Garima Bikas Bank Limited · Quarterly report
GBBL Q4 Financial Report — FY 2082/83
Garima Bikas Bank Limited (GBBL) posted a year-to-date net profit of Rs 1.69 Arb at the end of Q4 FY 2082/83, up 28.9% from Rs 1.31 Arb a year earlier. Annualised EPS is Rs 28.04 against Rs 23.07 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 | 6.02 Arb | 5.68 Arb | +6.0% |
| Share Premium | 0 | 0 | — |
| Retained Earnings | 1.22 Arb | 71.50 Cr | +70.3% |
| Reserves | 3.43 Arb | 2.93 Arb | +17.2% |
| Total Equity | 10.67 Arb | 9.33 Arb | +14.4% |
| Total Assets | 113.04 Arb | 104.54 Arb | +8.1% |
| Deposits from Customers | 98.47 Arb | 90.12 Arb | +9.3% |
| Borrowings | 0 | 0 | — |
| Loans and Advances to BFIs | 3.36 Arb | 4.57 Arb | -26.6% |
| Loans and Advances to Customers | 78.24 Arb | 69.32 Arb | +12.9% |
| Investment Securities | 20.90 Arb | 20.20 Arb | +3.5% |
| Interest Income | 7.51 Arb | 8.42 Arb | -10.9% |
| Net Interest Income | 3.82 Arb | 3.64 Arb | +4.7% |
| Total Operating Income | 4.57 Arb | 4.29 Arb | +6.5% |
| Operating Profit | 2.58 Arb | 1.90 Arb | +35.9% |
| Net Profit | 1.69 Arb | 1.31 Arb | +28.9% |
| Distributable Profit | 1.22 Arb | 71.50 Cr | +70.3% |
| Number of Shares | 6.02 Cr | 5.68 Cr | +6.0% |
| EPS Reported | 28.04 | 23.07 | +21.5% |
| Book Value Reported | 177.26 | 164.17 | +8.0% |
| ROE Reported | 15.82% | 14.90% | +0.92 pp |
| CAR | 13.63% | 13.47% | +0.16 pp |
| NPL | 4.76% | 4.72% | +0.04 pp |
| Cost of funds | 3.53K | 4.84K | -27.1% |
| Credit To Deposit Ratio | 86.14% | 85.13% | +1.01 pp |
| Base Rate | 5.26% | 6.94% | -1.68 pp |
| Interest Spread Rate | 4.04% | 4.37% | -0.33 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
GBBL 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 | 22.57 Cr | 54.93 Cr | 73.35 Cr | 1.31 Arb | 25.06 Cr | 63.51 Cr | 1.05 Arb | 1.69 Arb |
| EPS | — | 19.34 | 17.22 | 23.07 | 17.64 | 21.10 | 23.21 | 28.04 |
| Net interest income | 98.68 Cr | 1.84 Arb | 2.67 Arb | 3.64 Arb | 99.86 Cr | 1.88 Arb | 2.80 Arb | 3.82 Arb |
| Revenue | 1.13 Arb | 2.11 Arb | 3.07 Arb | 4.29 Arb | 1.16 Arb | 2.23 Arb | 3.33 Arb | 4.57 Arb |
| Non-performing loans | 3.82% | 4.72% | 4.78% | 4.72% | 4.73% | 4.78% | 4.77% | 4.76% |