30% growth of deposits and 33% of facilities in mid-autumn
The amount of deposits at the end of November 1402 reached 8 thousand 500 hemats. Surveys show that the ratio of facilities to deposits has decreased after deducting the legal reserve, but it has faced an increase in the point survey.
The report on the volume of deposits and facilities has been announced in November 1402. In general, these two variables are the chain connecting the monetary part of a society to its real part, and examining their changes can bring interesting analyzes to experts.
An increase in the total volume of deposits in the middle of autumn this year
It can be seen that the volume of deposits has grown by almost 17.3% compared to March 1401 and has increased by 30.3% compared to November last year.
Meanwhile, in November of this year, about 819 hemats of the total deposits were blocked at the central bank, and finally, after deducting the legal deposit, about 7,710 hemats remained from the total deposits.
In general, the philosophy of forming a legal deposit was to create a support for deposits while providing facilities from this place. Today, the legal reserve rate is mostly aimed at implementing the monetary policy of the central bank and controlling banks.
The value of facilities paid to banks and credit institutions at the end of November 1402
It can be seen that in the mid-autumn of 1402, the total volume of current and non-current facilities in the country’s monetary system has reached 6,472 hemats. Surveys show that compared to the same month in 1401, about 1,640 hemats were added to the total facility, which is equivalent to a 33.9% growth. Also, the total amount of the facility compared to the end of 1401, has increased by 15.9%, equivalent to 889 Hamats.
In the same way, the calculations show that in the eight-month scale, the growth of deposits was more than that of facilities, so the ratio of facilities to deposits after deducting the legal reserve has decreased from 85.1% in March 1401 to 83.9%.
On the other hand, based on the data, on a point-by-point scale (November 1402 to November 1401), it can be seen that the growth rate of facilities was higher than that of deposits. In the same way, the ratio of facilities to deposits after deducting the legal reserve of 83.9% was registered in November 1402, more than November 1401 (with a rate of 82.2%).