{
    "@context": {
        "schema": "https://schema.org/",
        "dct": "http://purl.org/dc/terms/",
        "hg": "https://hormuz.group/data/ns#"
    },
    "id": "hg:company:refah-kargaran-bank",
    "identifier": "hg:company:refah-kargaran-bank",
    "dataset_type": "entity_dataset",
    "entity_type": "company",
    "data_version": "2.0",
    "generated_by": "Hormuz Data Layer 0.2.1",
    "generated_at": "2026-07-04T02:51:17+00:00",
    "name": "Refah Kargaran Bank",
    "slug": "refah-kargaran-bank",
    "status": "publish",
    "url": "https://hormuz.group/companies/refah-kargaran-bank/",
    "json_url": "https://hormuz.group/wp-content/uploads/hormuz-data/cpt/company/refah-kargaran-bank.json",
    "rest_url": "https://hormuz.group/wp-json/hormuz-data/v1/cpt/company/refah-kargaran-bank",
    "summary": "",
    "machine_summary": "Refah Kargaran Bank Refah Kargaran Bank is a Tehran-based Iranian bank historically associated with worker, social-security, and public-sector-linked finance. In the Hormuz Group company graph, it matters because it connects payroll flows, pensioner and worker banking, retail deposits, corporate credit, payment services, and state-linked financial channels. The bank should be treated as compliance-sensitive because public sanctions sources identify sanctions-related exposure and government-linked banking activity. Refah Kargaran Bank is relevant for investors assessing Iran's state-linked banking network, payroll and pensioner finance, payment access, retail deposits, corporate lending, and counterparty risk. It can support analysis of how worker-linked financial flows and institutional relationships affect liquidity, credit allocation, and formal money movement. Due diligence should include sanctions screening, ownership review, service reliability, payment-system exposure, branch and digital-channel continuity, cybersecurity risk, and verification of any direct or indirect commercial relationship. Refah Kargaran Bank provides retail banking, deposits, lending, corporate banking, payment services, card services, digital banking, guarantees, foreign-exchange-related services, remittances, and financial services for workers, pensioners, businesses, public-sector-linked entities, and institutional clients across Iran. province: Tehran industry: Business Services, Financial Services, Payment Services market: Banking & Credit, Banks, Credit, Payments challenges: Banking Access, Compliance, Counterparty Risk, Money Transfer company_type: Service Provider, State-linked Company city: Tehran",
    "published_at": "2026-06-28T20:20:09+00:00",
    "modified_at": "2026-06-28T20:20:09+00:00",
    "taxonomies": {
        "province": [
            {
                "id": 3,
                "name": "Tehran",
                "slug": "tehran",
                "url": "https://hormuz.group/provinces/tehran/"
            }
        ],
        "industry": [
            {
                "id": 82,
                "name": "Business Services",
                "slug": "business-services",
                "url": "https://hormuz.group/industry/business-services/"
            },
            {
                "id": 22,
                "name": "Financial Services",
                "slug": "financial-services",
                "url": "https://hormuz.group/industry/financial-services/"
            },
            {
                "id": 128,
                "name": "Payment Services",
                "slug": "payment-services",
                "url": "https://hormuz.group/industry/financial-services/payment-services/"
            }
        ],
        "market": [
            {
                "id": 37,
                "name": "Banking & Credit",
                "slug": "banking-credit",
                "url": "https://hormuz.group/market/banking-credit/"
            },
            {
                "id": 49,
                "name": "Banks",
                "slug": "banks",
                "url": "https://hormuz.group/market/banking-credit/banks/"
            },
            {
                "id": 51,
                "name": "Credit",
                "slug": "credit",
                "url": "https://hormuz.group/market/banking-credit/credit/"
            },
            {
                "id": 50,
                "name": "Payments",
                "slug": "payments",
                "url": "https://hormuz.group/market/banking-credit/payments/"
            }
        ],
        "challenges": [
            {
                "id": 159,
                "name": "Banking Access",
                "slug": "banking-access",
                "url": "https://hormuz.group/challenges/financial-barriers/banking-access/"
            },
            {
                "id": 164,
                "name": "Compliance",
                "slug": "compliance",
                "url": "https://hormuz.group/challenges/regulatory-barriers/compliance/"
            },
            {
                "id": 184,
                "name": "Counterparty Risk",
                "slug": "counterparty-risk",
                "url": "https://hormuz.group/challenges/operational-risks/counterparty-risk/"
            },
            {
                "id": 160,
                "name": "Money Transfer",
                "slug": "money-transfer",
                "url": "https://hormuz.group/challenges/financial-barriers/money-transfer/"
            }
        ],
        "company_type": [
            {
                "id": 303,
                "name": "Service Provider",
                "slug": "service-provider",
                "url": "https://hormuz.group/company-type/service-provider/"
            },
            {
                "id": 308,
                "name": "State-linked Company",
                "slug": "state-linked-company",
                "url": "https://hormuz.group/company-type/state-linked-company/"
            }
        ],
        "city": [
            {
                "id": 384,
                "name": "Tehran",
                "slug": "tehran",
                "url": "https://hormuz.group/cities/tehran/"
