Ganapati Laghubitta Bittiya Sanstha Ltd · Quarterly report
GMFBS Q4 Financial Report — FY 2082/83
Ganapati Laghubitta Bittiya Sanstha Ltd (GMFBS) posted a year-to-date net profit of Rs 4.35 Cr at the end of Q4 FY 2082/83, up 2.3% from Rs 4.25 Cr a year earlier. Annualised EPS is Rs 28.68 against Rs 28.04 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 | 15.16 Cr | 15.16 Cr | +0.0% |
| Reserve and Surplus | 8.79 Cr | 11.74 Cr | -25.1% |
| Total Equity | 23.95 Cr | 26.89 Cr | -11.0% |
| Total Assets | 2.50 Arb | 2.67 Arb | -6.5% |
| Deposits from Customers | 52.59 Cr | 50.37 Cr | +4.4% |
| Borrowings | 1.64 Arb | 1.77 Arb | -7.5% |
| Loans and Advances to BFIs | 0 | 0 | — |
| Loans and Advances to Customers | 2.29 Arb | 2.29 Arb | -0.2% |
| Investments | 0 | 0 | — |
| Interest Income | 31.23 Cr | 33.11 Cr | -5.7% |
| Net Interest Income | 17.42 Cr | 17.28 Cr | +0.8% |
| Total Operating Income | -132,176,240 | 18.22 Cr | -172.6% |
| Operating Profit | 6.23 Cr | 6.07 Cr | +2.6% |
| Net Profit | 4.35 Cr | 4.25 Cr | +2.3% |
| Number of Shares | 15.16 L | 15.16 L | +0.0% |
| EPS Reported | 28.68 | 28.04 | +2.3% |
| Book Value Reported | 158.00 | 177.45 | -11.0% |
| ROE Reported | 18.15% | 15.80% | +2.35 pp |
| CAR | 8.65% | 8.68% | -0.03 pp |
| NPL | 13.79% | 4.51% | +9.28 pp |
| Cost of funds | 6.14K | 6.69K | -8.2% |
| CD ratio | 105.93% | 101.02% | +4.91 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
GMFBS 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 | 10.35 L | 1.24 Cr | 2.33 Cr | 4.25 Cr | 1.16 Cr | -3,569,460 | 6.10 Cr | 4.35 Cr |
| EPS | — | 16.30 | 20.51 | 28.04 | 30.67 | -4.71 | 53.71 | 28.68 |
| Net interest income | 3.58 Cr | 7.51 Cr | 12.01 Cr | 17.28 Cr | 4.90 Cr | 10.20 Cr | 14.80 Cr | 17.42 Cr |
| Revenue | 3.76 Cr | 7.93 Cr | 12.68 Cr | 18.22 Cr | 5.12 Cr | 10.63 Cr | 15.49 Cr | -132,176,240 |
| Non-performing loans | 4.93% | 4.13% | 5.94% | 4.51% | 4.79% | 14.37% | 14.29% | 13.79% |