Everest Bank Limited · Quarterly report
EBL Q4 Financial Report — FY 2082/83
Everest Bank Limited (EBL) posted a year-to-date net profit of Rs 5.07 Arb at the end of Q4 FY 2082/83, up 3.1% from Rs 4.92 Arb a year earlier. Annualised EPS is Rs 36.95 against Rs 37.99 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 | 13.72 Arb | 12.94 Arb | +6.0% |
| Share Premium | 23.85 Cr | 23.85 Cr | +0.0% |
| Retained Earnings | 5.50 Arb | 4.95 Arb | +11.1% |
| Reserves | 15.73 Arb | 13.89 Arb | +13.3% |
| Total Equity | 35.19 Arb | 32.02 Arb | +9.9% |
| Total Assets | 383.76 Arb | 365.21 Arb | +5.1% |
| Deposits from Customers | 316.02 Arb | 298.82 Arb | +5.8% |
| Borrowings | 0 | 1.10 Arb | -100.0% |
| Loans and Advances to BFIs | 11.53 Arb | 9.77 Arb | +18.0% |
| Loans and Advances to Customers | 235.57 Arb | 213.62 Arb | +10.3% |
| Investment Securities | 57.03 Arb | 100.52 Arb | -43.3% |
| Interest Income | 20.10 Arb | 20.82 Arb | -3.4% |
| Net Interest Income | 9.19 Arb | 9.13 Arb | +0.7% |
| Total Operating Income | 11.86 Arb | 11.17 Arb | +6.3% |
| Operating Profit | 7.38 Arb | 7.45 Arb | -0.9% |
| Net Profit | 5.07 Arb | 4.92 Arb | +3.1% |
| Distributable Profit | 5.50 Arb | 4.95 Arb | +11.1% |
| Number of Shares | 13.72 Cr | 12.94 Cr | +6.0% |
| EPS Reported | 36.95 | 37.99 | -2.7% |
| Book Value Reported | 256.47 | 247.39 | +3.7% |
| ROE Reported | 14.41% | 16.44% | -2.03 pp |
| CAR | 12.23% | 13.28% | -1.05 pp |
| NPL | 0.49% | 0.38% | +0.11 pp |
| Cost of funds | 3.15K | 3.87K | -18.6% |
| Credit To Deposit Ratio | 77.57% | 77.48% | +0.09 pp |
| Base Rate | 4.25% | 5.27% | -1.02 pp |
| Interest Spread Rate | 3.05% | 3.48% | -0.43 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
EBL 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 | 1.13 Arb | 2.07 Arb | 3.46 Arb | 4.92 Arb | 1.18 Arb | 2.12 Arb | 3.33 Arb | 5.07 Arb |
| EPS | — | 32.06 | 35.61 | 37.99 | 36.44 | 30.86 | 32.35 | 36.95 |
| Net interest income | 2.14 Arb | 4.32 Arb | 6.74 Arb | 9.13 Arb | 2.40 Arb | 4.57 Arb | 6.83 Arb | 9.19 Arb |
| Revenue | 2.67 Arb | 5.30 Arb | 8.18 Arb | 11.17 Arb | 3.11 Arb | 5.81 Arb | 8.93 Arb | 11.86 Arb |
| Non-performing loans | 0.77% | 0.66% | 0.64% | 0.38% | 0.74% | 0.68% | 0.61% | 0.49% |