Asha Laghubitta Bittiya Sanstha Ltd. · Quarterly report
ALBSL Q4 Financial Report — FY 2082/83
Asha Laghubitta Bittiya Sanstha Ltd. (ALBSL) posted a year-to-date net profit of Rs 26.19 Cr at the end of Q4 FY 2082/83, up 25.2% from Rs 20.93 Cr a year earlier. Annualised EPS is Rs 32.63 against Rs 28.55 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 | 80.27 Cr | 73.30 Cr | +9.5% |
| Reserve and Surplus | 59.94 Cr | 53.44 Cr | +12.2% |
| Total Equity | 1.40 Arb | 1.27 Arb | +10.6% |
| Total Assets | 12.31 Arb | 11.16 Arb | +10.3% |
| Deposits from Customers | 3.81 Arb | 3.21 Arb | +18.8% |
| Borrowings | 6.86 Arb | 6.45 Arb | +6.3% |
| Loans and Advances to BFIs | 0 | 0 | — |
| Loans and Advances to Customers | 11.59 Arb | 10.45 Arb | +10.9% |
| Investments | 7.10 L | 7.10 L | +0.0% |
| Interest Income | 1.54 Arb | 1.47 Arb | +4.3% |
| Net Interest Income | 88.45 Cr | 73.88 Cr | +19.7% |
| Total Operating Income | 1.07 Arb | 89.20 Cr | +19.4% |
| Operating Profit | 37.14 Cr | 30.17 Cr | +23.1% |
| Net Profit | 26.19 Cr | 20.93 Cr | +25.2% |
| Number of Shares | 80.27 L | 73.30 L | +9.5% |
| EPS Reported | 32.63 | 28.55 | +14.3% |
| Book Value Reported | 174.67 | 172.90 | +1.0% |
| ROE Reported | 18.68% | 16.51% | +2.17 pp |
| CAR | 10.56% | 9.97% | +0.59 pp |
| NPL | 8.57% | 4.48% | +4.09 pp |
| Cost of funds | 6.15K | 7.13K | -13.7% |
| CD ratio | 114.00% | 110.00% | +4.00 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
ALBSL 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 | -53,413,510 | 2.36 Cr | 6.56 Cr | 20.93 Cr | 2.23 Cr | 12.56 Cr | 17.63 Cr | 26.19 Cr |
| EPS | -33.30 | 6.45 | 11.93 | 28.55 | 12.18 | 31.29 | 29.28 | 32.63 |
| Net interest income | 12.89 Cr | 34.01 Cr | 50.81 Cr | 73.88 Cr | 17.38 Cr | 38.75 Cr | 62.22 Cr | 88.45 Cr |
| Revenue | 16.17 Cr | 40.85 Cr | 61.62 Cr | 89.20 Cr | 20.35 Cr | 47.44 Cr | 75.70 Cr | 1.07 Arb |
| Non-performing loans | 59.44% | 68.24% | 69.98% | 4.48% | 10.34% | 48.43% | 9.88% | 8.57% |