Global IME Bank Limited · Quarterly report
GBIME Q4 Financial Report — FY 2082/83
Global IME Bank Limited (GBIME) posted a year-to-date net profit of Rs 6.23 Arb at the end of Q4 FY 2082/83, up 0.4% from Rs 6.20 Arb a year earlier. Annualised EPS is Rs 16.34 against Rs 16.28 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 | 38.12 Arb | 38.12 Arb | +0.0% |
| Share Premium | 0 | 0 | — |
| Retained Earnings | 4.58 Arb | 5.38 Arb | -14.8% |
| Reserves | 27.11 Arb | 24.21 Arb | +12.0% |
| Total Equity | 69.81 Arb | 67.71 Arb | +3.1% |
| Total Assets | 820.77 Arb | 689.75 Arb | +19.0% |
| Deposits from Customers | 669.17 Arb | 550.63 Arb | +21.5% |
| Borrowings | 9.11 Arb | 12.39 Arb | -26.5% |
| Loans and Advances to BFIs | 17.92 Arb | 15.80 Arb | +13.5% |
| Loans and Advances to Customers | 439.35 Arb | 411.79 Arb | +6.7% |
| Investment Securities | 199.66 Arb | 148.73 Arb | +34.2% |
| Interest Income | 40.30 Arb | 43.96 Arb | -8.3% |
| Net Interest Income | 16.20 Arb | 16.71 Arb | -3.0% |
| Total Operating Income | 21.80 Arb | 21.28 Arb | +2.5% |
| Operating Profit | 8.68 Arb | 8.77 Arb | -1.0% |
| Net Profit | 6.23 Arb | 6.20 Arb | +0.4% |
| Distributable Profit | 4.58 Arb | 5.38 Arb | -14.8% |
| Number of Shares | 38.12 Cr | 38.12 Cr | +0.0% |
| EPS Reported | 16.34 | 16.28 | +0.4% |
| Book Value Reported | 183.14 | 177.63 | +3.1% |
| ROE Reported | 8.92% | 9.61% | -0.69 pp |
| CAR | 12.10% | 13.39% | -1.29 pp |
| NPL | 4.96% | 4.87% | +0.09 pp |
| Cost of funds | 3.43K | 4.30K | -20.2% |
| Credit To Deposit Ratio | 68.43% | 76.07% | -7.64 pp |
| Base Rate | 4.75% | 5.76% | -1.01 pp |
| Interest Spread Rate | 3.29% | 3.63% | -0.34 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
GBIME 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 | 1.51 Arb | 3.05 Arb | 4.53 Arb | 6.20 Arb | 1.86 Arb | 3.25 Arb | 4.40 Arb | 6.23 Arb |
| EPS | — | 16.02 | 15.86 | 16.28 | 19.51 | 17.06 | 15.40 | 16.34 |
| Net interest income | 4.12 Arb | 8.30 Arb | 12.32 Arb | 16.71 Arb | 4.13 Arb | 8.02 Arb | 11.88 Arb | 16.20 Arb |
| Revenue | 5.24 Arb | 10.38 Arb | 15.54 Arb | 21.28 Arb | 5.52 Arb | 10.87 Arb | 16.03 Arb | 21.80 Arb |
| Non-performing loans | 4.67% | 4.86% | 4.98% | 4.87% | 4.98% | 4.91% | 4.97% | 4.96% |