Chhimek Laghubitta Bittiya Sanstha Limited · Quarterly report
CBBL Q4 Financial Report — FY 2082/83
Chhimek Laghubitta Bittiya Sanstha Limited (CBBL) posted a year-to-date net profit of Rs 1.30 Arb at the end of Q4 FY 2082/83, up 7.1% from Rs 1.21 Arb a year earlier. Annualised EPS is Rs 35.91 against Rs 37.72 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 | 3.62 Arb | 3.22 Arb | +12.5% |
| Reserve and Surplus | 5.46 Arb | 5.07 Arb | +7.9% |
| Total Equity | 9.08 Arb | 8.28 Arb | +9.7% |
| Total Assets | 57.66 Arb | 51.77 Arb | +11.4% |
| Deposits from Customers | 44.80 Arb | 39.43 Arb | +13.6% |
| Borrowings | 2.83 Arb | 3.02 Arb | -6.4% |
| Loans and Advances to BFIs | 0 | 0 | — |
| Loans and Advances to Customers | 45.49 Arb | 39.79 Arb | +14.3% |
| Investments | 1.15 Arb | 68.42 Cr | +67.9% |
| Interest Income | 6.72 Arb | 6.12 Arb | +9.7% |
| Net Interest Income | 3.01 Arb | 2.82 Arb | +6.7% |
| Total Operating Income | 3.41 Arb | 3.16 Arb | +8.0% |
| Operating Profit | 1.82 Arb | 1.70 Arb | +6.7% |
| Net Profit | 1.30 Arb | 1.21 Arb | +7.1% |
| Number of Shares | 3.62 Cr | 3.22 Cr | +12.5% |
| EPS Reported | 35.91 | 37.72 | -4.8% |
| Book Value Reported | 251.06 | 257.54 | -2.5% |
| ROE Reported | 14.30% | 14.65% | -0.35 pp |
| CAR | 17.01% | 17.51% | -0.50 pp |
| NPL | 2.30% | 2.55% | -0.25 pp |
| Cost of funds | 8.17K | 8.21K | -0.5% |
| CD ratio | 95.51% | 97.13% | -1.62 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
CBBL 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 | 23.75 Cr | 51.18 Cr | 85.36 Cr | 1.21 Arb | 26.90 Cr | 57.61 Cr | 90.65 Cr | 1.30 Arb |
| EPS | 31.91 | 31.84 | 35.39 | 37.72 | 33.46 | 31.85 | 33.41 | 35.91 |
| Net interest income | 67.98 Cr | 1.36 Arb | 2.06 Arb | 2.82 Arb | 75.51 Cr | 1.46 Arb | 2.20 Arb | 3.01 Arb |
| Revenue | 76.79 Cr | 1.54 Arb | 2.33 Arb | 3.16 Arb | 84.00 Cr | 1.64 Arb | 2.50 Arb | 3.41 Arb |
| Non-performing loans | 2.89% | 2.72% | 2.60% | 2.55% | 2.51% | 2.45% | 2.32% | 2.30% |