Himalayan Bank Limited · Quarterly report
HBL Q4 Financial Report — FY 2082/83
Himalayan Bank Limited (HBL) posted a year-to-date net profit of Rs 1.48 Arb at the end of Q4 FY 2082/83, down 2.1% from Rs 1.51 Arb a year earlier. Annualised EPS is Rs 6.56 against Rs 6.98 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 | 22.58 Arb | 21.66 Arb | +4.3% |
| Share Premium | 52.73 Cr | 0 | — |
| Retained Earnings | -9,840,149,790 | -7,101,527,360 | -38.6% |
| Reserves | 26.81 Arb | 23.36 Arb | +14.8% |
| Total Equity | 40.08 Arb | 37.92 Arb | +5.7% |
| Total Assets | 418.00 Arb | 372.95 Arb | +12.1% |
| Deposits from Customers | 351.58 Arb | 309.16 Arb | +13.7% |
| Borrowings | 0 | 0 | — |
| Loans and Advances to BFIs | 11.65 Arb | 10.41 Arb | +12.0% |
| Loans and Advances to Customers | 227.78 Arb | 232.86 Arb | -2.2% |
| Investment Securities | 54.41 Arb | 40.51 Arb | +34.3% |
| Interest Income | 22.76 Arb | 27.70 Arb | -17.8% |
| Net Interest Income | 8.81 Arb | 10.46 Arb | -15.7% |
| Total Operating Income | 11.16 Arb | 12.52 Arb | -10.9% |
| Operating Profit | 2.63 Arb | 5.44 Arb | -51.7% |
| Net Profit | 1.48 Arb | 1.51 Arb | -2.1% |
| Distributable Profit | -9,840,149,790 | -7,101,527,360 | -38.6% |
| Number of Shares | 22.58 Cr | 21.66 Cr | +4.3% |
| EPS Reported | 6.56 | 6.98 | -6.0% |
| Book Value Reported | 177.48 | 175.07 | +1.4% |
| ROE Reported | 3.69% | 4.06% | -0.37 pp |
| CAR | 11.69% | 11.64% | +0.05 pp |
| NPL | 7.96% | 7.28% | +0.68 pp |
| Cost of funds | 3.63K | 4.84K | -25.0% |
| Credit To Deposit Ratio | 72.74% | 81.35% | -8.61 pp |
| Base Rate | 5.31% | 6.63% | -1.32 pp |
| Interest Spread Rate | 2.83% | 3.29% | -0.46 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
HBL 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 | 72.64 Cr | 1.52 Arb | 50.00 Cr | 1.51 Arb | 70.29 Cr | 1.29 Arb | 76.25 Cr | 1.48 Arb |
| EPS | — | 14.03 | 3.08 | 6.98 | 12.45 | 11.45 | 4.50 | 6.56 |
| Net interest income | 2.45 Arb | 5.24 Arb | 7.75 Arb | 10.46 Arb | 2.51 Arb | 4.70 Arb | 6.83 Arb | 8.81 Arb |
| Revenue | 2.84 Arb | 6.08 Arb | 9.11 Arb | 12.52 Arb | 3.05 Arb | 5.71 Arb | 8.33 Arb | 11.16 Arb |
| Non-performing loans | 4.98% | 4.98% | 7.68% | 7.28% | 7.39% | 4.65% | 7.98% | 7.96% |