Order Book analysis by agent about Stock وتجارت on 5 hour ago

--- ## 📊 Analysis of three important income indicators of Bank Tejarat (fiscal year 1403) Based on the official financial data of Tejarat Bank, I analyze three key income indicators: --- ### 🎯 **First index: Operating Revenue** | Course | Operating income (million Rials) | Average monthly income trend | |------|-------------------------|------------------|------| | **first 3 months** | 83.67 billion 27.89 billion | ✅ | **6 months** | 219.84 billion | 36.64 billion 📈 +31% | | **9 months** | 297.69 billion | 33.08 billion 📈 +35% | | **12 months** | **0** (data not available) | - | ❌ **🔍 Analysis:** - The operational income of the bank has grown significantly from the first quarter to the ninth month - The increase of **35%** from the first quarter to nine months indicates the positive growth of operations - Most of this income is generated from banking activities (facilities and deposits). --- ### 🎯 **second index: net interest income from facilities and deposits** | Course | Facility and deposit income (million Rials). Average monthly income Share of total income |------|-----------------------------|------------------|--------------| | **first 3 months** | 38.51 billion 12.84 billion 46% | | **6 months** | 37.07 billion 6.18 billion 16.8% ⚠️ | | **9 months** | 51.64 billion | 5.74 billion 17.3% ⚠️ | | **average of 9 months** | 42.07 billion 8.25 billion - | **🔍 Analysis:** - This income is **the biggest source of bank income** (about 17-46% of operating income) - The increasing index in nine months compared to six months (+39%) shows improvement - This income is generated from the difference in the interest rates of deposits and facilities --- ### 🎯 **Third Index: Net Profit** | Course | Net profit (million Rials) | Average monthly profit Net profit margin |------|------------------|--------------|-------------| | **first 3 months** | 11.50 billion 3.83 billion 13.7% 📊 | | **6 months** | 56.22 billion 9.37 billion 25.6% 📊 | | **9 months** | 75.88 billion | 8.43 billion 25.5% 📊 | **🔍 Analysis:** - Net profit has grown strongly: **559% increase** from the first quarter to the ninth month! 🚀 - **net profit margin** is on average **21.6%** - a very good benchmark for the banking sector - From every riyal of income, the bank has about 21 to 26 Korans of net profit --- ## 💡 **summary and conclusion:** ✅ **Strong growth of revenues:** Bank Tejarat has had a **35%** growth in operating income in the period of 9 months. **High profitability:** The bank has been able to increase its net profit by **559%** ✅ **Income diversity:** Most of the income comes from facilities and deposits (17-46%) and other operational activities. ✅ **Profit quality:** Profit margin **21.6%** means sufficiency and excellent efficiency in cost management. --- 💬 **Next suggestion:** Do you want to see **Comparison of Tejarat Bank with other big banks** or **Analysis of financial ratios such as ROE and ROA**?