow scientific, logical, and principled solutions to address the country's economic problems and avoid noise and hype? It surely has come.