Forward Microfinance Laghubitta Bittiya Sanstha Limited · Quarterly report
FOWAD Q4 Financial Report — FY 2082/83
Forward Microfinance Laghubitta Bittiya Sanstha Limited (FOWAD) posted a year-to-date net profit of Rs 62.36 Cr at the end of Q4 FY 2082/83, up 854.8% from Rs 6.53 Cr a year earlier. Annualised EPS is Rs 52.14 against Rs 5.46 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 | 1.20 Arb | 1.20 Arb | +0.0% |
| Reserve and Surplus | 2.14 Arb | 1.79 Arb | +19.3% |
| Total Equity | 3.33 Arb | 2.99 Arb | +11.6% |
| Total Assets | 24.07 Arb | 22.26 Arb | +8.2% |
| Deposits from Customers | 11.36 Arb | 10.07 Arb | +12.7% |
| Borrowings | 0 | 20.83 L | -100.0% |
| Loans and Advances to BFIs | 0 | 0 | — |
| Loans and Advances to Customers | 21.14 Arb | 20.42 Arb | +3.5% |
| Investments | 9.34 L | 11.96 L | -21.9% |
| Interest Income | 2.96 Arb | 2.63 Arb | +12.7% |
| Net Interest Income | 1.52 Arb | 1.06 Arb | +43.8% |
| Total Operating Income | 1.75 Arb | 1.26 Arb | +39.4% |
| Operating Profit | 88.86 Cr | 12.46 Cr | +613.0% |
| Net Profit | 62.36 Cr | 6.53 Cr | +854.8% |
| Number of Shares | 1.20 Cr | 1.20 Cr | +0.0% |
| EPS Reported | 52.14 | 5.46 | +854.9% |
| Book Value Reported | 278.57 | 249.65 | +11.6% |
| ROE Reported | 18.72% | 2.19% | +16.53 pp |
| CAR | 9.17% | 10.06% | -0.89 pp |
| NPL | 16.17% | 6.65% | +9.52 pp |
| Cost of funds | 6.96K | 8.57K | -18.8% |
| CD ratio | 115.92% | 117.19% | -1.27 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
FOWAD 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 | 4.16 Cr | 88.53 L | 3.62 Cr | 6.53 Cr | 5.72 Cr | 19.12 Cr | 16.28 Cr | 62.36 Cr |
| EPS | — | 1.48 | 4.03 | 5.46 | 19.12 | 31.98 | 18.15 | 52.14 |
| Net interest income | 28.08 Cr | 46.61 Cr | 88.17 Cr | 1.06 Arb | 33.40 Cr | 71.82 Cr | 1.08 Arb | 1.52 Arb |
| Revenue | 31.92 Cr | 55.39 Cr | 1.02 Arb | 1.26 Arb | 37.46 Cr | 81.60 Cr | 1.25 Arb | 1.75 Arb |
| Non-performing loans | 7.38% | 5.35% | 5.85% | 6.65% | 8.20% | 8.92% | 18.91% | 16.17% |