Aviyan Laghubittya Bittiya Sanstha Limited · Quarterly report
AVYAN Q4 Financial Report — FY 2082/83
Aviyan Laghubittya Bittiya Sanstha Limited (AVYAN) posted a year-to-date net profit of Rs 14.26 Cr at the end of Q4 FY 2082/83, up 115.9% from Rs 6.61 Cr a year earlier. Annualised EPS is Rs 57.04 against Rs 26.42 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 | 25.00 Cr | 25.00 Cr | +0.0% |
| Reserve and Surplus | 14.69 Cr | 6.75 Cr | +117.8% |
| Total Equity | 39.69 Cr | 31.75 Cr | +25.0% |
| Total Assets | 3.71 Arb | 3.67 Arb | +1.2% |
| Deposits from Customers | 35.41 Cr | 35.86 Cr | -1.2% |
| Borrowings | 2.87 Arb | 2.92 Arb | -1.8% |
| Loans and Advances to BFIs | 0 | 0 | — |
| Loans and Advances to Customers | 3.60 Arb | 3.45 Arb | +4.3% |
| Investments | 0 | 0 | — |
| Interest Income | 51.84 Cr | 39.96 Cr | +29.7% |
| Net Interest Income | 31.17 Cr | 18.90 Cr | +64.9% |
| Total Operating Income | 34.78 Cr | 24.40 Cr | +42.5% |
| Operating Profit | 19.70 Cr | 10.24 Cr | +92.3% |
| Net Profit | 14.26 Cr | 6.61 Cr | +115.9% |
| Number of Shares | 25.00 L | 25.00 L | +0.0% |
| EPS Reported | 57.04 | 26.42 | +115.9% |
| Book Value Reported | 158.75 | 126.98 | +25.0% |
| ROE Reported | 35.93% | 20.81% | +15.12 pp |
| CAR | 8.95% | 8.99% | -0.04 pp |
| NPL | 7.41% | 4.00% | +3.41 pp |
| Cost of funds | 5.98K | 8.07K | -25.9% |
| CD ratio | 111.65% | 103.35% | +8.30 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
AVYAN 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 | -32,974,990 | 37.87 L | 3.17 Cr | 6.61 Cr | 81.11 L | 7.74 Cr | 9.85 Cr | 14.26 Cr |
| EPS | -52.76 | 3.03 | 16.92 | 26.42 | 12.98 | 61.89 | 52.53 | 57.04 |
| Net interest income | 2.42 Cr | 6.32 Cr | 11.04 Cr | 18.90 Cr | 5.10 Cr | 15.69 Cr | 22.61 Cr | 31.17 Cr |
| Revenue | 3.02 Cr | 8.44 Cr | 14.36 Cr | 24.40 Cr | 5.79 Cr | 17.51 Cr | 25.18 Cr | 34.78 Cr |
| Non-performing loans | 8.33% | 4.14% | 6.84% | 4.00% | 7.69% | 4.15% | 5.14% | 7.41% |