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Crucially, the effective interest rate on the bills is expected to be higher than the official bank deposit rate, which is about 20 per cent. Iran's economy is heavily dependent on its banking system, which is hampered by large levels of bad debts, punitively high interest rates and double-digit rates of inflation.

http://www.ft.com/intl/cms/s/0/a432dd30-6510-11e5-9846-de406ccb37f2.html#axzz3n1ylpAqo