Agricultural Development Bank Limited · Quarterly report
ADBL Q4 Financial Report — FY 2082/83
Agricultural Development Bank Limited (ADBL) posted a year-to-date net profit of Rs 2.63 Arb at the end of Q4 FY 2082/83, down 36.7% from Rs 4.15 Arb a year earlier. Annualised EPS is Rs 13.33 against Rs 21.54 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 | 19.74 Arb | 19.29 Arb | +2.3% |
| Share Premium | 0 | 0 | — |
| Retained Earnings | 1.26 Arb | 2.88 Arb | -56.1% |
| Reserves | 17.91 Arb | 16.99 Arb | +5.4% |
| Total Equity | 38.91 Arb | 39.16 Arb | -0.6% |
| Total Assets | 420.13 Arb | 362.50 Arb | +15.9% |
| Deposits from Customers | 347.22 Arb | 293.57 Arb | +18.3% |
| Borrowings | 2.55 Arb | 2.80 Arb | -9.0% |
| Loans and Advances to BFIs | 1.94 Arb | 2.90 Arb | -33.1% |
| Loans and Advances to Customers | 247.15 Arb | 213.14 Arb | +16.0% |
| Investment Securities | 114.52 Arb | 96.45 Arb | +18.7% |
| Interest Income | 20.97 Arb | 22.82 Arb | -8.1% |
| Net Interest Income | 9.12 Arb | 9.82 Arb | -7.1% |
| Total Operating Income | 11.22 Arb | 12.00 Arb | -6.5% |
| Operating Profit | 3.94 Arb | 5.85 Arb | -32.6% |
| Net Profit | 2.63 Arb | 4.15 Arb | -36.7% |
| Distributable Profit | 1.26 Arb | 2.88 Arb | -56.1% |
| Number of Shares | 19.74 Cr | 19.29 Cr | +2.3% |
| EPS Reported | 13.33 | 21.54 | -38.1% |
| Book Value Reported | 197.11 | 203.01 | -2.9% |
| ROE Reported | 6.76% | 10.61% | -3.85 pp |
| CAR | 13.29% | 13.36% | -0.07 pp |
| NPL | 4.07% | 3.26% | +0.81 pp |
| Cost of funds | 2.97K | 3.81K | -22.0% |
| Credit To Deposit Ratio | 66.78% | 68.68% | -1.90 pp |
| Base Rate | 4.56% | 5.87% | -1.31 pp |
| Interest Spread Rate | 3.66% | 3.96% | -0.30 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
ADBL 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 | 19.09 Cr | 95.75 Cr | 1.84 Arb | 4.15 Arb | 57.39 L | 70.74 Cr | 1.39 Arb | 2.63 Arb |
| EPS | — | 9.93 | 12.75 | 21.54 | 0.17 | 9.89 | 9.42 | 13.33 |
| Net interest income | 1.54 Arb | 3.48 Arb | 6.13 Arb | 9.82 Arb | 2.42 Arb | 4.52 Arb | 6.63 Arb | 9.12 Arb |
| Revenue | 2.48 Arb | 4.87 Arb | 7.72 Arb | 12.00 Arb | 2.62 Arb | 5.22 Arb | 8.12 Arb | 11.22 Arb |
| Non-performing loans | 4.78% | 4.90% | 4.98% | 3.26% | 4.78% | 4.65% | 5.06% | 4.07% |