وپاسار

Now I present a comprehensive analysis of Pasargad Bank's debts: --- ## In-depth analysis of the debts of Pasargad Bank (Vpasar) ### 1. **Overall growth of debts (billion Rials)** | Course | Total debts Change compared to the previous period Percentage growth |------|------------|------------------|----------| | Year 1401 (12 months) | 5,124.1 | - | - | | Year 1402 (3 months) | 5,378.6 | +254.5 | **+5.0%** | | Year 1402 (6 months) | 5,766.9 | +388.3 | **+6.7%** | | Year 1402 (9 months) | 6,466.9 | +700.0 | **+12.1%** | | Year 1402 (12 months) | 8,025.6 | +1,558.7 | **+24.1% ▲▲** | | Year 1403 (3 months) | 8,332.1 | +306.5 | **+3.8%** | | Year 1403 (6 months) | 8,929.2 | +597.1 | **+7.2%** | **Basic point:** Pasargad Bank witnessed a shocking growth of debts in the second half of 1402. It increased from 5,766.9 billion Rials (first half) to 8,025.6 billion Rials (end of the year), that is **39.1% increase in the second half**! --- ### 2. **Breakdown of current liabilities (first half of 2013)** | component Amount (billion Rials) | Percentage of the total |------|--------------------|----------| | **Customer deposits** | 6,146.5 | **68.9%** | | **debt to other banks** | 1,969.9 | **22.1%** | | **Other current liabilities** | 812.8 | 9.0% | **sum of current debts** | 8,929.2 | **100%** | **Conclusion:** Pasargad Bank basically relies on debts from two main sources: - **Customer deposits** (the first source of resources) - **Bank debts** (about one-fifth of all debts) --- ### 3. **Analysis of customer deposits (billion Rials)** | Course | amount | Change Percentage change |------|-------|-------|----------| | Year 1401 (12 months) | 3,552.1 | - | - | | Year 1402 (3 months) | 3,879.4 | +327.3 | +9.2% | Year 1402 (6 months) | 4,268.9 | +716.8 | **+20.2%** | | Year 1402 (9 months) | 4,610.0 | +1,057.9 | **+29.8%** | | Year 1402 (12 months) | 5,276.9 | +1,724.8 | **+48.6% ▲▲▲** | | Year 1403 (3 months) | 5,573.3 | +2,021.2 | **+56.9%** | | Year 1403 (6 months) | 6,146.5 | +2,594.4 | **+73.0% ▲▲▲** | **Critical interpretation:** Pasargad Bank's customer deposits increased from 3.55 trillion Rials (end of 1401) to 6.15 trillion Rials (first half of 1403), that is **73% growth in about 18 months**! This extraordinary growth indicates: - High trust of customers - ✅ Successful liquidity attraction - Competitiveness in attracting resources --- ### 4. **Debts of Pasargad Bank to other banks (billion Rials)** | Course | amount | Change Percentage change |------|-------|-------|----------| | Year 1401 (12 months) | 1,177.5 | - | - | | Year 1402 (3 months) | 1,089.4 | -88.1 | -7.5% | Year 1402 (6 months) | 1,085.1 | -92.4 | -7.9% | Year 1402 (9 months) | 1,296.8 | +119.3 | +10.2% | Year 1402 (12 months) | 1,992.1 | +814.6 | **+69.2% ▲▲** | | Year 1403 (3 months) | 1,963.6 | +786.1 | **+67.0%** | | Year 1403 (6 months) | 1,969.9 | +792.4 | **+67.3%** | **Important note:** Pasargad Bank's debts to other banks have almost **doubled**! From 1.18 trillion Rials to about 2 trillion Rials. This increase includes: - Loans received from other banks - Deposits received from other banks - Interbank settlements --- ### 5. **Comparison of composition of debts (year 1401 vs 1403)** | Index | 1401 | 1403 | Change |------|------|------|-------| | Customer deposits / total debt 69.3% 68.9%

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