In recent years and during the life of new Iranian government, Iran has opened up towards the rest of the world and made considerable progress towards a market economy. The process challenges the institutional capacity of the country. In this context, of course, the reorganization of the banking system is central. A system that despite being a century old, due to the flawed interest rate structure, the considerable repayment problems and the general lack of banking profitability, and its overall poor functioning and deficiencies, now is unable to efficiently intermediate financial resources. For an Iranian banker who sincerely hopes that his nation will take advantage of the country's growth potential, banking on the future potentials should be based on tomorrow's banking ideas. For private banking in future, the problem lingers on the legacy of the old structure, at least in countries like ours. The business of private banking commonly involves looking after high net worth individuals who first and for most seek confidentiality. These individual investors expect very attractive financial and related services and products. They may be both within the mainland of a country or outside, e.g., an offshore, where both bank have established corporations veiled in secrecy laws. In this type of banking, future banking or banking for tomorrow mainly involves ways and means of providing the required secrecy, and the methods of compensating these high net worth clients. In this article, I will provide the framework for future operation of banks as related to private banking, and try to delineate the future trends in this respect. Banks are aware of the importance of customer data to their continued existence. In future, their ability to provide innovative products and services to private clients will concentrate on the issue they are most interested in: privacy.

In this study based on the historical statistics of deposits of a private bank in four different categories, the purpose is to estimate the optimal share of the bank's quadrilateral deposits with the aim of minimizing the interest paid on these deposits and observing the limit of the bank's deposit matrix within the framework of the bank's upstream documents. To solve this optimization, optimization algorithms in Matlab Package have been used due to the nonlinear objective function. Initially, the results and data prediction for each of the bank deposits are based on previous data and using machine learning and regression methods in the relevant section. Then, by constructing the objective function and constraints and inserting the bank deposit and deposit data, the optimal deposit share is extracted using the internal point method. The results show that long-term stable sensitive deposit with expensive and then unstable current deposit sensitive to cheap business have the largest share in total bank deposits, which should be considered in the planning of bank deposits.

One the most crucial challenges of present economy of Iran is unemployment and the conducted studies show that unemployment can be reduced and productivity can be increase only by means of enhancement of investment. The main objective of this study is to survey the impact of awarded facilities and loans for enhancing the investment in private sector for the period of 1971-2003. In this regard, initially the theoretical principles of the subject will be considered and then the effective sectors on private investment will be considered. In this article the long and short term functions of investment have been estimated, by using co-integration model, and the effect of bank facilities on private investment will be shown. The results obtained by the estimation of long and short term functions in Iran shows that: bank facilities in private sector with %97 of coefficiency has the maximum positive influence on private investment and the capital commodities import with %44 coefficiency considered as the second effective variables on private investment.

Objective: Cord blood (CB) is a unique product, rich in haemopoietic stem cells (HSC), that is currently used in the transplantation setting to restore haemopoiesis in patients suffering from malignancies, bone marrow (BM) failure disorders and inherited metabolic and immunological disorders. Royan Cord Blood Bank (RCBB) was established in 2003 and it has cryopreserved about 4000 units according to parents submission.Materials and Methods: During delivery, cord blood was collected in cord blood collection bag with anticoagulant solution, and was shipped to RCBB in transporter flask. Cord Blood units were processed and cry preserved in presence of DMSO: Dexteran (10%: 1%) solution in controlled-rate freezer and were storage in liquid nitrogen. The number and viability of WBC, BFU-E, CFU-GM, CFU-MIX, and the absolute CD34+ cell count were assessed pre and post cryopreservation.Results: Based on stringent mother selection criteria, 2227 UCB units were collected from July 2005 to March 2006. All data from donors save in electronic databank and worksheet. Median values for specific Parameters pre cryopreservation were as follows: Median of volume: 90.31±29.22 ml (5% of units were processed <50 ml), TNC Count per unit: 346.9±193.59×106 (16.56%≥500×106), Viability: 98.3±1.17% and % CD34+ Cells was %0.46±0.20. A total 50 units were thawed after 6-12 months. Evaluation of viability for fresh was 97.72± 6.17 and freezed 84.28±6.04. Colony forming assay for fresh and freezed cells were 34.3±18.3 and 34.811.71±, respectively and %CD34 cells were %0.97±0.34 versus %0.76±0.37 pre and post cryopreservation, respectively.Conclusion: These data show that do not significantly affect the clonogenic potential and CD34+ Cells during the long term storage in liquid nitrogen. The results obtained during this initial period are encouraging and indicate that the UCB banking at RCBB will help to improve already existing hematopoietic cell transplant programs in Iran. The experience generated at RCBB may be helpful to other institutions, particularly those in developing countries.

After the emergence of private banks in Iran, due to its attractiveness, this industry has witnessed a rapid growth such banks. The abundance of private banks led to a very high pressure competitive environment and gave dissatisfied customers a chance to easily switch banks. On the other hand, the most important advantage of the competitive environment among the banks is to have more resources at a low risk. Losing customers to another bank is equivalent to a decrease in a bank's resources. Since the acquisition of new customers, costs much more in comparison to maintaining the existing ones, the banks try hard to keep their customers. Thus, customers churn predictions via analyzing their financial behavior and finding possible methods for preventing customer defection is crucial. This research utilizes the hierarchical K-means clustering technique for detection of customers’ churn and also applies Markov Chain model for calculating the probability of customer churning in the future. Using these techniques and financial data of an Iranian private bank, we build an example of this model that can predict the possibility of losing customers.

Properly managing the supply and demand for liquidity of banks, as the largest financial institution in the money market, by reducing deposits and other liabilities alongside the growth of a portfolio of loans, other assets, and off-balance sheet items is a challenging issue in banking risk management. Therefore, to continue banking activities and avoid the risks of lack of liquidity, liquidity management evaluates and controls liquidity risk. For this purpose, in the present study, it was attempted to design an appropriate model for predicting liquidity risk based on a parametric approach to control efficient and effective liquidity risk management. Accordingly, the liquidity at risk was calculated using the family of autoregressive conditional heteroskedasticity models. We used the daily data and facilities of a private bank in the period between September 23rd, 2010, to September 22nd, 2019, based on the concept of value at risk. The results of the evaluation of the utilized models, used by backtest, confirm the parametric approach in predicting daily bank risk liquidity.

Salvia bracteata is a permanent herb belongs to Lamiaceae family which wildely grows in some regions of Lorestan province. The aerial part of this plant was collected in postflowering stage from montains of North of Alashtar in Lorestan province. The air-dried samples were subjected to hydrodistillation using by Cleavenger apparatus for 2.5h ( in yield of 0.8%).The essential oil was analyzed by GC and GC/MS. Forty-six constituents representing 91.7% of the oil were identified. The major components of the oil were a- pinene (31.9%), myrcene(8.6%), limonene(8.1%), b-pinene(6.8%).