Adarsha Laghubitta Bittiya Sanstha Limited · Quarterly report
ADLB Q3 Financial Report — FY 2079/80
Adarsha Laghubitta Bittiya Sanstha Limited (ADLB) posted a year-to-date net profit of Rs 2.51 L at the end of Q3 FY 2079/80, down 88.5% from Rs 21.86 L a year earlier.
Q3 FY 2079/80 vs Q3 FY 2078/79
| Metric | Q3 2079/80 | Q3 2078/79 | Change |
|---|---|---|---|
| Paid Up Capital | 2.48 Cr | 1.40 Cr | +77.4% |
| Reserve and Surplus | 64.91 L | 83.85 L | -22.6% |
| Total Equity | 3.13 Cr | 2.24 Cr | +40.0% |
| Total Assets | 29.58 Cr | 29.03 Cr | +1.9% |
| Deposits from Customers | 15.75 Cr | 13.76 Cr | +14.4% |
| Borrowings | 9.43 Cr | 12.01 Cr | -21.5% |
| Loans and Advances to Customers | 26.62 Cr | 27.48 Cr | -3.1% |
| Interest Income | 3.11 Cr | 2.79 Cr | +11.5% |
| Net Interest Income | 1.25 Cr | 1.34 Cr | -6.8% |
| Total Operating Income | 1.68 Cr | 1.83 Cr | -8.3% |
| Operating Profit | 3.94 L | 23.74 L | -83.4% |
| Net Profit | 2.51 L | 21.86 L | -88.5% |
| Number of Shares | 2.48 L | 1.40 L | +77.4% |
| EPS(Rs.) | 1.34 | 20.82 | -93.6% |
| Book Value(Rs.) | 126.13 | 159.89 | -21.1% |
| ROE | 1.07% | 13.02% | -11.95 pp |
| CAR | 11.34% | 8.02% | +3.32 pp |
| NPL | 3.52% | 1.41% | +2.11 pp |
| Cost of funds | 10.19K | 9.15K | +11.4% |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
ADLB last 5 quarters
| Metric | Q3 2078/79 | Q4 2078/79 | Q1 2079/80 | Q2 2079/80 | Q3 2079/80 |
|---|---|---|---|---|---|
| Net profit | 21.86 L | 68.94 L | 3.50 L | 7.34 L | 2.51 L |
| Net interest income | 1.34 Cr | 1.75 Cr | 47.30 L | 90.43 L | 1.25 Cr |
| Revenue | 1.83 Cr | 3.16 Cr | 66.68 L | 1.24 Cr | 1.68 Cr |
| Non-performing loans | 1.41% | 1.06% | 1.47% | 2.29% | 3.52% |
| Return on equity | 13.02% | 20.83% | 4.18% | 3.87% | 1.07% |