ICFC Finance Limited · Quarterly report
ICFC Q4 Financial Report — FY 2082/83
ICFC Finance Limited (ICFC) posted a year-to-date net profit of Rs 26.42 Cr at the end of Q4 FY 2082/83, down 23.4% from Rs 34.49 Cr a year earlier. Annualised EPS is Rs 22.33 against Rs 29.15 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 | 1.18 Arb | 1.18 Arb | +0.0% |
| Share Premium | 0 | 0 | — |
| Retained Earnings | 14.17 Cr | 24.01 Cr | -41.0% |
| Reserves | 91.54 Cr | 76.26 Cr | +20.0% |
| Total Equity | 2.24 Arb | 2.19 Arb | +2.5% |
| Total Assets | 26.19 Arb | 23.66 Arb | +10.7% |
| Deposits from Customers | 22.23 Arb | 19.99 Arb | +11.2% |
| Borrowings | 0 | 0 | — |
| Loans and Advances to BFIs | 55.56 Cr | 63.05 Cr | -11.9% |
| Loans and Advances to Customers | 18.70 Arb | 16.88 Arb | +10.8% |
| Investment Securities | 2.91 Arb | 3.09 Arb | -5.7% |
| Interest Income | 1.80 Arb | 1.94 Arb | -7.0% |
| Net Interest Income | 64.54 Cr | 61.69 Cr | +4.6% |
| Total Operating Income | 80.69 Cr | 82.86 Cr | -2.6% |
| Operating Profit | 37.51 Cr | 50.22 Cr | -25.3% |
| Net Profit | 26.42 Cr | 34.49 Cr | -23.4% |
| Distributable Profit | 14.17 Cr | 24.01 Cr | -41.0% |
| Number of Shares | 1.18 Cr | 1.18 Cr | +0.0% |
| EPS Reported | 22.33 | 29.15 | -23.4% |
| Book Value Reported | 189.32 | 184.72 | +2.5% |
| ROE Reported | 11.79% | 15.78% | -3.99 pp |
| CAR | 14.38% | 14.10% | +0.28 pp |
| NPL | 1.55% | 1.83% | -0.28 pp |
| Cost of funds | 4.22K | 6.01K | -29.8% |
| Credit To Deposit Ratio | 85.59% | 85.17% | +0.42 pp |
| Base Rate | 5.88% | 7.96% | -2.08 pp |
| Interest Spread Rate | 4.09% | 4.43% | -0.34 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
ICFC 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 | 6.88 Cr | 10.91 Cr | 19.51 Cr | 34.49 Cr | 2.25 Cr | 3.20 Cr | 10.31 Cr | 26.42 Cr |
| EPS | — | 18.44 | 21.98 | 29.15 | 7.59 | 5.41 | 11.62 | 22.33 |
| Net interest income | 14.33 Cr | 25.26 Cr | 42.13 Cr | 61.69 Cr | 15.94 Cr | 30.14 Cr | 45.32 Cr | 64.54 Cr |
| Revenue | 24.93 Cr | 38.60 Cr | 57.61 Cr | 82.86 Cr | 19.52 Cr | 37.47 Cr | 56.72 Cr | 80.69 Cr |
| Non-performing loans | 3.66% | 3.07% | 2.05% | 1.83% | 2.77% | 3.51% | 2.68% | 1.55% |