{"id":134281,"date":"2025-03-03T16:23:52","date_gmt":"2025-03-03T14:23:52","guid":{"rendered":"https:\/\/www.economyscopes.com\/?p=134281"},"modified":"2025-03-03T16:23:52","modified_gmt":"2025-03-03T14:23:52","slug":"%d9%85%d8%b5%d9%8a%d8%b1-%d8%a7%d9%84%d9%88%d8%af%d8%a7%d8%a6%d8%b9-%d9%85%d8%a7-%d9%84%d9%85-%d9%8a%d9%83%d8%b4%d9%81%d9%87-%d8%b5%d9%86%d9%91%d8%a7%d8%b9-%d8%a7%d9%84%d9%82%d8%b1%d8%a7%d8%b1","status":"publish","type":"post","link":"https:\/\/www.economyscopes.com\/?p=134281","title":{"rendered":"\u0645\u0635\u064a\u0631 \u0627\u0644\u0648\u062f\u0627\u0626\u0639: \u0645\u0627 \u0644\u0645 \u064a\u0643\u0634\u0641\u0647 \u0635\u0646\u0651\u0627\u0639 \u0627\u0644\u0642\u0631\u0627\u0631"},"content":{"rendered":"<h3><strong>\u0645\u0635\u064a\u0631 \u0627\u0644\u0648\u062f\u0627\u0626\u0639: \u0645\u0627 \u0644\u0645 \u064a\u0643\u0634\u0641\u0647 \u0635\u0646\u0651\u0627\u0639 \u0627\u0644\u0642\u0631\u0627\u0631<\/strong><\/h3>\n<p>\u0644\u0623\u0643\u062b\u0631 \u0645\u0646 \u0623\u0631\u0628\u0639 \u0633\u0646\u0648\u0627\u062a\u060c \u0638\u0644 \u0627\u0644\u0645\u0648\u062f\u0639\u0648\u0646 \u0631\u0647\u0627\u0626\u0646 \u0635\u0646\u0651\u0627\u0639 \u0627\u0644\u0642\u0631\u0627\u0631 \u0641\u064a \u0644\u0628\u0646\u0627\u0646. \u0645\u0627 \u0643\u0627\u0646 \u064a\u0639\u062a\u0628\u0631 \u0641\u064a \u0627\u0644\u0633\u0627\u0628\u0642 <strong>\u062d\u0642\u0627\u064b \u0645\u0627\u0644\u064a\u0627\u064b \u0623\u0633\u0627\u0633\u064a\u0627\u064b<\/strong> \u0623\u0635\u0628\u062d \u0627\u0644\u0622\u0646 \u0635\u0631\u0627\u0639\u0627\u064b \u0637\u0648\u064a\u0644\u0627\u064b \u0648\u0645\u0624\u0644\u0645\u0627\u064b \u0644\u0645\u0644\u0627\u064a\u064a\u0646 \u0627\u0644\u0623\u0634\u062e\u0627\u0635. \u0644\u0627 \u064a\u0632\u0627\u0644 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u0645\u0648\u062f\u0639\u064a\u0646 \u063a\u064a\u0631 \u0645\u062a\u0623\u0643\u062f\u064a\u0646 \u0645\u0645\u0627 \u0625\u0630\u0627 \u0643\u0627\u0646\u0648\u0627 \u0633\u064a\u0631\u0648\u0646 \u0623\u0645\u0648\u0627\u0644\u0647\u0645 \u0645\u0631\u0629 \u0623\u062e\u0631\u0649\u060c \u0628\u064a\u0646\u0645\u0627 \u064a\u0633\u062a\u0645\u0631 \u0635\u0646\u0651\u0627\u0639 \u0627\u0644\u0633\u064a\u0627\u0633\u0627\u062a \u0641\u064a <strong>\u062a\u0623\u062e\u064a\u0631 \u0627\u0644\u062d\u0644\u0648\u0644 \u0627\u0644\u0634\u0641\u0627\u0641\u0629<\/strong>. \u0648\u0628\u064a\u0646\u0645\u0627 \u064a\u0634\u0647\u062f \u0627\u0644\u0648\u0636\u0639 \u0627\u0644\u0645\u0627\u0644\u064a \u0641\u064a \u0644\u0628\u0646\u0627\u0646 \u0627\u0633\u062a\u0645\u0631\u0627\u0631 \u0627\u0644\u0623\u0632\u0645\u0627\u062a\u060c \u064a\u0638\u0644 \u0645\u0635\u064a\u0631 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0623\u0643\u0628\u0631 <strong>\u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629<\/strong> \u0627\u0644\u062a\u064a \u062a\u0648\u0627\u062c\u0647 \u0627\u0644\u0644\u0628\u0646\u0627\u0646\u064a\u064a\u0646 \u0627\u0644\u064a\u0648\u0645.<\/p>\n<p>\u0645\u0646 \u0628\u064a\u0646 \u0627\u0644\u0645\u0646\u0627\u0642\u0634\u0627\u062a \u0627\u0644\u0645\u062b\u064a\u0631\u0629 \u0644\u0644\u062c\u062f\u0644 \u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0633\u064a\u0627\u0642 \u0645\u0627 \u0623\u0635\u0628\u062d \u064a\u0639\u0631\u0641 \u0628\u0640 &#8220;<strong>\u0634\u0637\u0628 \u0627\u0644\u0648\u062f\u0627\u0626\u0639<\/strong>&#8221; (Deposits Write-Off). \u0645\u0627\u0630\u0627 \u064a\u0639\u0646\u064a \u0647\u0630\u0627 \u0641\u064a \u0627\u0644\u0648\u0627\u0642\u0639\u061f \u0647\u0644 \u0647\u0648 <strong>\u0645\u0628\u0631\u0631 \u0642\u0627\u0646\u0648\u0646\u064a\u0627\u064b \u0623\u0648 \u0645\u0627\u0644\u064a\u0627\u064b<\/strong>\u061f \u0648\u0627\u0644\u0623\u0647\u0645 \u0645\u0646 \u0630\u0644\u0643\u060c \u0647\u0644 \u0647\u0648 <strong>\u062d\u0644 \u0623\u062e\u0644\u0627\u0642\u064a<\/strong> \u0644\u0623\u0632\u0645\u0629 \u062e\u0644\u0642\u062a\u0647\u0627 \u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u063a\u064a\u0631 \u0627\u0644\u0645\u0633\u0624\u0648\u0644\u0629\u061f <strong>\u0634\u0637\u0628 \u0627\u0644\u0648\u062f\u0627\u0626\u0639<\/strong>\u060c \u0628\u064a\u0646 <strong>\u0639\u062c\u0632 \u0627\u0644\u0645\u0648\u062f\u0639<\/strong> \u0648<strong>\u0641\u0634\u0644 \u0623\u0635\u062d\u0627\u0628 \u0627\u0644\u0642\u0631\u0627\u0631<\/strong>. \u0644\u0646\u0633\u062a\u0643\u0634\u0641 \u0627\u0644\u0622\u0644\u064a\u0627\u062a \u0648\u0627\u0644\u0647\u0646\u062f\u0633\u0627\u062a \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u0629 \u0644\u062a\u0622\u0643\u0644 \u062b\u0631\u0648\u0627\u062a \u0627\u0644\u0645\u0648\u062f\u0639\u064a\u0646.<\/p>\n<h4><strong>\u0641\u064a \u0627\u0644\u0645\u062d\u0627\u0633\u0628\u0629 \u2013 Accounting<\/strong><\/h4>\n<p>\u0645\u0646 \u0627\u0644\u0646\u0627\u062d\u064a\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0644\u0645\u062d\u0627\u0633\u0628\u064a\u0629\u060c \u064a\u0645\u0643\u0646 \u0644\u0644\u0645\u0635\u0627\u0631\u0641\u060c \u0623\u0648 \u0623\u064a \u0645\u0624\u0633\u0633\u0629 \u062a\u062c\u0627\u0631\u064a\u0629\u060c <strong>\u0634\u0637\u0628 \u0645\u0648\u062c\u0648\u062f\u0627\u062a\u0647\u0627<\/strong> (Assets) \u0648\u0644\u0643\u0646 \u0644\u064a\u0633 \u0645\u0637\u0644\u0648\u0628\u0627\u062a\u0647\u0627 (Liabilities). \u062a\u064f\u0639\u062a\u0628\u0631 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0641\u064a \u0627\u0644\u0645\u0635\u0627\u0631\u0641 <strong>\u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a<\/strong> \u0644\u0623\u0646\u0647\u0627 \u062a\u0645\u062b\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0627\u0644\u0645\u0633\u062a\u062d\u0642\u0629 \u0644\u0644\u0639\u0645\u0644\u0627\u0621. \u0639\u0644\u0649 \u0639\u0643\u0633 <strong>\u0627\u0644\u0642\u0631\u0648\u0636 \u0627\u0644\u0645\u0639\u062f\u0648\u0645\u0629<\/strong> (\u0648\u0647\u064a \u0623\u0635\u0648\u0644 \u064a\u0645\u0643\u0646 \u0644\u0644\u0645\u0635\u0627\u0631\u0641 \u0623\u0646 \u062a\u0639\u0644\u0646 \u0623\u0646\u0647\u0627 \u063a\u064a\u0631 \u0642\u0627\u0628\u0644\u0629 \u0644\u0644\u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0648\u0634\u0637\u0628\u0647\u0627)\u060c \u062a\u0638\u0644 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0627\u0644\u062a\u0632\u0627\u0645\u0627\u064b \u0639\u0644\u0649 \u0627\u0644\u0645\u0635\u0631\u0641 \u062d\u062a\u0649 \u062a\u062a\u0645 \u062a\u0633\u0648\u064a\u062a\u0647\u0627 \u0623\u0648 \u0625\u0639\u0627\u062f\u0629 \u0647\u064a\u0643\u0644\u062a\u0647\u0627 \u0628\u0634\u0643\u0644 \u0642\u0627\u0646\u0648\u0646\u064a. \u0644\u0627 \u064a\u0645\u0643\u0646 \u0644\u0644\u0645\u0635\u0631\u0641 <strong>\u0634\u0637\u0628 \u0627\u0644\u0648\u062f\u0627\u0626\u0639<\/strong> \u0645\u0646 \u062c\u0627\u0646\u0628 \u0648\u0627\u062d\u062f \u0644\u0644\u0623\u0633\u0628\u0627\u0628 \u0627\u0644\u062a\u0627\u0644\u064a\u0629:<\/p>\n<ul>\n<li>\u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0647\u064a <strong>\u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a \u062a\u0639\u0627\u0642\u062f\u064a\u0629<\/strong> \u0628\u0645\u0648\u062c\u0628 \u0627\u0644\u0642\u0648\u0627\u0646\u064a\u0646 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0644\u0628\u0646\u0627\u0646\u064a\u0629 \u0648\u0627\u0644\u062f\u0648\u0644\u064a\u0629.<\/li>\n<li><strong>\u0634\u0637\u0628 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u062f\u0648\u0646 \u0645\u0648\u0627\u0641\u0642\u0629 \u0627\u0644\u0645\u0648\u062f\u0639<\/strong> \u0645\u0646 \u0634\u0623\u0646\u0647 \u0623\u0646 \u064a\u0646\u062a\u0647\u0643 \u0642\u0648\u0627\u0646\u064a\u0646 \u0627\u0644\u0645\u0644\u0643\u064a\u0629 \u0627\u0644\u062e\u0627\u0635\u0629.<\/li>\n<li>\u0642\u062f \u064a\u062a\u0646\u0627\u0642\u0636 \u0645\u0639 <strong>\u0645\u0639\u0627\u064a\u064a\u0631 \u0627\u0644\u0645\u062d\u0627\u0633\u0628\u0629 \u0627\u0644\u062f\u0648\u0644\u064a\u0629<\/strong> \u0645\u062b\u0644 \u0627\u0644\u0645\u0639\u0627\u064a\u064a\u0631 \u0627\u0644\u062f\u0648\u0644\u064a\u0629 \u0644\u0644\u0625\u0628\u0644\u0627\u063a \u0627\u0644\u0645\u0627\u0644\u064a (IFRS) \u0648\u0645\u0628\u0627\u062f\u0626 \u0627\u0644\u0645\u062d\u0627\u0633\u0628\u0629 \u0627\u0644\u0645\u0642\u0628\u0648\u0644\u0629 \u0639\u0645\u0648\u0645\u064b\u0627 (GAAP)\u060c \u0648\u0627\u0644\u062a\u064a \u062a\u0646\u0635 \u0639\u0644\u0649 \u062a\u0633\u0648\u064a\u0629 \u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a \u0623\u0648 \u0625\u0639\u0627\u062f\u0629 \u0647\u064a\u0643\u0644\u062a\u0647\u0627 \u0623\u0648 \u0625\u0628\u0631\u0627\u0621 \u0630\u0645\u062a\u0647\u0627 \u0628\u0634\u0643\u0644 \u0642\u0627\u0646\u0648\u0646\u064a.<\/li>\n<\/ul>\n<h4><strong>\u0643\u064a\u0641 \u064a\u0645\u0643\u0646 \u0644\u0644\u0645\u0635\u0627\u0631\u0641 \u062d\u0648\u0644 \u0627\u0644\u0639\u0627\u0644\u0645 \u062a\u0642\u0644\u064a\u0644 \u0642\u064a\u0645\u0629 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u062f\u0648\u0646 \u0634\u0637\u0628\u0647\u0627\u061f<\/strong><\/h4>\n<p>\u0646\u0638\u0631\u064b\u0627 \u0644\u0623\u0646 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0644\u0627 \u062a\u0633\u062a\u0637\u064a\u0639 <strong>\u0645\u062d\u0648 \u0627\u0644\u0648\u062f\u0627\u0626\u0639<\/strong> \u0628\u0634\u0643\u0644 \u0645\u0628\u0627\u0634\u0631\u060c \u0641\u0625\u0646\u0647\u0627 \u062a\u0633\u062a\u062e\u062f\u0645 <strong>\u0622\u0644\u064a\u0627\u062a \u063a\u064a\u0631 \u0645\u0628\u0627\u0634\u0631\u0629<\/strong> \u0644\u062a\u0642\u0644\u064a\u0644 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u062d\u0642\u064a\u0642\u064a\u0629 \u0644\u0644\u0648\u062f\u0627\u0626\u0639. \u062a\u062a\u0636\u0645\u0646 \u0647\u0630\u0647 \u0627\u0644\u0623\u0633\u0627\u0644\u064a\u0628 \u062a\u0642\u0646\u064a\u0627\u062a <strong>\u0627\u0644\u0647\u0646\u062f\u0633\u0629 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u0648\u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0648\u0627\u0644\u0645\u0627\u0644\u064a\u0629<\/strong> \u0627\u0644\u062a\u064a \u062a\u0641\u0631\u0636 \u062e\u0633\u0627\u0626\u0631 \u0639\u0644\u0649 \u0627\u0644\u0645\u0648\u062f\u0639\u064a\u0646 \u062f\u0648\u0646 \u0634\u0637\u0628 \u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a\u0647\u0645 \u0631\u0633\u0645\u064a\u064b\u0627.<\/p>\n<ol>\n<li><strong>\u0622\u0644\u064a\u0629 \u0627\u0644\u0643\u0641\u0627\u0644\u0629 (Bail-In):<\/strong> \u062a\u062d\u0648\u064a\u0644 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0625\u0644\u0649 \u0623\u0633\u0647\u0645 \u0645\u0635\u0631\u0641\u064a\u0629.<\/li>\n<li><strong>\u201c\u0627\u0644\u0644\u064a\u0644\u0631\u0629\u201d<\/strong> \u2013 \u0634\u0643\u0644 \u0645\u0646 \u0623\u0634\u0643\u0627\u0644 \u0627\u0644\u062a\u062e\u0641\u064a\u0636 \u0627\u0644\u062e\u0641\u064a \u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0648\u062f\u0627\u0626\u0639.<\/li>\n<li><strong>\u0627\u0644\u0625\u0641\u0644\u0627\u0633 \u0623\u0648 \u0627\u0644\u062a\u0635\u0641\u064a\u0629<\/strong> \u2013 \u0641\u064a \u062d\u0627\u0644 \u0643\u0627\u0646 \u0627\u0644\u0645\u0635\u0631\u0641 \u0645\u062a\u0639\u062b\u0631\u0627\u064b\u060c \u064a\u062a\u0645 \u062a\u0635\u0641\u064a\u0629 \u0627\u0644\u0623\u0635\u0648\u0644\u060c \u0648\u062a\u062e\u0633\u0631 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u062c\u0632\u0621\u0627\u064b \u0645\u0646 \u0642\u064a\u0645\u062a\u0647\u0627.<\/li>\n<\/ol>\n<h4><strong>\u0634\u0637\u0628 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0648 \u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629<\/strong><\/h4>\n<p>\u0642\u062f \u064a\u0643\u0648\u0646 <strong>\u0634\u0637\u0628 \u0627\u0644\u0648\u062f\u0627\u0626\u0639<\/strong> \u0623\u0645\u0631\u064b\u0627 \u0645\u0633\u062a\u062d\u064a\u0644\u064b\u0627 \u0642\u0627\u0646\u0648\u0646\u064a\u0627\u064b \u0646\u0638\u0631\u064b\u0627 \u0644\u0644\u062a\u0647\u062f\u064a\u062f\u0627\u062a \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u0627\u0644\u062a\u064a \u0642\u062f \u062a\u062d\u062f\u062b. <strong>\u0625\u0635\u062f\u0627\u0631 \u0642\u0627\u0646\u0648\u0646 \u0634\u0637\u0628 \u0627\u0644\u0648\u062f\u0627\u0626\u0639<\/strong> \u0642\u062f \u064a\u0624\u062f\u064a \u0625\u0644\u0649:<\/p>\n<ul>\n<li>\u0627\u0644\u0637\u0639\u0648\u0646 \u0627\u0644\u062f\u0633\u062a\u0648\u0631\u064a\u0629 \u0641\u064a \u0627\u0644\u0645\u062d\u0627\u0643\u0645 \u0627\u0644\u0644\u0628\u0646\u0627\u0646\u064a\u0629.