HAMEED ULLAH

You are the CREATOR of your own DESTINY.

[HAMEED ULLAH @hameedullah1981]

#OnThisDay
"DG ISPR"
#DGISPR

[HAMEED ULLAH @hameedullah1981]

@TomHougaard Great Mentor.... I want to have chat with you. I was looking for you for a long time but now want to be under your mentorship. Pls let me know how i will be able to get in touch with you via phone / or any other medium.

[HAMEED ULLAH @hameedullah1981]

No Trading... Still Bullish on XAUUSD but the price must go to the breakout area. unless then, no trade.

[HAMEED ULLAH @hameedullah1981]

Monday's movement decider H4 closed as Dogi, undecided with a long wick. Means today it may not give us a one sided move.
However, I am Still bullish on it. Just waiting for a breakout and then buying on 1H Timeframe.
#xauusd #forex #capital #silverearrings

[HAMEED ULLAH @hameedullah1981]

Monday's movement decider H4 closed as Dogi, undecided with a long wick. Means today it may not give us a one sided move.
However, I am Still bullish on it. Just waiting for a breakout and then buying on 1H Timeframe.
#xauusd #forex #capital #silverearrings

[HAMEED ULLAH @hameedullah1981]

https://t.co/Nqfn5Ob1MR

[HAMEED ULLAH @hameedullah1981]

https://t.co/Nqfn5Ob1MR

[HAMEED ULLAH @hameedullah1981]

@Fintech00 Yes b3cause it retraced on a very strong level. Came on my buying zone. Just waiting for 1st 4H bullish closing and then buy.
4h bearish closimg will decide its retracement but that too will not be able to break the current friday low.

[HAMEED ULLAH @hameedullah1981]

https://t.co/WIZG1AkcqM

[HAMEED ULLAH @hameedullah1981]

@ICTUZAIF Well, technically no sell.
Fundamentally us iran escalations.
However 1st 4H bullish above cmp will takr the gold to 4200 and then 4700

[HAMEED ULLAH @hameedullah1981]

@XauBossAnalysis It might his the buy orders' SLs and continue its upward movement.
The bullish scenario will be more accurate if 1st H4 close appears a bullish candle. Then any timefram3 closing above cmp will be a buy signal.

[Khurram Schehzad @kschehzad]

🇵🇰 𝗣𝗮𝗸𝗶𝘀𝘁𝗮𝗻'𝘀 𝗖𝗲𝗻𝘁𝗿𝗮𝗹 𝗚𝗼𝘃𝗲𝗿𝗻𝗺𝗲𝗻𝘁 𝗗𝗲𝗯𝘁 𝗚𝗿𝗼𝘄𝘁𝗵 𝗙𝗮𝗹𝗹𝘀 𝘁𝗼 𝗮 𝟭𝟱-𝗬𝗲𝗮𝗿 𝗟𝗼𝘄

𝗣𝗮𝗸𝗶𝘀𝘁𝗮𝗻’𝘀 𝗗𝗲𝗯𝘁 𝗦𝘁𝗼𝗿𝘆: 𝗟𝗲𝘀𝘀 𝗥𝗶𝘀𝗸, 𝗟𝗼𝘄𝗲𝗿 𝗚𝗿𝗼𝘄𝘁𝗵, 𝗕𝗲𝘁𝘁𝗲𝗿 𝗠𝗮𝗻𝗮𝗴𝗲𝗺𝗲𝗻𝘁

Some social media posts compare governments using absolute debt figures. That is not how sovereign debt is assessed anywhere in the world. Debt is not measured by headlines. It is measured by sustainability.

Here are the facts:

1️⃣ First, the claim itself is incorrect.
• Currently, Pakistan's Central Government Debt (Public Debt) is Rs81.9 trillion (latest State Bank data).
• The Rs97-100 trillion figure being quoted refers to Total Debt & Liabilities, which also includes private sector liabilities—not just central government debt.

2️⃣ The globally accepted measure is Debt-to-GDP, not debt in absolute rupees.
• Debt-to-GDP has fallen from around 76% in FY19/20, remained around 75% through FY22/23, and has now declined to around 68% in FY26.
• More importantly, external debt-to-GDP has fallen from around 28% in FY19/20, remained around 28% through FY22/23, and is now down to around 21% in FY26—significantly reducing external repayment risks.
• That is the direction every country aims for.
• Pakistan also recently raised a foreign bond at the lowest rate in the country's history (2.5%), helping reduce the overall cost of external borrowing.

3️⃣ Debt growth has slowed dramatically.
• Central Government Debt grew 23% in FY23.
• It is now growing at only 5% FYTD—the lowest pace in the last 15 years, compared with a historical average of around 12% per year.

4️⃣ Borrowing has become much safer.
• Average domestic debt maturity has increased from 2.8 years to 3.8 years, significantly reducing refinancing risk.