            }
        ]
    },
    "taxonomy_labels": {
        "province": "Tehran",
        "industry": "Business Services, Financial Services, Payment Services",
        "market": "Banking & Credit, Banks, Credit, Payments",
        "challenges": "Banking Access, Compliance, Counterparty Risk, Money Transfer",
        "company_type": "Service Provider, State-linked Company",
        "city": "Tehran"
    },
    "fields_summary": {
        "legal_name": "Bank Refah Kargaran",
        "website": "https://www.refah-bank.ir",
        "city": "Tehran, Tehran Province, Iran",
        "ticker_symbol": "",
        "listing_status": "unlisted",
        "products_services": "Refah Kargaran Bank provides retail banking, deposits, lending, corporate banking, payment services, card services, digital banking, guarantees, foreign-exchange-related services, remittances, and financial services for workers, pensioners, businesses, public-sector-linked entities, and institutional clients across Iran.",
        "export_relevance": "low",
        "short_profile": "Refah Kargaran Bank is a Tehran-based Iranian bank historically associated with worker, social-security, and public-sector-linked finance. In the Hormuz Group company graph, it matters because it connects payroll flows, pensioner and worker banking, retail deposits, corporate credit, payment services, and state-linked financial channels. The bank should be treated as compliance-sensitive because public sanctions sources identify sanctions-related exposure and government-linked banking activity.",
        "investment_relevance": "Refah Kargaran Bank is relevant for investors assessing Iran's state-linked banking network, payroll and pensioner finance, payment access, retail deposits, corporate lending, and counterparty risk. It can support analysis of how worker-linked financial flows and institutional relationships affect liquidity, credit allocation, and formal money movement. Due diligence should include sanctions screening, ownership review, service reliability, payment-system exposure, branch and digital-channel continuity, cybersecurity risk, and verification of any direct or indirect commercial relationship."
    },
    "fields": {
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        "wp_statistics_words_count": "0",
        "legal_name": "Bank Refah Kargaran",
        "city": "Tehran, Tehran Province, Iran",
        "ticker_symbol": "",
        "export_relevance": "low",
        "verification_status": "basic",
        "data_confidence": "high",
        "listing_status": "unlisted",
        "last_updated": "28/06/2026",
        "website": "https://www.refah-bank.ir",
        "products_services": "Refah Kargaran Bank provides retail banking, deposits, lending, corporate banking, payment services, card services, digital banking, guarantees, foreign-exchange-related services, remittances, and financial services for workers, pensioners, businesses, public-sector-linked entities, and institutional clients across Iran.",
        "short_profile": "Refah Kargaran Bank is a Tehran-based Iranian bank historically associated with worker, social-security, and public-sector-linked finance. In the Hormuz Group company graph, it matters because it connects payroll flows, pensioner and worker banking, retail deposits, corporate credit, payment services, and state-linked financial channels. The bank should be treated as compliance-sensitive because public sanctions sources identify sanctions-related exposure and government-linked banking activity.",
        "investment_relevance": "Refah Kargaran Bank is relevant for investors assessing Iran's state-linked banking network, payroll and pensioner finance, payment access, retail deposits, corporate lending, and counterparty risk. It can support analysis of how worker-linked financial flows and institutional relationships affect liquidity, credit allocation, and formal money movement. Due diligence should include sanctions screening, ownership review, service reliability, payment-system exposure, branch and digital-channel continuity, cybersecurity risk, and verification of any direct or indirect commercial relationship.",
        "source_note": "Based on public bank, official-bank, banking-sector, sanctions, and market-context information. Further verification is required before treating this profile as verified investment intelligence."
    },
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        "products_services": {
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        },
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        },
        "investment_relevance": {
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            "present": true,
            "length": 596
        },
        "source_note": {
            "type": "string",
            "present": true,
            "length": 194
        }
    },
    "sources": [
        {
            "type": "note",
            "value": "Based on public bank, official-bank, banking-sector, sanctions, and market-context information. Further verification is required before treating this profile as verified investment intelligence."
        }
    ],
    "quality": {
        "required_fields": [
            "legal_name",
            "website",
            "city",
            "listing_status",
            "products_services",
            "export_relevance",
            "verification_status",
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            "source_note",
            "last_updated"
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        "missing_required_fields": [],
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        "verification_status": "basic",
        "data_confidence": "high",
        "last_updated": "28/06/2026",
        "stale_over_180_days": false,
        "quality_score": 100
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        "data_confidence": "high",
        "last_updated": "28/06/2026"
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}