<\/li>\n<li>\u062f\u0639\u0627\u0648\u0649 \u0627\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646 \u0645\u062d\u0644\u064a\u064b\u0627 \u0648\u062f\u0648\u0644\u064a\u064b\u0627.<\/li>\n<li>\u0627\u0644\u0645\u0632\u064a\u062f \u0645\u0646 <strong>\u062a\u0622\u0643\u0644 \u0627\u0644\u062b\u0642\u0629 \u0641\u064a \u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u0644\u0628\u0646\u0627\u0646\u064a<\/strong>.<\/li>\n<\/ul>\n<p>\u0639\u0644\u0649 \u0627\u0644\u0631\u063a\u0645 \u0645\u0646 \u0623\u0646 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0644\u0628\u0646\u0627\u0646\u064a\u0629 \u0644\u0645 \u062a\u0634\u0637\u0628 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0631\u0633\u0645\u064a\u064b\u0627\u060c \u0625\u0644\u0627 \u0623\u0646\u0647\u0627 \u0627\u0633\u062a\u062e\u062f\u0645\u062a <strong>\u0627\u0644\u0647\u0646\u062f\u0633\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629<\/strong>\u060c \u0628\u062a\u0648\u062c\u064a\u0647\u0627\u062a \u0645\u0646 <strong>\u0645\u0635\u0631\u0641 \u0644\u0628\u0646\u0627\u0646<\/strong> \u0645\u0646 \u062e\u0644\u0627\u0644 <strong>\u0627\u0644\u062a\u0639\u0627\u0645\u064a\u0645 \u0627\u0644\u0627\u0633\u062a\u062b\u0646\u0627\u0626\u064a\u0629<\/strong> \u0644\u062a\u0642\u0644\u064a\u0644 \u0642\u064a\u0645 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0628\u0645\u0631\u0648\u0631 \u0627\u0644\u0648\u0642\u062a.<\/p>\n<h4><strong>\u0627\u0644\u062e\u062a\u0627\u0645: \u0645\u0627 \u0647\u0648 \u0627\u0644\u062d\u0644\u061f<\/strong><\/h4>\n<p>\u0625\u0646 \u0623\u0632\u0645\u0629 <strong>\u0627\u0644\u0627\u0646\u0647\u064a\u0627\u0631 \u0627\u0644\u0645\u0627\u0644\u064a<\/strong> \u0641\u064a \u0644\u0628\u0646\u0627\u0646 \u0644\u0627 \u064a\u0645\u0643\u0646 \u0623\u0646 \u062a\u064f\u062d\u0644 \u0639\u0644\u0649 \u062d\u0633\u0627\u0628 \u0627\u0644\u0645\u0648\u062f\u0639\u064a\u0646 \u0648\u062d\u062f\u0647\u0645. \u0647\u0646\u0627\u0643 \u062d\u0627\u062c\u0629 \u0625\u0644\u0649 <strong>\u0646\u0647\u062c \u0634\u0641\u0627\u0641<\/strong> \u0648 <strong>\u062e\u0627\u0636\u0639 \u0644\u0644\u0645\u0633\u0627\u0621\u0644\u0629<\/strong> \u0644\u0627\u0633\u062a\u0639\u0627\u062f\u0629 \u0627\u0644\u062b\u0642\u0629 \u0641\u064a \u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0645\u0627\u0644\u064a \u0645\u0639 \u0636\u0645\u0627\u0646 <strong>\u062f\u0639\u0645 \u062d\u0642\u0648\u0642 \u0627\u0644\u0645\u0648\u062f\u0639\u064a\u0646<\/strong>. \u0648\u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u064a\u062c\u0628 \u0623\u0646 \u062a\u062a\u062e\u0630 \u062e\u0637\u0648\u0627\u062a \u0627\u0633\u062a\u0628\u0627\u0642\u064a\u0629 \u0644\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0639\u0645\u0644\u0627\u0626\u0647\u0627 \u0645\u0646 \u062e\u0644\u0627\u0644 \u062a\u0642\u062f\u064a\u0645 <strong>\u062a\u062d\u062f\u064a\u062b\u0627\u062a \u0648\u0627\u0636\u062d\u0629 \u0648\u0634\u0641\u0627\u0641\u0629<\/strong> \u062d\u0648\u0644 \u0622\u0644\u064a\u0627\u062a \u062a\u0637\u0645\u0626\u0646 \u0627\u0644\u0645\u0648\u062f\u0639\u064a\u0646 \u0625\u0644\u0649 \u0623\u0645\u0648\u0627\u0644\u0647\u0645.<\/p>\n<hr \/>\n<h3 dir=\"ltr\"><strong>The Fate of Deposits: What Decision-Makers Have Not Revealed<\/strong><\/h3>\n<p dir=\"ltr\">For more than four years, depositors have been held hostage by decision-makers. What was once considered a <strong>fundamental financial right<\/strong> has now become a long and painful struggle for millions of people. Many depositors remain uncertain whether they will ever see their money again, while policymakers continue to delay transparent solutions. Among the most contentious discussions is what has come to be known as <strong>\u201cDeposits Write-Off.\u201d<\/strong> What does this actually mean? Is it legally or financially justified? More importantly, is it an <strong>ethical solution<\/strong> to an issue created by irresponsible financial management? <strong>Deposits Write-Off<\/strong>, between <strong>the depositor's helplessness<\/strong> and <strong>decision-makers' failure<\/strong>. Let\u2019s explore the mechanisms and engineering used to erode depositor wealth.<\/p>\n<h4 dir=\"ltr\"><strong>In Accounting<\/strong><\/h4>\n<p dir=\"ltr\">From a financial and accounting perspective, banks, or any commercial institution, can write off their <strong>assets<\/strong>, but not their <strong>liabilities<\/strong>. Deposits in banks are considered <strong>liabilities<\/strong> because they represent money owed to customers. Unlike <strong>bad loans<\/strong> (assets that banks can declare non-recoverable and write off), deposits remain a liability for the bank until they are settled or restructured legally. A bank cannot <strong>write off deposits<\/strong> unilaterally for the following reasons:<\/p>\n<ul dir=\"ltr\">\n<li>Deposits are <strong>contractual liabilities<\/strong> under Lebanese and international financial laws.<\/li>\n<li><strong>Writing off deposits without depositor consent<\/strong> would violate property rights laws.<\/li>\n<li>It may contradict <strong>international accounting standards<\/strong> such as IFRS and GAAP, which stipulate settlement or restructuring of liabilities legally.<\/li>\n<\/ul>\n<h4 dir=\"ltr\"><strong>How Can Banks Worldwide Reduce Depositors\u2019 Balances Without Writing Them Off?<\/strong><\/h4>\n<p dir=\"ltr\">Since banks cannot directly <strong>write off deposits<\/strong>, they use <strong>indirect mechanisms<\/strong> to reduce the real value of deposits. These methods include legal, regulatory, and financial engineering techniques that impose losses on depositors without officially writing off their obligations.