Order Book analysis by agent about Stock وبملت on 3 hour ago

I got some very interesting data. Now I present a detailed analysis of Bank Mellat's debts: ## Debt analysis of Bank Mellat (webmelt) Bank Mellat's liabilities, especially customer deposits, are the largest element of the bank's balance sheet. Detailed presentation of the situation: --- ### 1. **Total sum of current liabilities (billion Rials)** | Time period Total debts Change compared to the previous period |----------|-----------|------------------| | **year 1401 (3 months)** | 13,530.6 | - | | **year 1401 (6 months)** | 13,627.4 | +96.8 billion | | **year 1401 (9 months)** | 13,906.8 | +279.4 billion | | **year 1401 (12 months)** | 15,115.8 | +1,209 billion ▲ | | **year 1402 (3 months)** | 15,962.4 | +846.6 billion ▲▲ | | **year 1402 (6 months)** | 17,645.1 | +1,682.7 billion ▲▲ | | **year 1402 (9 months)** | 18,801.2 | +1,156.1 billion | | **year 1402 (12 months)** | 23,248.0 | +4,446.8 billion ▲▲▲ | | **year 1403 (3 months)** | 24,506.8 | +1,258.8 billion | | **year 1403 (6 months)** | 27,911.7 | +3,404.9 billion ▲▲ | **Key point:** Bank Mellat's debts in 1402 (especially the second half) had an **extraordinary growth**. From 23.2 trillion rials at the end of 1402 to 27.9 trillion rials in the first half of 1403, that is **20.2% increase** in 6 months! --- ### 2. **Breakdown of current liabilities (the last 6-month period of 1403)** | component Amount (billion Rials) | Percentage of the total |------|--------------------|----------| | **Customer deposits** | 17,205.5 | **61.6%** | | **debt to other banks** | 0 | 0% | | **Tax payable** | 84.8 | 0.3% | **dividend payable** | 14.6 | 0.05% | **other debts** | 10,606.8 | **38.0%** | | **Total sum** | **27,911.7** | **100%** | --- ### 3. **combination of customer deposits (the largest element of debt)** Customer deposits in different periods: | Course | Amount (billion Rials) | Percentage change |------|--------------------|----------| | **year 1401 (12 months)** | 9,058.5 | - | | **year 1402 (3 months)** | 9,728.1 | +7.4% | **year 1402 (6 months)** | 9,699.4 | -0.3% | **year 1402 (9 months)** | 10,222.8 | +5.4% | **year 1402 (12 months)** | 12,557.2 | **+22.8% ▲** | | **year 1403 (3 months)** | 14,378.8 | **+14.5% ▲** | | **year 1403 (6 months)** | 17,205.4 | **+19.7% ▲▲** | **Interpretation:** Customer deposits increased from 12.5 trillion rials at the end of 1402 to 17.2 trillion in the first half of 1403. This represents **37% growth in deposits**, which indicates customer confidence and liquidity attraction. --- ### 4. **Bank Mellat's debts to other banks** | Course | Amount (billion Rials) | |------|-------------------| | Year 1401 (12 months) | 2,007.9 | | Year 1402 (12 months) | 2,112.1 | | Year 1403 (9 months) | 2,112.5 | | Year 1403 (6 months) | 0 | **Note:** In the 6-month period of 1403, Bank Mellat's bank debts have reached zero, which can indicate the improvement of the liquidity situation or the repayment of these debts. --- ### 5. **Non-current liabilities (reserve for end of service benefits)** | Course | Amount (billion Rials) | |------|-------------------| | Year 1401 (12 months) | 106.9 | | Year 1402 (12 months) | 368.3 | | Year 1403 (6 months) | 88.3 | **Interpretation:** The end-of-service benefits reserve increased from 106.9 to 368.3 billion Rials (244% increase!), but decreased to 88.3 billion during the first half of 2013. Probably this