Green Development Bank Ltd. · Quarterly report
GRDBL Q4 Financial Report — FY 2082/83
Green Development Bank Ltd. (GRDBL) posted a year-to-date net profit of Rs 7.24 Cr at the end of Q4 FY 2082/83, up 4.3% from Rs 6.94 Cr a year earlier. Annualised EPS is Rs 11.76 against Rs 12.18 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 | 61.55 Cr | 56.97 Cr | +8.0% |
| Share Premium | 1.81K | 1.81K | +0.0% |
| Retained Earnings | 5.82 Cr | 6.08 Cr | -4.2% |
| Reserves | 8.23 Cr | 6.52 Cr | +26.3% |
| Total Equity | 75.60 Cr | 69.57 Cr | +8.7% |
| Total Assets | 7.24 Arb | 7.21 Arb | +0.5% |
| Deposits from Customers | 6.35 Arb | 6.38 Arb | -0.4% |
| Borrowings | 4.17 L | 1.71 Cr | -97.6% |
| Loans and Advances to BFIs | 3.98 Cr | 11.95 Cr | -66.7% |
| Loans and Advances to Customers | 5.29 Arb | 4.74 Arb | +11.7% |
| Investment Securities | 92.62 Cr | 1.33 Arb | -30.4% |
| Interest Income | 50.84 Cr | 54.05 Cr | -5.9% |
| Net Interest Income | 24.61 Cr | 20.20 Cr | +21.8% |
| Total Operating Income | 27.64 Cr | 23.30 Cr | +18.6% |
| Operating Profit | 10.34 Cr | 9.87 Cr | +4.7% |
| Net Profit | 7.24 Cr | 6.94 Cr | +4.3% |
| Distributable Profit | 5.82 Cr | 6.08 Cr | -4.2% |
| Number of Shares | 61.55 L | 56.97 L | +8.0% |
| EPS Reported | 11.76 | 12.18 | -3.4% |
| Book Value Reported | 122.83 | 122.11 | +0.6% |
| ROE Reported | 9.57% | 9.98% | -0.41 pp |
| CAR | 14.87% | 14.77% | +0.10 pp |
| NPL | 3.22% | 3.33% | -0.11 pp |
| Cost of funds | 4.02K | 5.32K | -24.4% |
| Credit To Deposit Ratio | 84.95% | 76.32% | +8.63 pp |
| Base Rate | 6.80% | 8.02% | -1.22 pp |
| Interest Spread Rate | 4.57% | 4.35% | +0.22 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
GRDBL 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 | -15,672,690 | 87.29 L | 2.13 Cr | 6.94 Cr | -30,156,650 | 1.10 Cr | 3.52 Cr | 7.24 Cr |
| EPS | — | 3.24 | 4.98 | 12.18 | -21.17 | 3.58 | 7.63 | 11.76 |
| Net interest income | 4.76 Cr | 8.60 Cr | 13.56 Cr | 20.20 Cr | 4.61 Cr | 10.44 Cr | 16.70 Cr | 24.61 Cr |
| Revenue | 5.35 Cr | 9.97 Cr | 15.68 Cr | 23.30 Cr | -247,670 | 12.00 Cr | 18.92 Cr | 27.64 Cr |
| Non-performing loans | 4.73% | 4.88% | 4.87% | 3.33% | 13.85% | 4.20% | 4.32% | 3.22% |