<\/p>\n<ol dir=\"ltr\">\n<li><strong>Bail-In Mechanism:<\/strong> Converting large deposits into bank shares.<\/li>\n<li><strong>&#8220;Lirarization&#8221;<\/strong> \u2013 A form of hidden depreciation of deposit value.<\/li>\n<li><strong>Bankruptcy or Liquidation<\/strong> \u2013 If the bank is insolvent, deposits will lose part of their value.<\/li>\n<\/ol>\n<h4 dir=\"ltr\"><strong>Deposits Write-Off and Legal Challenges<\/strong><\/h4>\n<p dir=\"ltr\">The <strong>Deposits Write-Off<\/strong> process is legally impossible due to the legal threats it may invoke. <strong>Passing a law to write off deposits<\/strong> could lead to:<\/p>\n<ul dir=\"ltr\">\n<li>Constitutional challenges in Lebanese courts.<\/li>\n<li>Lawsuits from local and international investors.<\/li>\n<li>Further <strong>erosion of confidence<\/strong> in Lebanon\u2019s financial system.<\/li>\n<\/ul>\n<p dir=\"ltr\">Although Lebanese banks have not officially written off deposits, they have used <strong>financial engineering<\/strong>, under the guidance of <strong>Lebanon\u2019s Central Bank<\/strong> through <strong>exceptional circulars<\/strong>, to reduce the value of deposits over time.<\/p>\n<h4 dir=\"ltr\"><strong>Conclusion: What Is the Solution?<\/strong><\/h4>\n<p dir=\"ltr\">The <strong>financial collapse<\/strong> crisis in Lebanon cannot be solved at the expense of depositors alone. A <strong>transparent<\/strong> and <strong>accountable approach<\/strong> is needed to restore confidence in the financial system while ensuring the <strong>protection of depositors' rights<\/strong>. Banks must take proactive steps to engage their customers through providing <strong>clear and transparent updates<\/strong> on the mechanisms that reassure depositors about their funds.<\/p>\n<hr \/>\n<p>Translated by economyscopes team<\/p>\n<p>\u0627\u0644\u0645\u0635\u062f\u0631: \u0645\u062d\u0645\u062f \u0641\u062d\u064a\u0644\u064a &#8211; \u0646\u062f\u0627\u0621 \u0627\u0644\u0648\u0637\u0646<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0645\u0635\u064a\u0631 \u0627\u0644\u0648\u062f\u0627\u0626\u0639: \u0645\u0627 \u0644\u0645 \u064a\u0643\u0634\u0641\u0647 \u0635\u0646\u0651\u0627\u0639 \u0627\u0644\u0642\u0631\u0627\u0631 \u0644\u0623\u0643\u062b\u0631 \u0645\u0646 \u0623\u0631\u0628\u0639 \u0633\u0646\u0648\u0627\u062a\u060c \u0638\u0644 \u0627\u0644\u0645\u0648\u062f\u0639\u0648\u0646 \u0631\u0647\u0627\u0626\u0646 \u0635\u0646\u0651\u0627\u0639 \u0627\u0644\u0642\u0631\u0627\u0631 \u0641\u064a \u0644\u0628\u0646\u0627\u0646. \u0645\u0627 \u0643\u0627\u0646 \u064a\u0639\u062a\u0628\u0631 \u0641\u064a \u0627\u0644\u0633\u0627\u0628\u0642 \u062d\u0642\u0627\u064b \u0645\u0627\u0644\u064a\u0627\u064b \u0623\u0633\u0627\u0633\u064a\u0627\u064b \u0623\u0635\u0628\u062d \u0627\u0644\u0622\u0646 \u0635\u0631\u0627\u0639\u0627\u064b \u0637\u0648\u064a\u0644\u0627\u064b \u0648\u0645\u0624\u0644\u0645\u0627\u064b \u0644\u0645\u0644\u0627\u064a\u064a\u0646 \u0627\u0644\u0623\u0634\u062e\u0627\u0635. \u0644\u0627 \u064a\u0632\u0627\u0644 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u0645\u0648\u062f\u0639\u064a\u0646 \u063a\u064a\u0631 \u0645\u062a\u0623\u0643\u062f\u064a\u0646 \u0645\u0645\u0627 \u0625\u0630\u0627 \u0643\u0627\u0646\u0648\u0627 \u0633\u064a\u0631\u0648\u0646 \u0623\u0645\u0648\u0627\u0644\u0647\u0645 \u0645\u0631\u0629 \u0623\u062e\u0631\u0649\u060c \u0628\u064a\u0646\u0645\u0627 \u064a\u0633\u062a\u0645\u0631 \u0635\u0646\u0651\u0627\u0639 \u0627\u0644\u0633\u064a\u0627\u0633\u0627\u062a \u0641\u064a \u062a\u0623\u062e\u064a\u0631 \u0627\u0644\u062d\u0644\u0648\u0644 \u0627\u0644\u0634\u0641\u0627\u0641\u0629. &hellip;<\/p>\n","protected":false},"author":1,"featured_media":109807,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_mi_skip_tracking":false,"jetpack_post_was_ever_published":false,"footnotes":""},"categories":[1],"tags":[32022,38514,38519,38515,18883,20229,28662,38520,24781,24,28099,23391,38516,38521,38517,38518,38513,24772,16813,38508,28672,38510,24763,1072,38512,24692,35373,38509,38511,374,38507,38522],"class_list":["post-134281","post","type-post","status-publish","format-standard","has-post-thumbnail","","category-1","tag-depositors-rights","tag-deposits-write-off","tag-erosion-of-depositor-wealth","tag-fate-of-deposits","tag-financial-crisis-lebanon","tag-financial-engineering","tag-financial-protection-lebanon","tag-financial-system-stability","tag-lebanese-depositors","tag-lebanese-economy","tag-lebanese-financial-policies","tag-lebanon-central-bank","tag-manipulation-of-deposits","tag-the-fate-of-deposits-what-decision-makers-have-not-revealed","tag-writing-off-deposits-in-lebanon","tag-writing-off-deposits-legally","tag-38513","tag-24772","tag-16813","tag-38508","tag-28672","tag-38510","tag-24763","tag-1072","tag-38512","tag-24692","tag-35373","tag-38509","tag-38511","tag-374","tag-38507","tag-38522"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.6 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>\u0645\u0635\u064a\u0631 \u0627\u0644\u0648\u062f\u0627\u0626\u0639: \u0645\u0627 \u0644\u0645 \u064a\u0643\u0634\u0641\u0647 \u0635\u0646\u0651\u0627\u0639 \u0627\u0644\u0642\u0631\u0627\u0631 - \u0633\u0643\u0648\u0628\u0627\u062a \u0639\u0627\u0644\u0645\u064a\u0629 \u0625\u0642\u062a\u0635\u0627\u062f\u064a\u0629 - EconomyScopes<\/title>\n<meta name=\"description\" content=\"\u0627\u062e\u0628\u0627\u0631 \u0644\u0628\u0646\u0627\u0646 \u0627\u0644\u0625\u0642\u062a\u0635\u0627\u062f\u064a\u0629 - \u0645\u0635\u064a\u0631 \u0627\u0644\u0648\u062f\u0627\u0626\u0639: \u0645\u0627 \u0644\u0645 \u064a\u0643\u0634\u0641\u0647 \u0635\u0646\u0651\u0627\u0639 \u0627\u0644\u0642\u0631\u0627\u0631 - \u0633\u0643\u0648\u0628\u0627\u062a \u0639\u0627\u0644\u0645\u064a\u0629 \u0625\u0642\u062a\u0635\u0627\u062f\u064a\u0629 - EconomyScopes\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.economyscopes.com\/?p=134281\" \/>\n<meta