Dhaulagiri laghubitta Sanstha Limited · Quarterly report
DLBS Q4 Financial Report — FY 2082/83
Dhaulagiri laghubitta Sanstha Limited (DLBS) posted a year-to-date net profit of Rs 2.09 Cr at the end of Q4 FY 2082/83, up 37.6% from Rs 1.52 Cr a year earlier. Annualised EPS is Rs 15.72 against Rs 11.43 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 | 13.31 Cr | 13.31 Cr | +0.0% |
| Reserve and Surplus | 6.73 Cr | 9.26 Cr | -27.3% |
| Total Equity | 20.04 Cr | 22.57 Cr | -11.2% |
| Total Assets | 2.46 Arb | 2.61 Arb | -5.9% |
| Deposits from Customers | 95.29 Cr | 85.64 Cr | +11.3% |
| Borrowings | 1.04 Arb | 12.38 Cr | +740.4% |
| Loans and Advances to BFIs | 0 | 0 | — |
| Loans and Advances to Customers | 2.01 Arb | 2.20 Arb | -9.0% |
| Investments | 0 | 0 | — |
| Interest Income | 29.52 Cr | 32.61 Cr | -9.5% |
| Net Interest Income | 15.13 Cr | 14.91 Cr | +1.5% |
| Total Operating Income | 2.94 Cr | 2.90 Cr | +1.5% |
| Operating Profit | 3.29 Cr | 1.56 Cr | +111.2% |
| Net Profit | 2.09 Cr | 1.52 Cr | +37.6% |
| Number of Shares | 13.31 L | 13.31 L | +0.0% |
| EPS Reported | 15.72 | 11.43 | +37.5% |
| Book Value Reported | 150.57 | 169.57 | -11.2% |
| ROE Reported | 10.44% | 6.74% | +3.70 pp |
| CAR | 7.57% | 9.04% | -1.47 pp |
| NPL | 20.52% | 7.37% | +13.15 pp |
| Cost of funds | 6.72K | 7.41K | -9.3% |
| CD ratio | 45.18% | 38.87% | +6.31 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
DLBS 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 | -12,468,350 | 20.81 L | 52.56 L | 1.52 Cr | 25.95 L | 1.22 Cr | 1.83 Cr | 2.09 Cr |
| EPS | -37.47 | 3.13 | 5.27 | 11.43 | 7.80 | 18.38 | 18.29 | 15.72 |
| Net interest income | 1.94 Cr | 6.41 Cr | 9.70 Cr | 14.91 Cr | 3.46 Cr | 8.24 Cr | 10.97 Cr | 15.13 Cr |
| Revenue | 63.05 L | 1.49 Cr | 1.92 Cr | 2.90 Cr | 70.74 L | 1.58 Cr | 13.47 Cr | 2.94 Cr |
| Non-performing loans | 5.34% | 5.50% | 6.96% | 7.37% | 9.77% | 9.83% | 23.62% | 20.52% |