Citizens Bank International Limited · Quarterly report
CZBIL Q4 Financial Report — FY 2082/83
Citizens Bank International Limited (CZBIL) posted a year-to-date net profit of Rs 2.10 Arb at the end of Q4 FY 2082/83, up 62.3% from Rs 1.29 Arb a year earlier. Annualised EPS is Rs 13.53 against Rs 8.76 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 | 15.51 Arb | 14.77 Arb | +5.0% |
| Share Premium | 0 | 0 | — |
| Retained Earnings | 52.31 Cr | 77.55 Cr | -32.5% |
| Reserves | 8.86 Arb | 7.41 Arb | +19.6% |
| Total Equity | 24.89 Arb | 22.95 Arb | +8.4% |
| Total Assets | 268.69 Arb | 245.38 Arb | +9.5% |
| Deposits from Customers | 231.73 Arb | 211.50 Arb | +9.6% |
| Borrowings | 0 | 0 | — |
| Loans and Advances to BFIs | 1.18 Arb | 1.25 Arb | -5.8% |
| Loans and Advances to Customers | 170.14 Arb | 168.96 Arb | +0.7% |
| Investment Securities | 58.14 Arb | 42.27 Arb | +37.6% |
| Interest Income | 15.01 Arb | 17.31 Arb | -13.3% |
| Net Interest Income | 6.29 Arb | 6.36 Arb | -1.1% |
| Total Operating Income | 8.35 Arb | 8.12 Arb | +2.8% |
| Operating Profit | 3.60 Arb | 2.00 Arb | +80.0% |
| Net Profit | 2.10 Arb | 1.29 Arb | +62.3% |
| Distributable Profit | 52.31 Cr | 77.55 Cr | -32.5% |
| Number of Shares | 15.51 Cr | 14.77 Cr | +5.0% |
| EPS Reported | 13.53 | 8.76 | +54.5% |
| Book Value Reported | 160.51 | 155.42 | +3.3% |
| ROE Reported | 8.43% | 5.63% | +2.80 pp |
| CAR | 14.00% | 12.45% | +1.55 pp |
| NPL | 3.00% | 4.94% | -1.94 pp |
| Cost of funds | 4.00K | 4.49K | -10.9% |
| Credit To Deposit Ratio | 71.00% | 81.91% | -10.91 pp |
| Base Rate | 5.00% | 6.25% | -1.25 pp |
| Interest Spread Rate | 3.00% | 3.64% | -0.64 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
CZBIL 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 | 19.82 Cr | 66.18 Cr | 96.19 Cr | 1.29 Arb | -220,411,170 | 35.89 Cr | 1.31 Arb | 2.10 Arb |
| EPS | — | 8.96 | 8.68 | 8.76 | -5.97 | 4.63 | 11.23 | 13.53 |
| Net interest income | 1.50 Arb | 3.07 Arb | 4.75 Arb | 6.36 Arb | 1.67 Arb | 3.14 Arb | 4.68 Arb | 6.29 Arb |
| Revenue | 1.98 Arb | 3.93 Arb | 5.98 Arb | 8.12 Arb | 2.21 Arb | 4.12 Arb | 6.16 Arb | 8.35 Arb |
| Non-performing loans | 5.41% | 4.85% | 5.71% | 4.94% | 6.84% | 6.86% | 6.82% | 3.00% |