property=\"og:locale\" content=\"ar_AR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u0645\u0635\u064a\u0631 \u0627\u0644\u0648\u062f\u0627\u0626\u0639: \u0645\u0627 \u0644\u0645 \u064a\u0643\u0634\u0641\u0647 \u0635\u0646\u0651\u0627\u0639 \u0627\u0644\u0642\u0631\u0627\u0631 - \u0633\u0643\u0648\u0628\u0627\u062a \u0639\u0627\u0644\u0645\u064a\u0629 \u0625\u0642\u062a\u0635\u0627\u062f\u064a\u0629 - EconomyScopes\" \/>\n<meta property=\"og:description\" content=\"\u0627\u062e\u0628\u0627\u0631 \u0644\u0628\u0646\u0627\u0646 \u0627\u0644\u0625\u0642\u062a\u0635\u0627\u062f\u064a\u0629 - \u0633\u0643\u0648\u0628\u0627\u062a \u0639\u0627\u0644\u0645\u064a\u0629 \u0625\u0642\u062a\u0635\u0627\u062f\u064a\u0629 - EconomyScopes\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.economyscopes.com\/?p=134281\" \/>\n<meta property=\"og:site_name\" content=\"\u0633\u0643\u0648\u0628\u0627\u062a \u0639\u0627\u0644\u0645\u064a\u0629 \u0625\u0642\u062a\u0635\u0627\u062f\u064a\u0629 - EconomyScopes\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/EconomyScopes\" \/>\n<meta property=\"article:published_time\" content=\"2025-03-03T14:23:52+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.economyscopes.com\/wp-content\/uploads\/2023\/02\/The-dollar-price-in-all-banks-will-be-one-below-Tk90-1-1.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1300\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Mohamad Jamous\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@economyscopes\" \/>\n<meta name=\"twitter:site\" content=\"@economyscopes\" \/>\n<meta name=\"twitter:label1\" content=\"\u0643\u064f\u062a\u0628 \u0628\u0648\u0627\u0633\u0637\u0629\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mohamad Jamous\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u0648\u0642\u062a \u0627\u0644\u0642\u0631\u0627\u0621\u0629 \u0627\u0644\u0645\u064f\u0642\u062f\u0651\u0631\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 \u062f\u0642\u0627\u0626\u0642\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.economyscopes.com\\\/?p=134281#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.economyscopes.com\\\/?p=134281\"},\"author\":{\"name\":\"Mohamad Jamous\",\"@id\":\"https:\\\/\\\/www.economyscopes.com\\\/#\\\/schema\\\/person\\\/de94d69cdd73f2cae5f4db3cf2405f4c\"},\"headline\":\"\u0645\u0635\u064a\u0631 \u0627\u0644\u0648\u062f\u0627\u0626\u0639: \u0645\u0627 \u0644\u0645 \u064a\u0643\u0634\u0641\u0647 \u0635\u0646\u0651\u0627\u0639 \u0627\u0644\u0642\u0631\u0627\u0631\",\"datePublished\":\"2025-03-03T14:23:52+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.economyscopes.com\\\/?p=134281\"},\"wordCount\":477,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.economyscopes.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.economyscopes.com\\\/?p=134281#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/i0.wp.com\\\/www.economyscopes.com\\\/wp-content\\\/uploads\\\/2023\\\/02\\\/The-dollar-price-in-all-banks-will-be-one-below-Tk90-1-1.webp?fit=1300%2C720&ssl=1\",\"keywords\":[\"depositors' rights\",\"Deposits Write-Off\",\"Erosion of depositor wealth\",\"Fate of deposits\",\"Financial Crisis Lebanon\",\"Financial Engineering\",\"financial protection Lebanon\",\"Financial system stability\",\"Lebanese depositors\",\"Lebanese Economy\",\"Lebanese financial policies\",\"Lebanon Central Bank\",\"Manipulation of deposits\",\"The Fate of Deposits: What Decision-Makers Have Not Revealed\",\"Writing off deposits in Lebanon\",\"Writing off deposits legally\",\"\u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0645\u0627\u0644\u064a\",\"\u0627\u0644\u0623\u0632\u0645\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0641\u064a \u0644\u0628\u0646\u0627\u0646\",\"\u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u0644\u0628\u0646\u0627\u0646\u064a\",\"\u0627\u0644\u062a\u0644\u0627\u0639\u0628 \u0628\u0627\u0644\u0648\u062f\u0627\u0626\u0639\",\"\u0627\u0644\u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0641\u064a \u0644\u0628\u0646\u0627\u0646\",\"\u0627\u0644\u0633\u064a\u0627\u0633\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0644\u0628\u0646\u0627\u0646\u064a\u0629\",\"\u0627\u0644\u0645\u0648\u062f\u0639\u064a\u0646 \u0641\u064a \u0644\u0628\u0646\u0627\u0646\",\"\u0627\u0644\u0647\u0646\u062f\u0633\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629\",\"\u062a\u0622\u0643\u0644 \u062b\u0631\u0648\u0627\u062a \u0627\u0644\u0645\u0648\u062f\u0639\u064a\u0646\",\"\u062d\u0642\u0648\u0642 \u0627\u0644\u0645\u0648\u062f\u0639\u064a\u0646\",\"\u0634\u0637\u0628 \u0627\u0644\u0648\u062f\u0627\u0626\u0639\",\"\u0634\u0637\u0628 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0641\u064a \u0644\u0628\u0646\u0627\u0646\",\"\u0634\u0637\u0628 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0642\u0627\u0646\u0648\u0646\u064a\u0627\u064b\",\"\u0645\u0635\u0631\u0641 \u0644\u0628\u0646\u0627\u0646\",\"\u0645\u0635\u064a\u0631 \u0627\u0644\u0648\u062f\u0627\u0626\u0639\",\"\u0645\u0635\u064a\u0631 \u0627\u0644\u0648\u062f\u0627\u0626\u0639: \u0645\u0627 \u0644\u0645 \u064a\u0643\u0634\u0641\u0647 \u0635\u0646\u0651\u0627\u0639 \u0627\u0644\u0642\u0631\u0627\u0631\"],\"articleSection\":[\"\u0627\u062e\u0628\u0627\u0631 \u0644\u0628\u0646\u0627\u0646 \u0627\u0644\u0625\u0642\u062a\u0635\u0627\u062f\u064a\u0629\"],\"inLanguage\":\"ar\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.economyscopes.com\\\/?p=134281#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.economyscopes.com\\\/?p=134281\",\"url\":\"https:\\\/\\\/www.economyscopes.com\\\/?p=134281\",\"name\":\"\u0645\u0635\u064a\u0631 \u0627\u0644\u0648\u062f\u0627\u0626\u0639: \u0645\u0627 \u0644\u0645 \u064a\u0643\u0634\u0641\u0647 \u0635\u0646\u0651\u0627\u0639 \u0627\u0644\u0642\u0631\u0627\u0631 - \u0633\u0643\u0648\u0628\u0627\u062a \u0639\u0627\u0644\u0645\u064a\u0629 \u0625\u0642\u062a\u0635\u0627\u062f\u064a\u0629 - EconomyScopes\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.economyscopes.