Few banks in the world have as tough a deal as those in Iran. In June the UN made their situation even worse with yet another round of punitive sanctions that was followed up by additional penalties from the US and Europe. While Iran's banks had a relatively good financial crisis, there are a host of other challenges that they will face in the coming year.
These include high levels of non-performing loans, mostly a result of a government policy that forces banks to give loans to the poor at rates lower than inflation, and weakening capital ratios.
