Infinity Laghubitta Bittiya Sastha Ltd · Quarterly report
ILBS Q4 Financial Report — FY 2082/83
Infinity Laghubitta Bittiya Sastha Ltd (ILBS) posted a year-to-date net profit of Rs 18.24 Cr at the end of Q4 FY 2082/83, up 94.5% from Rs 9.38 Cr a year earlier. Annualised EPS is Rs 36.66 against Rs 18.85 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 | 49.74 Cr | 49.74 Cr | +0.0% |
| Reserve and Surplus | 30.71 Cr | 28.18 Cr | +9.0% |
| Total Equity | 80.45 Cr | 77.92 Cr | +3.2% |
| Total Assets | 6.08 Arb | 6.50 Arb | -6.5% |
| Deposits from Customers | 1.50 Arb | 1.39 Arb | +7.7% |
| Borrowings | 3.46 Arb | 3.97 Arb | -13.0% |
| Loans and Advances to BFIs | 0 | 0 | — |
| Loans and Advances to Customers | 5.83 Arb | 5.84 Arb | -0.2% |
| Investments | 10.00 L | 10.00 L | +0.0% |
| Interest Income | 80.60 Cr | 79.82 Cr | +1.0% |
| Net Interest Income | 47.92 Cr | 40.50 Cr | +18.3% |
| Total Operating Income | 54.69 Cr | 47.78 Cr | +14.5% |
| Operating Profit | 28.58 Cr | 13.50 Cr | +111.8% |
| Net Profit | 18.24 Cr | 9.38 Cr | +94.5% |
| Number of Shares | 49.74 L | 49.74 L | +0.0% |
| EPS Reported | 36.66 | 18.85 | +94.5% |
| Book Value Reported | 161.73 | 156.65 | +3.2% |
| ROE Reported | 22.67% | 12.03% | +10.64 pp |
| CAR | 11.44% | 11.28% | +0.16 pp |
| NPL | 12.92% | 7.43% | +5.49 pp |
| Cost of funds | 5.96K | 7.41K | -19.6% |
| CD ratio | 120.99% | 109.78% | +11.21 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
ILBS 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 | -71,088,560 | -94,622,380 | 6.61 L | 9.38 Cr | 3.15 Cr | 5.99 Cr | 7.58 Cr | 18.24 Cr |
| EPS | -57.17 | -38.05 | 0.18 | 18.85 | 25.31 | 24.07 | 20.31 | 36.66 |
| Net interest income | 5.99 Cr | 12.90 Cr | 25.56 Cr | 40.50 Cr | 10.52 Cr | 21.21 Cr | 28.97 Cr | 47.92 Cr |
| Revenue | 7.34 Cr | 15.78 Cr | 30.39 Cr | 47.78 Cr | 12.31 Cr | 24.35 Cr | 33.28 Cr | 54.69 Cr |
| Non-performing loans | 11.35% | 9.85% | 14.35% | 7.43% | 10.81% | 17.85% | 23.93% | 12.92% |