Aarambha Chautari Laghubitta Bittya Sanstha Limited · Quarterly report
ACLBSL Q4 Financial Report — FY 2082/83
Aarambha Chautari Laghubitta Bittya Sanstha Limited (ACLBSL) posted a year-to-date net profit of Rs 10.20 Cr at the end of Q4 FY 2082/83, up 8.0% from Rs 9.44 Cr a year earlier. Annualised EPS is Rs 27.79 against Rs 25.72 in Q4 FY 2081/82.
Q4 FY 2082/83 vs Q4 FY 2081/82
| Metric | Q4 2082/83 | Q4 2081/82 | Change |
|---|---|---|---|
| Paid Up Capital | 36.71 Cr | 36.71 Cr | +0.0% |
| Reserve and Surplus | 29.70 Cr | 20.63 Cr | +44.0% |
| Total Equity | 66.42 Cr | 57.34 Cr | +15.8% |
| Total Assets | 5.95 Arb | 6.15 Arb | -3.2% |
| Deposits from Customers | 2.26 Arb | 1.89 Arb | +19.4% |
| Borrowings | 2.83 Arb | 3.36 Arb | -15.7% |
| Loans and Advances to BFIs | 0 | 0 | — |
| Loans and Advances to Customers | 5.51 Arb | 5.32 Arb | +3.7% |
| Investments | 5.98 L | 10.00 L | -40.2% |
| Interest Income | 82.00 Cr | 71.80 Cr | +14.2% |
| Net Interest Income | 47.45 Cr | 37.03 Cr | +28.2% |
| Total Operating Income | 53.86 Cr | 43.00 Cr | +25.3% |
| Operating Profit | 14.70 Cr | 13.49 Cr | +9.0% |
| Net Profit | 10.20 Cr | 9.44 Cr | +8.0% |
| Number of Shares | 36.71 L | 36.71 L | +0.0% |
| EPS Reported | 27.79 | 25.72 | +8.0% |
| Book Value Reported | 180.90 | 156.18 | +15.8% |
| ROE Reported | 15.36% | 16.47% | -1.11 pp |
| CAR | 9.26% | 8.68% | +0.58 pp |
| NPL | 6.01% | 2.13% | +3.88 pp |
| Cost of funds | 5.96K | 7.39K | -19.4% |
| CD ratio | 188.13% | 215.90% | -27.77 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
ACLBSL last 8 quarters
| Metric | Q1 2081/82 | Q2 2081/82 | Q3 2081/82 | Q4 2081/82 | Q1 2082/83 | Q2 2082/83 | Q3 2082/83 | Q4 2082/83 |
|---|---|---|---|---|---|---|---|---|
| Net profit | 2.15 Cr | 3.27 Cr | 6.13 Cr | 9.44 Cr | 82.07 L | 5.98 Cr | 9.37 Cr | 10.20 Cr |
| EPS | — | 17.79 | 22.27 | 25.72 | 8.94 | 32.57 | 34.02 | 27.79 |
| Net interest income | 8.56 Cr | 16.17 Cr | 26.11 Cr | 37.03 Cr | 11.13 Cr | 21.92 Cr | 33.40 Cr | 47.45 Cr |
| Revenue | 9.58 Cr | 18.67 Cr | 30.79 Cr | 43.00 Cr | 12.45 Cr | 25.85 Cr | 38.44 Cr | 53.86 Cr |
| Non-performing loans | 2.14% | 2.91% | 3.70% | 2.13% | 4.22% | 5.20% | 6.87% | 6.01% |