5️⃣ Expensive debt has been retired.
• Rs2.47 trillion of costly Central Bank debt has been paid off.
• Rs2.3 trillion of market debt has been bought back.
• Total early debt retirement has reached Rs4.7 trillion—a first in Pakistan's history.

6️⃣ Debt servicing has fallen sharply.
• Interest expense has declined from Rs8.89 trillion to about Rs6.94 trillion in FY26.
• That's a saving of almost Rs2 trillion (22%) in just one year.

7️⃣ Less of the country's income now goes to interest payments.
• Interest payments consumed around 64% of gross federal revenues in FY23 at the peak.
• They have now fallen to around 40% in FY26—a substantial improvement, creating more fiscal space for development.

8️⃣ Foreign reserves are stronger—not just larger.
• Import cover has improved from less than 2 weeks in 2023 to nearly 3 months.
• A significant share of reserve accumulation now comes from non-debt sources, improving the quality of reserves.

9️⃣ Pakistan has strengthened its repayment capacity.
• Three consecutive years of primary fiscal surplus, compared with a primary deficit exceeding 3% of GDP in FY22.
• Two consecutive years of Current Account Surpluses, compared with a US$17.4 billion Current Account Deficit in FY22—the second largest in Pakistan's history.
• Fiscal deficits and financing needs are declining, slowing the pace of debt accumulation.

🔟 The Bottom Line

Every government borrows. Every government repays. Every government refinances maturing debt.

The real question is whether debt is becoming more sustainable, more affordable, and less risky.

Today, the answer is yes:

✔️ Lower Debt-to-GDP
✔️ Lowest debt growth in 15 years
✔️ Lower interest burden
✔️ Safer debt profile
✔️ Longer debt maturity
✔️ Better quality foreign reserves
✔️ Stronger repayment capacity

That is debt management with progress. Not headline politics.

#PakistanEconomy #EconomicReforms #FiscalResponsibility #FiscalConsolidation #PublicDebtManagement #DebtSustainability #Macroeconomics #EconomicStability #FinancialStability #Investment #EconomicGrowth #PublicFinance

@Financegovpk @GovtofPakistan @StateBank_Pak @PakPMO @MoIB_Official

[HAMEED ULLAH @hameedullah1981]

@BrohiAzeem007 Waiting for rmmonday closing at current fvg. Its almost above there.
In my pov if 1st 4h closes cmp then its bullish way till 4300 and then may be till 4700

[HAMEED ULLAH @hameedullah1981]

@NaveedBalo67956 1st H4 Bullish closing on Monday will indicate buy signal for all week.
1st H4 Bearish closing indicate "out of the market" for me.

[HAMEED ULLAH @hameedullah1981]

https://t.co/Nqfn5Ob1MR

[HAMEED ULLAH @hameedullah1981]

@BaigShayan1234 @thepsxbull @Tradeologypk Loosers always makes a way for losses. Winners just learn, impliment and repeat. I recently checked your alphagen its awesome.
I will consider even if it monitizes and affordable for me.

[HAMEED ULLAH @hameedullah1981]

Last time to buy gold at cmp.

[Abdul Rehman Najam @ARNOfficiall]

I advise on Rs 6 billion+ Investments. And before we buy a single share, every company must answer the same four questions.

Not fifty. Just Four.

Most people think investing is about predicting stock prices.

It isn't.

Question #1: What is the actual ROIC of this business, this is what annual profit I will get if I remain invested in it for 15-25 years.

Question #2: Do I understand what actually drives its earnings?
Not the share price.
The business. The raw material prices, the final product prices.

Question #3: How does the money reach me?
This is where most investors fail.
A great business is not automatically a great investment.

As a minority shareholder, there are only two ways profits reach you:
Dividends. Or share price appreciation.

If you cannot explain how value gets transferred to shareholders, you are not investing.
You are hoping.

Question #4: Is this one of the best opportunities available?

We do not diversify into 30 ideas we somewhat understand.

We concentrate on our highest-conviction opportunities.

That's the framework.

Which of these four questions do you answer before investing as well? Tell me in the comments.

[HAMEED ULLAH @hameedullah1981]

@grok Question is Abdul Rehman Najam including the current bull run when saying 25% or 18% average return?
I dont think so.
If he us excluding this current rally then what will be th3 avg return. If including the current rally from january 2024 then all that glitters is not gold fits on it. What u say?

[HAMEED ULLAH @hameedullah1981]

https://t.co/uwr6dP3FNP

[HAMEED ULLAH @hameedullah1981]

https://t.co/vdXSEG1wH3

#GBPJPY my favourite

[HAMEED ULLAH @hameedullah1981]

this is unbelievable in #psx whenever a good company comes on my radar, fundamentally, it turns out to be non-sharia... #natf is now became Non-Sharia. it