Adhikhola Laghubitta Bittiya Sanstha Limited · Quarterly report
AKBSL Q2 Financial Report — FY 2079/80
Adhikhola Laghubitta Bittiya Sanstha Limited (AKBSL) posted a year-to-date net profit of Rs 1.13 Cr at the end of Q2 FY 2079/80, down 54.1% from Rs 2.46 Cr a year earlier.
Q2 FY 2079/80 vs Q2 FY 2078/79
| Metric | Q2 2079/80 | Q2 2078/79 | Change |
|---|---|---|---|
| Paid Up Capital | 11.90 Cr | 10.00 Cr | +19.0% |
| Reserve and Surplus | 8.49 Cr | 8.54 Cr | -0.5% |
| Total Equity | 20.39 Cr | 18.54 Cr | +10.0% |
| Total Assets | 1.50 Arb | 1.28 Arb | +17.5% |
| Deposits from Customers | 49.24 Cr | 42.29 Cr | +16.4% |
| Borrowings | 77.62 Cr | 63.97 Cr | +21.3% |
| Loans and Advances to Customers | 1.45 Arb | 1.23 Arb | +17.9% |
| Interest Income | 9.84 Cr | 7.69 Cr | +27.9% |
| Net Interest Income | 3.13 Cr | 3.99 Cr | -21.7% |
| Total Operating Income | 4.50 Cr | 5.35 Cr | -15.9% |
| Operating Profit | 79.94 L | 2.14 Cr | -62.7% |
| Net Profit | 1.13 Cr | 2.46 Cr | -54.1% |
| Number of Shares | 11.90 L | 10.00 L | +19.0% |
| EPS(Rs.) | 18.99 | 49.26 | -61.4% |
| Book Value(Rs.) | 171.38 | 185.36 | -7.5% |
| ROE | 11.08% | 26.57% | -15.49 pp |
| CAR | 13.30% | 14.67% | -1.37 pp |
| NPL | 4.91% | 4.31% | +0.60 pp |
| Cost of funds | 10.77K | 10.82K | -0.5% |
| CD ratio | 297.82% | 293.78% | +4.04 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
AKBSL last 5 quarters
| Metric | Q2 2078/79 | Q3 2078/79 | Q4 2078/79 | Q1 2079/80 | Q2 2079/80 |
|---|---|---|---|---|---|
| Net profit | 2.46 Cr | 3.48 Cr | 4.56 Cr | 19.89 L | 1.13 Cr |
| Net interest income | 3.99 Cr | 5.99 Cr | 8.78 Cr | 1.35 Cr | 3.13 Cr |
| Revenue | 5.35 Cr | 8.09 Cr | 11.64 Cr | 2.01 Cr | 4.50 Cr |
| Non-performing loans | 4.31% | 3.46% | 3.42% | 4.87% | 4.91% |
| Return on equity | 26.57% | 23.75% | 21.89% | 3.36% | 11.08% |