Himalayan Laghubitta Bittiya Sanstha Limited · Quarterly report
HLBSL Q4 Financial Report — FY 2082/83
Himalayan Laghubitta Bittiya Sanstha Limited (HLBSL) posted a year-to-date net profit of Rs 10.66 Cr at the end of Q4 FY 2082/83, up 16.2% from Rs 9.18 Cr a year earlier. Annualised EPS is Rs 31.26 against Rs 28.70 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 | 34.11 Cr | 31.98 Cr | +6.6% |
| Reserve and Surplus | 29.17 Cr | 22.80 Cr | +28.0% |
| Total Equity | 63.28 Cr | 54.78 Cr | +15.5% |
| Total Assets | 6.15 Arb | 5.69 Arb | +8.0% |
| Deposits from Customers | 1.27 Arb | 1.10 Arb | +15.2% |
| Borrowings | 4.01 Arb | 3.83 Arb | +4.7% |
| Loans and Advances to BFIs | 0 | 0 | — |
| Loans and Advances to Customers | 4.96 Arb | 4.92 Arb | +0.8% |
| Investments | 12.00 L | 12.00 L | +0.0% |
| Interest Income | 71.14 Cr | 65.55 Cr | +8.5% |
| Net Interest Income | 44.22 Cr | 35.30 Cr | +25.3% |
| Total Operating Income | 49.50 Cr | 40.67 Cr | +21.7% |
| Operating Profit | 15.22 Cr | 13.11 Cr | +16.1% |
| Net Profit | 10.66 Cr | 9.18 Cr | +16.2% |
| Number of Shares | 34.11 L | 31.98 L | +6.6% |
| EPS Reported | 31.26 | 28.70 | +8.9% |
| Book Value Reported | 185.53 | 171.28 | +8.3% |
| ROE Reported | 16.85% | 16.75% | +0.10 pp |
| CAR | 11.18% | 9.49% | +1.69 pp |
| NPL | 9.04% | 5.33% | +3.71 pp |
| Cost of funds | 5.55K | 6.48K | -14.4% |
| CD ratio | 93.98% | 99.83% | -5.85 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
HLBSL 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 | 1.35 Cr | 2.61 Cr | 5.35 Cr | 9.18 Cr | 2.07 Cr | 4.47 Cr | 8.11 Cr | 10.66 Cr |
| EPS | — | 16.30 | 22.30 | 28.70 | 25.90 | 26.24 | 31.68 | 31.26 |
| Net interest income | 7.21 Cr | 15.33 Cr | 24.47 Cr | 35.30 Cr | 9.89 Cr | 19.77 Cr | 31.87 Cr | 44.22 Cr |
| Revenue | 8.82 Cr | 18.58 Cr | 28.97 Cr | 40.67 Cr | 10.90 Cr | 21.99 Cr | 35.41 Cr | 49.50 Cr |
| Non-performing loans | 3.72% | 5.62% | 5.34% | 5.33% | 6.95% | 8.58% | 10.04% | 9.04% |