Ghodighoda Laghubitta Bittiya Sanstha Ltd · Quarterly report
GGBSL Q2 Financial Report — FY 2079/80
Ghodighoda Laghubitta Bittiya Sanstha Ltd (GGBSL) posted a year-to-date net profit of Rs 71.42 L at the end of Q2 FY 2079/80, down 90.1% from Rs 7.21 Cr a year earlier.
Q2 FY 2079/80 vs Q2 FY 2078/79
| Metric | Q2 2079/80 | Q2 2078/79 | Change |
|---|---|---|---|
| Paid Up Capital | 11.06 Cr | 11.06 Cr | +0.0% |
| Reserve and Surplus | 27.02 Cr | 25.15 Cr | +7.5% |
| Total Equity | 38.08 Cr | 36.21 Cr | +5.2% |
| Total Assets | 4.43 Arb | 4.11 Arb | +7.9% |
| Deposits from Customers | 2.46 Arb | 2.29 Arb | +7.1% |
| Borrowings | 84.85 Cr | 95.02 Cr | -10.7% |
| Loans and Advances to Customers | 4.00 Arb | 3.88 Arb | +3.0% |
| Interest Income | 27.18 Cr | 24.91 Cr | +9.1% |
| Net Interest Income | 12.25 Cr | 14.21 Cr | -13.8% |
| Total Operating Income | 15.76 Cr | 18.97 Cr | -16.9% |
| Operating Profit | 94.79 L | 8.14 Cr | -88.4% |
| Net Profit | 71.42 L | 7.21 Cr | -90.1% |
| Number of Shares | 11.06 L | 11.06 L | +0.0% |
| EPS(Rs.) | 12.91 | 130.29 | -90.1% |
| Book Value(Rs.) | 344.23 | 327.29 | +5.2% |
| ROE | 3.75% | 39.81% | -36.06 pp |
| CAR | 9.44% | 9.80% | -0.36 pp |
| NPL | 7.37% | 4.98% | +2.39 pp |
| Cost of funds | 8.70K | 7.54K | +15.4% |
| CD ratio | 162.73% | 169.13% | -6.40 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
GGBSL last 7 quarters
| Metric | Q4 2072/73 | Q4 2073/74 | Q2 2078/79 | Q3 2078/79 | Q4 2078/79 | Q1 2079/80 | Q2 2079/80 |
|---|---|---|---|---|---|---|---|
| Net profit | — | — | 7.21 Cr | 7.27 Cr | 9.01 Cr | -2,275,480 | 71.42 L |
| Net interest income | — | — | 14.21 Cr | 20.62 Cr | 27.78 Cr | 5.89 Cr | 12.25 Cr |
| Revenue | — | — | 18.97 Cr | 27.09 Cr | 36.10 Cr | 7.58 Cr | 15.76 Cr |
| Non-performing loans | — | — | 4.98% | 3.93% | 4.34% | 5.70% | 7.37% |
| Return on equity | — | — | 39.81% | 26.91% | 24.01% | -2.00% | 3.75% |