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.economyscopes.com\\\/?p=134281#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.economyscopes.com\\\/?p=134281#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/i0.wp.com\\\/www.economyscopes.com\\\/wp-content\\\/uploads\\\/2023\\\/02\\\/The-dollar-price-in-all-banks-will-be-one-below-Tk90-1-1.webp?fit=1300%2C720&ssl=1\",\"datePublished\":\"2025-03-03T14:23:52+00:00\",\"description\":\"\u0627\u062e\u0628\u0627\u0631 \u0644\u0628\u0646\u0627\u0646 \u0627\u0644\u0625\u0642\u062a\u0635\u0627\u062f\u064a\u0629 - \u0645\u0635\u064a\u0631 \u0627\u0644\u0648\u062f\u0627\u0626\u0639: \u0645\u0627 \u0644\u0645 \u064a\u0643\u0634\u0641\u0647 \u0635\u0646\u0651\u0627\u0639 \u0627\u0644\u0642\u0631\u0627\u0631 - \u0633\u0643\u0648\u0628\u0627\u062a \u0639\u0627\u0644\u0645\u064a\u0629 \u0625\u0642\u062a\u0635\u0627\u062f\u064a\u0629 - EconomyScopes\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.economyscopes.com\\\/?p=134281#breadcrumb\"},\"inLanguage\":\"ar\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.economyscopes.com\\\/?p=134281\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ar\",\"@id\":\"https:\\\/\\\/www.economyscopes.com\\\/?p=134281#primaryimage\",\"url\":\"https:\\\/\\\/i0.wp.com\\\/www.economyscopes.com\\\/wp-content\\\/uploads\\\/2023\\\/02\\\/The-dollar-price-in-all-banks-will-be-one-below-Tk90-1-1.webp?fit=1300%2C720&ssl=1\",\"contentUrl\":\"https:\\\/\\\/i0.wp.com\\\/www.economyscopes.com\\\/wp-content\\\/uploads\\\/2023\\\/02\\\/The-dollar-price-in-all-banks-will-be-one-below-Tk90-1-1.webp?fit=1300%2C720&ssl=1\",\"width\":1300,\"height\":720,\"caption\":\"The dollar price in all banks will be one below Tk90 1 1\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.economyscopes.com\\\/?p=134281#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.economyscopes.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"\u0645\u0635\u064a\u0631 \u0627\u0644\u0648\u062f\u0627\u0626\u0639: \u0645\u0627 \u0644\u0645 \u064a\u0643\u0634\u0641\u0647 \u0635\u0646\u0651\u0627\u0639 \u0627\u0644\u0642\u0631\u0627\u0631\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.economyscopes.com\\\/#website\",\"url\":\"https:\\\/\\\/www.economyscopes.com\\\/\",\"name\":\"Economyscopes - \u0645\u0648\u0642\u0639 \u0633\u0643\u0648\u0628\u0627\u062a \u0639\u0627\u0644\u0645\u064a\u0629 \u0625\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u0644\u0644\u0623\u062e\u0628\u0627\u0631 \u0648\u0641\u0631\u0635 \u0627\u0644\u0639\u0645\u0644\",\"description\":\"\u0625\u062c\u0639\u0644 \u0645\u0648\u0642\u0639\u0646\u0627 \u062e\u064a\u0627\u0631\u0643 \u0648\u0645\u0635\u062f\u0631\u0643 \u0627\u0644\u0623\u0646\u0633\u0628 \u0644\u0644\u0623\u062e\u0628\u0627\u0631 \u0627\u0644\u0625\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u0627\u0644\u0645\u062d\u0644\u064a\u0629 \u0648\u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0648\u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629 \u0639\u0644\u0649 \u0623\u0646\u0648\u0627\u0639\u0647\u0627 \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0627\u0644\u0649 \u0646\u0634\u0631 \u0645\u062c\u0645\u0648\u0639\u0629 \u0644\u0627 \u0628\u0623\u0633 \u0628\u0647\u0627 \u0645\u0646 \u0641\u0631\u0635 \u0627\u0644\u0639\u0645\u0644 \u0641\u064a \u0644\u0628\u0646\u0627\u0646 \u0648\u0627\u0644\u0634\u0631\u0642 \u0627\u0644\u0623\u0648\u0633\u0637 \u0648\u0627\u0644\u0639\u0627\u0644\u0645\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.economyscopes.com\\\/#organization\"},\"alternateName\":\"Economy Scopes News\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.economyscopes.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ar\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.economyscopes.com\\\/#organization\",\"name\":\"Economy Scopes - \u0633\u0643\u0648\u0628\u0627\u062a \u0625\u0642\u062a\u0635\u0627\u062f\u064a\u0629\",\"url\":\"https:\\\/\\\/www.economyscopes.com\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ar\",\"@id\":\"https:\\\/\\\/www.economyscopes.com\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/i0.wp.com\\\/www.economyscopes.com\\\/wp-content\\\/uploads\\\/2021\\\/03\\\/cropped-EconomyScopesLogo.jpg?fit=512%2C512&ssl=1\",\"contentUrl\":\"https:\\\/\\\/i0.wp.com\\\/www.economyscopes.com\\\/wp-content\\\/uploads\\\/2021\\\/03\\\/cropped-EconomyScopesLogo.jpg?fit=512%2C512&ssl=1\",\"width\":512,\"height\":512,\"caption\":\"Economy Scopes - \u0633\u0643\u0648\u0628\u0627\u062a \u0625\u0642\u062a\u0635\u0627\u062f\u064a\u0629\"},\"image\":{\"@id\":\"https:\\\/\\\/www.economyscopes.com\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/EconomyScopes\",\"https:\\\/\\\/x.com\\\/economyscopes\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.economyscopes.com\\\/#\\\/schema\\\/person\\\/de94d69cdd73f2cae5f4db3cf2405f4c\",\"name\":\"Mohamad Jamous\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ar\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/13c40bda8d5a3e48fd63a86532dcb3cd0f6e2eb8d2e43930071c003b58ac371b?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/13c40bda8d5a3e48fd63a86532dcb3cd0f6e2eb8d2e43930071c003b58ac371b?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/13c40bda8d5a3e48fd63a86532dcb3cd0f6e2eb8d2e43930071c003b58ac371b?s=96&d=mm&r=g\",\"caption\":\"Mohamad Jamous\"},\"sameAs\":[\"https:\\\/\\\/www.economyscopes.com\"],\"url\":\"https:\\\/\\\/www.economyscopes.com\\\/?author=1\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"\u0645\u0635\u064a\u0631 \u0627\u0644\u0648\u062f\u0627\u0626\u0639: \u0645\u0627 \u0644\u0645 \u064a\u0643\u0634\u0641\u0647 \u0635\u0646\u0651\u0627\u0639 \u0627\u0644\u0642\u0631\u0627\u0631 - \u0633\u0643\u0648\u0628\u0627\u062a \u0639\u0627\u0644\u0645\u064a\u0629 \u0625\u0642\u062a\u0635\u0627\u062f\u064a\u0629 - EconomyScopes","description":"\u0627\u062e\u0628\u0627\u0631 \u0644\u0628\u0646\u0627\u0646 \u0627\u0644\u0625\u0642\u062a\u0635\u0627\u062f\u064a\u0629 - \u0645\u0635\u064a\u0631 \u0627\u0644\u0648\u062f\u0627\u0626\u0639: \u0645\u0627 \u0644\u0645 \u064a\u0643\u0634\u0641\u0647 \u0635\u0646\u0651\u0627\u0639 \u0627\u0644\u0642\u0631\u0627\u0631 - \u0633\u0643\u0648\u0628\u0627\u062a \u0639\u0627\u0644\u0645\u064a\u0629 \u0625\u0642\u062a\u0635\u0627\u062f\u064a\u0629 - EconomyScopes","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.economyscopes.com\/?p=134281","og_locale":"ar_AR","og_type":"article","og_title":"\u0645\u0635\u064a\u0631 \u0627\u0644\u0648\u062f\u0627\u0626\u0639: \u0645\u0627 \u0644\u0645 \u064a\u0643\u0634\u0641\u0647 \u0635\u0646\u0651\u0627\u0639 \u0627\u0644\u0642\u0631\u0627\u0631 - \u0633\u0643\u0648\u0628\u0627\u062a \u0639\u0627\u0644\u0645\u064a\u0629 \u0625\u0642\u062a\u0635\u0627\u062f\u064a\u0629 - EconomyScopes","og_description":"\u0627\u062e\u0628\u0627\u0631 \u0644\u0628\u0646\u0627\u0646 \u0627\u0644\u0625\u0642\u062a\u0635\u0627\u062f\u064a\u0629 - \u0633\u0643\u0648\u0628\u0627\u062a \u0639\u0627\u0644\u0645\u064a\u0629 \u0625\u0642\u062a\u0635\u0627\u062f\u064a\u0629 - EconomyScopes","og_url":"https:\/\/www.economyscopes.com\/?p=134281","og_site_name":"\u0633\u0643\u0648\u0628\u0627\u062a \u0639\u0627\u0644\u0645\u064a\u0629 \u0625\u0642\u062a\u0635\u0627\u062f\u064a\u0629 - EconomyScopes","article_publisher":"https:\/\/www.facebook.com\/EconomyScopes","article_published_time":"2025-03-03T14:23:52+00:00","og_image":[{"width":1300,"height":720,"url":"https:\/\/www.economyscopes.com\/wp-content\/uploads\/2023\/02\/The-dollar-price-in-all-banks-will-be-one-below-Tk90-1-1.webp","type":"image\/webp"}],"author":"Mohamad Jamous","twitter_card":"summary_large_image","twitter_creator":"@economyscopes","twitter_site":"@economyscopes","twitter_misc":{"\u0643\u064f\u062a\u0628 \u0628\u0648\u0627\u0633\u0637\u0629":"Mohamad Jamous","\u0648\u0642\u062a \u0627\u0644\u0642\u0631\u0627\u0621\u0629 \u0627\u0644\u0645\u064f\u0642\u062f\u0651\u0631":"7 \u062f\u0642\u0627\u0626\u0642"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.economyscopes.com\/?p=134281#article","isPartOf":{"@id":"https:\/\/www.economyscopes.com\/?p=134281"},"author":{"name":"Mohamad Jamous","@id":"https:\/\/www.economyscopes.com\/#\/schema\/person\/de94d69cdd73f2cae5f4db3cf2405f4c"},"headline":"\u0645\u0635\u064a\u0631 \u0627\u0644\u0648\u062f\u0627\u0626\u0639: \u0645\u0627 \u0644\u0645 \u064a\u0643\u0634\u0641\u0647 \u0635\u0646\u0651\u0627\u0639 \u0627\u0644\u0642\u0631\u0627\u0631","datePublished":"2025-03-03T14:23:52+00:00","mainEntityOfPage":{"@id":"https:\/\/www.economyscopes.com\/?p=134281"},"wordCount":477,"commentCount":0,"publisher":{"@id":"https:\/\/www.economyscopes.com\/#organization"},"image":{"@id":"https:\/\/www.economyscopes.com\/?p=134281#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/www.economyscopes.com\/wp-content\/uploads\/2023\/02\/The-dollar-price-in-all-banks-will-be-one-below-Tk90-1-1.webp?fit=1300%2C720&ssl=1","keywords":["depositors' rights","Deposits Write-Off","Erosion of depositor wealth","Fate of deposits","Financial Crisis Lebanon","Financial Engineering","financial protection Lebanon","Financial system stability","Lebanese depositors","Lebanese Economy","Lebanese financial policies","Lebanon Central Bank","Manipulation of deposits","The Fate of Deposits: What Decision-Makers Have Not Revealed","Writing off deposits in Lebanon","Writing off deposits legally","\u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0645\u0627\u0644\u064a","\u0627\u0644\u0623\u0632\u0645\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0641\u064a \u0644\u0628\u0646\u0627\u0646","\u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u0644\u0628\u0646\u0627\u0646\u064a","\u0627\u0644\u062a\u0644\u0627\u0639\u0628 \u0628\u0627\u0644\u0648\u062f\u0627\u0626\u0639","\u0627\u0644\u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0641\u064a \u0644\u0628\u0646\u0627\u0646","\u0627\u0644\u0633\u064a\u0627\u0633\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0644\u0628\u0646\u0627\u0646\u064a\u0629","\u0627\u0644\u0645\u0648\u062f\u0639\u064a\u0646 \u0641\u064a \u0644\u0628\u0646\u0627\u0646","\u0627\u0644\u0647\u0646\u062f\u0633\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629","\u062a\u0622\u0643\u0644 \u062b\u0631\u0648\u0627\u062a \u0627\u0644\u0645\u0648\u062f\u0639\u064a\u0646","\u062d\u0642\u0648\u0642 \u0627\u0644\u0645\u0648\u062f\u0639\u064a\u0646","\u0634\u0637\u0628 \u0627\u0644\u0648\u062f\u0627\u0626\u0639","\u0634\u0637\u0628 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0641\u064a \u0644\u0628\u0646\u0627\u0646","\u0634\u0637\u0628 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0642\u0627\u0646\u0648\u0646\u064a\u0627\u064b","\u0645\u0635\u0631\u0641 \u0644\u0628\u0646\u0627\u0646","\u0645\u0635\u064a\u0631 \u0627\u0644\u0648\u062f\u0627\u0626\u0639","\u0645\u0635\u064a\u0631 \u0627\u0644\u0648\u062f\u0627\u0626\u0639: \u0645\u0627 \u0644\u0645 \u064a\u0643\u0634\u0641\u0647 \u0635\u0646\u0651\u0627\u0639 \u0627\u0644\u0642\u0631\u0627\u0631"],"articleSection":["\u0627\u062e\u0628\u0627\u0631 \u0644\u0628\u0646\u0627\u0646 \u0627\u0644\u0625\u0642\u062a\u0635\u0627\u062f\u064a\u0629"],"inLanguage":"ar","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.economyscopes.com\/?p=134281#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.economyscopes.com\/?p=134281","url":"https:\/\/www.economyscopes.com\/?p=134281","name":"\u0645\u0635\u064a\u0631 \u0627\u0644\u0648\u062f\u0627\u0626\u0639: \u0645\u0627 \u0644\u0645 \u064a\u0643\u0634\u0641\u0647 \u0635\u0646\u0651\u0627\u0639 \u0627\u0644\u0642\u0631\u0627\u0631 - \u0633\u0643\u0648\u0628\u0627\u062a \u0639\u0627\u0644\u0645\u064a\u0629 \u0625\u0642\u062a\u0635\u0627\u062f\u064a\u0629 - EconomyScopes","isPartOf":{"@id":"https:\/\/www.economyscopes.