Grameen Bikas Laghubitta Bittiya Sanstha Ltd. · Quarterly report
GBLBS Q4 Financial Report — FY 2082/83
Grameen Bikas Laghubitta Bittiya Sanstha Ltd. (GBLBS) posted a year-to-date net profit of Rs 26.67 Cr at the end of Q4 FY 2082/83, down 15.2% from Rs 31.45 Cr a year earlier. Annualised EPS is Rs 26.53 against Rs 32.01 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 | 1.01 Arb | 98.25 Cr | +2.3% |
| Reserve and Surplus | 1.92 Arb | 1.90 Arb | +0.9% |
| Total Equity | 2.92 Arb | 2.88 Arb | +1.4% |
| Total Assets | 16.36 Arb | 14.47 Arb | +13.0% |
| Deposits from Customers | 3.95 Arb | 3.56 Arb | +11.1% |
| Borrowings | 2.99 Cr | 8.98 Cr | -66.7% |
| Loans and Advances to BFIs | 0 | 0 | — |
| Loans and Advances to Customers | -14,727,898,400 | 12.68 Arb | -216.2% |
| Investments | 20.25 L | 20.25 L | +0.0% |
| Interest Income | 2.16 Arb | 2.00 Arb | +8.1% |
| Net Interest Income | 1.38 Arb | 1.17 Arb | +18.5% |
| Total Operating Income | 1.50 Arb | 1.27 Arb | +18.7% |
| Operating Profit | 37.12 Cr | 44.98 Cr | -17.5% |
| Net Profit | 26.67 Cr | 31.45 Cr | -15.2% |
| Number of Shares | 1.01 Cr | 98.25 L | +2.3% |
| EPS Reported | 26.53 | 32.01 | -17.1% |
| Book Value Reported | 290.66 | 293.35 | -0.9% |
| ROE Reported | 9.13% | 10.91% | -1.78 pp |
| CAR | 11.37% | 11.59% | -0.22 pp |
| NPL | 6.72% | 4.70% | +2.02 pp |
| Cost of funds | 6.12K | 6.80K | -10.0% |
| CD ratio | 400.10% | 26.83% | +373.27 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
GBLBS 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 | 8.79 Cr | 18.49 Cr | 24.68 Cr | 31.45 Cr | 12.20 Cr | 21.99 Cr | 30.16 Cr | 26.67 Cr |
| EPS | — | 37.63 | 33.49 | 32.01 | 49.68 | 43.75 | 40.00 | 26.53 |
| Net interest income | 32.23 Cr | 59.89 Cr | 85.78 Cr | 1.17 Arb | 33.56 Cr | 66.43 Cr | 1.01 Arb | 1.38 Arb |
| Revenue | 35.26 Cr | 64.86 Cr | 93.09 Cr | 1.27 Arb | 35.64 Cr | 71.51 Cr | 1.10 Arb | 1.50 Arb |
| Non-performing loans | 4.78% | 4.15% | 4.42% | 4.70% | 4.69% | 4.76% | 4.94% | 6.72% |