Deprosc Laghubitta Bittiya Sanstha Limited · Quarterly report
DDBL Q4 Financial Report — FY 2082/83
Deprosc Laghubitta Bittiya Sanstha Limited (DDBL) posted a year-to-date net profit of Rs 98.94 Cr at the end of Q4 FY 2082/83, up 43.2% from Rs 69.12 Cr a year earlier. Annualised EPS is Rs 48.15 against Rs 36.99 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 | 2.06 Arb | 1.87 Arb | +10.0% |
| Reserve and Surplus | 2.61 Arb | 0 | — |
| Total Equity | 4.66 Arb | 3.90 Arb | +19.5% |
| Total Assets | 29.74 Arb | 27.12 Arb | +9.6% |
| Deposits from Customers | 12.97 Arb | 11.02 Arb | +17.8% |
| Borrowings | 11.57 Arb | 11.68 Arb | -1.0% |
| Loans and Advances to BFIs | 0 | 0 | — |
| Loans and Advances to Customers | 27.28 Arb | 25.32 Arb | +7.7% |
| Investments | 12.20 L | 13.66 L | -10.7% |
| Interest Income | 3.69 Arb | 3.50 Arb | +5.5% |
| Net Interest Income | 2.19 Arb | 1.84 Arb | +19.1% |
| Total Operating Income | 2.41 Arb | 2.04 Arb | +17.9% |
| Operating Profit | 1.44 Arb | 1.05 Arb | +36.6% |
| Net Profit | 98.94 Cr | 69.12 Cr | +43.2% |
| Number of Shares | 2.06 Cr | 1.87 Cr | +10.0% |
| EPS Reported | 48.15 | 36.99 | +30.2% |
| Book Value Reported | 226.87 | 208.84 | +8.6% |
| ROE Reported | 21.22% | 17.71% | +3.51 pp |
| CAR | 14.96% | 13.20% | +1.76 pp |
| NPL | 6.49% | 7.73% | -1.24 pp |
| Cost of funds | 6.85K | 7.77K | -11.8% |
| CD ratio | 112.67% | 112.97% | -0.30 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
DDBL 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 | 6.80 Cr | 24.57 Cr | 43.21 Cr | 69.12 Cr | 20.22 Cr | 44.29 Cr | 68.01 Cr | 98.94 Cr |
| EPS | — | 28.80 | 30.84 | 36.99 | 43.29 | 47.41 | 44.13 | 48.15 |
| Net interest income | 41.61 Cr | 99.46 Cr | 1.49 Arb | 1.84 Arb | 53.35 Cr | 1.06 Arb | 1.58 Arb | 2.19 Arb |
| Revenue | 46.22 Cr | 1.09 Arb | 1.63 Arb | 2.04 Arb | 57.78 Cr | 1.15 Arb | 1.74 Arb | 2.41 Arb |
| Non-performing loans | 9.01% | 6.09% | 8.66% | 7.73% | 8.73% | 8.43% | 7.52% | 6.49% |