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.economyscopes.com\/?p=134281#primaryimage"},"image":{"@id":"https:\/\/www.economyscopes.com\/?p=134281#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/www.economyscopes.com\/wp-content\/uploads\/2023\/02\/The-dollar-price-in-all-banks-will-be-one-below-Tk90-1-1.webp?fit=1300%2C720&ssl=1","datePublished":"2025-03-03T14:23:52+00:00","description":"\u0627\u062e\u0628\u0627\u0631 \u0644\u0628\u0646\u0627\u0646 \u0627\u0644\u0625\u0642\u062a\u0635\u0627\u062f\u064a\u0629 - \u0645\u0635\u064a\u0631 \u0627\u0644\u0648\u062f\u0627\u0626\u0639: \u0645\u0627 \u0644\u0645 \u064a\u0643\u0634\u0641\u0647 \u0635\u0646\u0651\u0627\u0639 \u0627\u0644\u0642\u0631\u0627\u0631 - \u0633\u0643\u0648\u0628\u0627\u062a \u0639\u0627\u0644\u0645\u064a\u0629 \u0625\u0642\u062a\u0635\u0627\u062f\u064a\u0629 - EconomyScopes","breadcrumb":{"@id":"https:\/\/www.economyscopes.com\/?p=134281#breadcrumb"},"inLanguage":"ar","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.economyscopes.com\/?p=134281"]}]},{"@type":"ImageObject","inLanguage":"ar","@id":"https:\/\/www.economyscopes.com\/?p=134281#primaryimage","url":"https:\/\/i0.wp.com\/www.economyscopes.com\/wp-content\/uploads\/2023\/02\/The-dollar-price-in-all-banks-will-be-one-below-Tk90-1-1.webp?fit=1300%2C720&ssl=1","contentUrl":"https:\/\/i0.wp.com\/www.economyscopes.com\/wp-content\/uploads\/2023\/02\/The-dollar-price-in-all-banks-will-be-one-below-Tk90-1-1.webp?fit=1300%2C720&ssl=1","width":1300,"height":720,"caption":"The dollar price in all banks will be one below Tk90 1 1"},{"@type":"BreadcrumbList","@id":"https:\/\/www.economyscopes.com\/?p=134281#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.economyscopes.com\/"},{"@type":"ListItem","position":2,"name":"\u0645\u0635\u064a\u0631 \u0627\u0644\u0648\u062f\u0627\u0626\u0639: \u0645\u0627 \u0644\u0645 \u064a\u0643\u0634\u0641\u0647 \u0635\u0646\u0651\u0627\u0639 \u0627\u0644\u0642\u0631\u0627\u0631"}]},{"@type":"WebSite","@id":"https:\/\/www.economyscopes.com\/#website","url":"https:\/\/www.economyscopes.com\/","name":"Economyscopes - \u0645\u0648\u0642\u0639 \u0633\u0643\u0648\u0628\u0627\u062a \u0639\u0627\u0644\u0645\u064a\u0629 \u0625\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u0644\u0644\u0623\u062e\u0628\u0627\u0631 \u0648\u0641\u0631\u0635 \u0627\u0644\u0639\u0645\u0644","description":"\u0625\u062c\u0639\u0644 \u0645\u0648\u0642\u0639\u0646\u0627 \u062e\u064a\u0627\u0631\u0643 \u0648\u0645\u0635\u062f\u0631\u0643 \u0627\u0644\u0623\u0646\u0633\u0628 \u0644\u0644\u0623\u062e\u0628\u0627\u0631 \u0627\u0644\u0625\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u0627\u0644\u0645\u062d\u0644\u064a\u0629 \u0648\u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0648\u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629 \u0639\u0644\u0649 \u0623\u0646\u0648\u0627\u0639\u0647\u0627 \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0627\u0644\u0649 \u0646\u0634\u0631 \u0645\u062c\u0645\u0648\u0639\u0629 \u0644\u0627 \u0628\u0623\u0633 \u0628\u0647\u0627 \u0645\u0646 \u0641\u0631\u0635 \u0627\u0644\u0639\u0645\u0644 \u0641\u064a \u0644\u0628\u0646\u0627\u0646 \u0648\u0627\u0644\u0634\u0631\u0642 \u0627\u0644\u0623\u0648\u0633\u0637 \u0648\u0627\u0644\u0639\u0627\u0644\u0645","publisher":{"@id":"https:\/\/www.economyscopes.com\/#organization"},"alternateName":"Economy Scopes News","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.economyscopes.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ar"},{"@type":"Organization","@id":"https:\/\/www.economyscopes.com\/#organization","name":"Economy Scopes - \u0633\u0643\u0648\u0628\u0627\u062a \u0625\u0642\u062a\u0635\u0627\u062f\u064a\u0629","url":"https:\/\/www.economyscopes.com\/","logo":{"@type":"ImageObject","inLanguage":"ar","@id":"https:\/\/www.economyscopes.com\/#\/schema\/logo\/image\/","url":"https:\/\/i0.wp.com\/www.economyscopes.com\/wp-content\/uploads\/2021\/03\/cropped-EconomyScopesLogo.jpg?fit=512%2C512&ssl=1","contentUrl":"https:\/\/i0.wp.com\/www.economyscopes.com\/wp-content\/uploads\/2021\/03\/cropped-EconomyScopesLogo.jpg?fit=512%2C512&ssl=1","width":512,"height":512,"caption":"Economy Scopes - \u0633\u0643\u0648\u0628\u0627\u062a \u0625\u0642\u062a\u0635\u0627\u062f\u064a\u0629"},"image":{"@id":"https:\/\/www.economyscopes.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/EconomyScopes","https:\/\/x.com\/economyscopes"]},{"@type":"Person","@id":"https:\/\/www.economyscopes.com\/#\/schema\/person\/de94d69cdd73f2cae5f4db3cf2405f4c","name":"Mohamad Jamous","image":{"@type":"ImageObject","inLanguage":"ar","@id":"https:\/\/secure.gravatar.com\/avatar\/13c40bda8d5a3e48fd63a86532dcb3cd0f6e2eb8d2e43930071c003b58ac371b?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/13c40bda8d5a3e48fd63a86532dcb3cd0f6e2eb8d2e43930071c003b58ac371b?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/13c40bda8d5a3e48fd63a86532dcb3cd0f6e2eb8d2e43930071c003b58ac371b?s=96&d=mm&r=g","caption":"Mohamad Jamous"},"sameAs":["https:\/\/www.economyscopes.com"],"url":"https:\/\/www.economyscopes.com\/?author=1"}]}},"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.economyscopes.com\/wp-content\/uploads\/2023\/02\/The-dollar-price-in-all-banks-will-be-one-below-Tk90-1-1.webp?fit=1300%2C720&ssl=1","jetpack_shortlink":"https:\/\/wp.me\/pcUQ91-yVP","_links":{"self":[{"href":"https:\/\/www.economyscopes.com\/index.php?rest_route=\/wp\/v2\/posts\/134281","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.economyscopes.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.economyscopes.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.economyscopes.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.economyscopes.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=134281"}],"version-history":[{"count":0,"href":"https:\/\/www.economyscopes.com\/index.php?rest_route=\/wp\/v2\/posts\/134281\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.economyscopes.com\/index.php?rest_route=\/wp\/v2\/media\/109807"}],"wp:attachment":[{"href":"https:\/\/www.economyscopes.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=134281"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.economyscopes.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=134281"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.economyscopes.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=134281"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}