Gurans Laghubitta Bittiya Sanstha Ltd · Quarterly report
GLBSL Q4 Financial Report — FY 2082/83
Gurans Laghubitta Bittiya Sanstha Ltd (GLBSL) posted a year-to-date net profit of Rs 4.12 Cr at the end of Q4 FY 2082/83, up 4.0% from Rs 3.96 Cr a year earlier. Annualised EPS is Rs 31.11 against Rs 34.17 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 | 13.24 Cr | 11.58 Cr | +14.2% |
| Reserve and Surplus | 9.20 Cr | 6.58 Cr | +39.9% |
| Total Equity | 22.44 Cr | 18.16 Cr | +23.5% |
| Total Assets | 2.32 Arb | 2.06 Arb | +12.4% |
| Deposits from Customers | 63.83 Cr | 45.56 Cr | +40.1% |
| Borrowings | 1.38 Arb | 1.30 Arb | +6.1% |
| Loans and Advances to BFIs | 0 | 0 | — |
| Loans and Advances to Customers | 2.22 Arb | 1.95 Arb | +14.1% |
| Investments | 0 | 90.00 L | -100.0% |
| Interest Income | 30.80 Cr | 26.32 Cr | +17.0% |
| Net Interest Income | 18.50 Cr | 13.24 Cr | +39.7% |
| Total Operating Income | 20.35 Cr | 15.87 Cr | +28.2% |
| Operating Profit | 5.92 Cr | 6.03 Cr | -1.9% |
| Net Profit | 4.12 Cr | 3.96 Cr | +4.0% |
| Number of Shares | 13.24 L | 11.58 L | +14.3% |
| EPS Reported | 31.11 | 34.17 | -9.0% |
| Book Value Reported | 169.51 | 156.79 | +8.1% |
| ROE Reported | 18.35% | 21.79% | -3.44 pp |
| CAR | 8.47% | 8.72% | -0.25 pp |
| NPL | 7.09% | 2.91% | +4.18 pp |
| Cost of funds | 6.06K | 6.90K | -12.2% |
| CD ratio | 352.61% | 427.56% | -74.95 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
GLBSL 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 | 1.02 Cr | 1.55 Cr | 2.71 Cr | 3.96 Cr | 1.45 Cr | 2.66 Cr | 4.03 Cr | 4.12 Cr |
| EPS | — | 26.70 | 31.20 | 34.17 | 50.03 | 40.22 | 40.62 | 31.11 |
| Net interest income | 3.14 Cr | 5.65 Cr | 8.92 Cr | 13.24 Cr | 4.29 Cr | 8.77 Cr | 13.35 Cr | 18.50 Cr |
| Revenue | 4.13 Cr | 7.14 Cr | 11.02 Cr | 15.87 Cr | 4.79 Cr | 9.72 Cr | 14.74 Cr | 20.35 Cr |
| Non-performing loans | 3.16% | 2.78% | 3.01% | 2.91% | 3.13% | 3.13% | 3.41% | 7.09% |