Jalpa Samudayik Laghubitta Sanstha Limited · Quarterly report
JALPA Q3 Financial Report — FY 2080/81
Jalpa Samudayik Laghubitta Sanstha Limited (JALPA) posted a year-to-date net profit of Rs 62.82 L at the end of Q3 FY 2080/81, swinging from a net loss of Rs 3.92 Cr a year earlier.
Q3 FY 2080/81 vs Q3 FY 2079/80
| Metric | Q3 2080/81 | Q3 2079/80 | Change |
|---|---|---|---|
| Paid Up Capital | 18.28 Cr | 16.00 Cr | +14.2% |
| Reserve and Surplus | 32.95 Cr | 32.24 Cr | +2.2% |
| Total Equity | 51.23 Cr | 48.24 Cr | +6.2% |
| Total Assets | 5.41 Arb | 5.30 Arb | +2.1% |
| Deposits from Customers | 2.69 Arb | 2.69 Arb | +0.1% |
| Loans and Advances to Customers | 4.82 Arb | 4.58 Arb | +5.4% |
| Interest Income | 51.37 Cr | 55.82 Cr | -8.0% |
| Net Interest Income | 20.83 Cr | 23.86 Cr | -12.7% |
| Total Operating Income | 27.85 Cr | 30.56 Cr | -8.9% |
| Operating Profit | 89.74 L | -71,091,360 | +112.6% |
| Net Profit | 62.82 L | -39,234,490 | +116.0% |
| Number of Shares | 18.28 L | 16.00 L | +14.2% |
| EPS(Rs.) | 4.58 | -32.70 | +114.0% |
| Book Value(Rs.) | 280.24 | 301.50 | -7.1% |
| ROE | 1.63% | -11.00% | +12.63 pp |
| CAR | 9.31% | 11.00% | -1.69 pp |
| NPL | 7.39% | 7.42% | -0.03 pp |
| Cost of funds | 9.42K | 9.81K | -4.0% |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
JALPA last 8 quarters
| Metric | Q4 2078/79 | Q1 2079/80 | Q2 2079/80 | Q3 2079/80 | Q4 2079/80 | Q1 2080/81 | Q2 2080/81 | Q3 2080/81 |
|---|---|---|---|---|---|---|---|---|
| Net profit | 9.87 Cr | -1,030,660 | 1.28 Cr | -39,234,490 | -112,452,760 | -16,461,660 | 22.58 L | 62.82 L |
| Net interest income | 35.40 Cr | 9.45 Cr | 18.25 Cr | 23.86 Cr | 31.18 Cr | 5.86 Cr | 13.30 Cr | 20.83 Cr |
| Revenue | 45.47 Cr | 11.89 Cr | 23.10 Cr | 30.56 Cr | 38.18 Cr | 8.56 Cr | 18.13 Cr | 27.85 Cr |
| Non-performing loans | 2.32% | 3.61% | 4.72% | 7.42% | 8.39% | 7.54% | 7.10% | 7.39% |
| Return on equity | 15.59% | -0.76% | 4.63% | -11.00% | -28.32% | -12.45% | 0.88% | 1.63% |