ونوین

Excellent! Now let's provide the final analysis for the user: ## Financial analysis of Bank Ekhtaz Novin (Venvin) **Analysis reference period:** The first quarter of the financial year 1404 (March 30, 1403 to April 31, 1404) ### 1. General balance sheet situation Venvin Bank has a relatively balanced financial structure at the end of April 1404: - **Total assets:** 3.719 trillion rials - **Total debts:** 3.262 trillion rials - **Equity:** 457.5 billion rials The asset-to-equity ratio is more than **8x**, which is quite normal for a normally performing bank. ### 2. Quality of assets Venvin Bank has granted **69.4%** of its total assets in the form of facilities (loans and credits). This shows the relatively good development of the bank's core activities. ### 3. Structure of resources (deposits) - **Customer deposits:** 2.797 trillion rials (75.2% of total assets) - **Investment deposits:** 3.193 trillion rials Deposits are the basic resources of the bank. The bank has managed to increase its deposits by **14.03%** compared to the previous period. ### 4. Application of resources (granted facilities) - **Total granted facilities:** 2.727 trillion rials - **Facilities for customer deposits:** 97.5% This high ratio of granting facilities to deposits shows that the bank has successfully converted its deposits into operating loans and is performing its basic activity. ### 5. Profit and loss performance - **Operating profit for the quarter:** 48.8 billion rials The information about the partial incomes (facility interest, fees, total income) is not available for this period, but the positive operating profit shows that the bank is on the right track. ### 6. Capital market evaluation - **P/E ratio (TTM):** 3.30 - **P/B ratio:** 0.915 A very low price-to-earnings ratio (3.30) indicates that Venvin Bank stock is cheap relative to its earnings. A price-to-book ratio of less than 1 (0.915) means that **the stock is priced below its book value**, which can be valuable to investors. ### 7. Share price history Venvin Bank's stock price has moved significantly in the last six months (from November 2024 to June 2025): - **Lowest price:** 1920 Tomans (November 22, 2024) - **Highest price:** 4178 Tomans (June 1, 2025) - **Approximate yield:** About 117% in 7 months The price rose sharply during the early months of 2025 and then became relatively stable from mid-June. ### Summary and conclusion New Economy Bank has had a stable performance, with a suitable combination of deposits and granting facilities. The market ratios show that the shares of this bank are very cheap in terms of single steps. Although complete profitability data is not available for this period, positive operating profit and growth in deposits indicate a favorable situation. --- **Suggestion for further analysis:** Would you like us to explore more ratios about loan quality (NPL), return on capital (ROA/ROE) or how Venvin compares to its competitors in the banking industry?

To analyze Wenwin's profit-to-income ratio in 2013, we usually look at net or gross profit margin. Considering that the year 1403 has not yet ended (we are in the middle of May 1403), the full financial information for this year has not yet been published. However, based on the latest information available until the end of the financial year 1402 (which ended in March 1402), the net profit margin of Venvin Company was as follows: * **Net profit margin (12 months ended 12/29/1402):** Approximately 17.06%. * **Net profit margin (9 months ending 09/30/1402):** Approximately 17.51%. These figures show that Venvin was able to convert about 17% of its revenues into net profit in the last financial year, which is considered a good performance for a financial institution. For 1403, we will have to wait for the release of the company's quarterly financial reports to provide a more detailed analysis, but given last year's trend, it is expected that the company will be able to maintain its profit margin.

If you bought "Venvin" shares in November two years ago (around November 1, 2022) at the price of 710 Tomans and sold them today (May 15, 2024), your investment would have gained approximately **124.79%**. This indicates a significant growth in the share price during this time period.

The Central Insurance Company of the Islamic Republic of Iran purchased 5.990 million shares of Venvin on 08/18/1404 and currently has 1.938% of Venvin's shares in its stock portfolio.

Moj Firouz leveraged equity investment fund bought 7.351 million Venvin shares on 08/14/1404 and currently has 1.949% of Venvin shares in its stock portfolio.

Moj Firouz leveraged equity investment fund bought 3.200 million Venvin shares on 08/13/1404 and currently has 1.942% of Venvin shares in its stock portfolio.

Moj Firouz leveraged equity investment fund bought 3.600 million Venvin shares on 08/03/1404 and currently has 1.939% of Venvin shares in its stock portfolio.

Moj Firouz leveraged equity investment fund bought 9.600 million Venvin shares on 07/30/1404 and currently has 1.936% of Venvin shares in its stock portfolio.

The Firouz Wave Leverage Fund bought 3.200 million shares on 14/07/15 and currently accounts for 1.926 % of Venusin's shares in its equity portfolio.

The Islamic Republic of Iran's Central Insurance Company sold 0.815 million shares on 14/07/14 and currently accounts for 1.933 % of Venovin's shares in its joint portfolio.