Excel Development Bank Ltd. · Quarterly report
EDBL Q4 Financial Report — FY 2082/83
Excel Development Bank Ltd. (EDBL) posted a year-to-date net profit of Rs 30.94 Cr at the end of Q4 FY 2082/83, up 656.5% from Rs 4.09 Cr a year earlier. Annualised EPS is Rs 24.76 against Rs 3.27 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 | 1.25 Arb | 1.25 Arb | +0.0% |
| Share Premium | 90.75 L | 90.75 L | +0.0% |
| Retained Earnings | 17.97 Cr | 2.61 Cr | +589.4% |
| Reserves | 78.41 Cr | 80.65 Cr | -2.8% |
| Total Equity | 2.22 Arb | 2.09 Arb | +6.3% |
| Total Assets | 21.33 Arb | 19.17 Arb | +11.3% |
| Deposits from Customers | 18.58 Arb | 16.50 Arb | +12.6% |
| Borrowings | 0 | 0 | — |
| Loans and Advances to BFIs | 20.40 Cr | 19.03 Cr | +7.2% |
| Loans and Advances to Customers | 13.19 Arb | 12.10 Arb | +9.0% |
| Investment Securities | 4.19 Arb | 4.00 Arb | +4.7% |
| Interest Income | 1.21 Arb | 1.21 Arb | -0.1% |
| Net Interest Income | 64.88 Cr | 55.14 Cr | +17.7% |
| Total Operating Income | 76.24 Cr | 63.60 Cr | +19.9% |
| Operating Profit | 53.96 Cr | 10.11 Cr | +433.7% |
| Net Profit | 30.94 Cr | 4.09 Cr | +656.5% |
| Distributable Profit | 17.97 Cr | 2.61 Cr | +589.4% |
| Number of Shares | 1.25 Cr | 1.25 Cr | +0.0% |
| EPS Reported | 24.76 | 3.27 | +657.2% |
| Book Value Reported | 177.85 | 167.35 | +6.3% |
| ROE Reported | 13.92% | 2.03% | +11.89 pp |
| CAR | 14.63% | 12.84% | +1.79 pp |
| NPL | 4.57% | 6.71% | -2.14 pp |
| Cost of funds | 2.89K | 3.87K | -25.3% |
| Credit To Deposit Ratio | 73.50% | 76.66% | -3.16 pp |
| Base Rate | 4.87% | 6.02% | -1.15 pp |
| Interest Spread Rate | 4.55% | 4.58% | -0.03 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
EDBL 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 | -123,016,030 | -90,535,300 | -6,383,000 | 4.09 Cr | -89,796,910 | 8.85 Cr | 15.57 Cr | 30.94 Cr |
| EPS | — | -14.49 | -0.68 | 3.27 | -28.74 | 14.17 | 16.61 | 24.76 |
| Net interest income | 12.02 Cr | 19.64 Cr | 32.94 Cr | 55.14 Cr | 13.33 Cr | 26.88 Cr | 41.56 Cr | 64.88 Cr |
| Revenue | 13.89 Cr | 23.51 Cr | 38.77 Cr | 63.60 Cr | 15.40 Cr | 31.13 Cr | 48.67 Cr | 76.24 Cr |
| Non-performing loans | 11.73% | 8.56% | 8.46% | 6.71% | 9.68% | 7.07% | 6.59% | 4.57% |