Jyoti Bikas Bank Limited · Quarterly report
JBBL Q4 Financial Report — FY 2082/83
Jyoti Bikas Bank Limited (JBBL) posted a year-to-date net profit of Rs 1.01 Arb at the end of Q4 FY 2082/83, up 8026.4% from Rs 1.24 Cr a year earlier. Annualised EPS is Rs 22.88 against Rs 0.28 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 | 4.40 Arb | 4.40 Arb | +0.0% |
| Share Premium | 0 | 0 | — |
| Retained Earnings | 14.44 Cr | -780,455,460 | +118.5% |
| Reserves | 2.98 Arb | 2.93 Arb | +1.6% |
| Total Equity | 7.52 Arb | 6.54 Arb | +14.9% |
| Total Assets | 77.91 Arb | 71.28 Arb | +9.3% |
| Deposits from Customers | 67.23 Arb | 60.48 Arb | +11.2% |
| Borrowings | 0 | 0 | — |
| Loans and Advances to BFIs | 2.30 Arb | 3.20 Arb | -28.1% |
| Loans and Advances to Customers | 49.58 Arb | 45.07 Arb | +10.0% |
| Investment Securities | 12.18 Arb | 12.67 Arb | -3.8% |
| Interest Income | 5.14 Arb | 5.73 Arb | -10.4% |
| Net Interest Income | 2.34 Arb | 2.09 Arb | +11.8% |
| Total Operating Income | 2.81 Arb | 2.47 Arb | +13.9% |
| Operating Profit | 1.79 Arb | 1.76 Cr | +10075.4% |
| Net Profit | 1.01 Arb | 1.24 Cr | +8026.4% |
| Distributable Profit | 14.44 Cr | -780,455,460 | +118.5% |
| Number of Shares | 4.40 Cr | 4.40 Cr | +0.0% |
| EPS Reported | 22.88 | 0.28 | +8071.4% |
| Book Value Reported | 170.97 | 148.84 | +14.9% |
| ROE Reported | 13.38% | 0.19% | +13.19 pp |
| CAR | 14.05% | 13.61% | +0.44 pp |
| NPL | 6.55% | 7.98% | -1.43 pp |
| Cost of funds | 3.76K | 4.99K | -24.6% |
| Credit To Deposit Ratio | 81.07% | 83.23% | -2.16 pp |
| Base Rate | 5.89% | 7.12% | -1.23 pp |
| Interest Spread Rate | 4.15% | 3.96% | +0.19 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
JBBL 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 | 15.12 Cr | 25.01 Cr | 30.66 Cr | 1.24 Cr | 7.03 Cr | 31.13 Cr | 62.95 Cr | 1.01 Arb |
| EPS | — | 11.38 | 9.30 | 0.28 | 6.40 | 14.16 | 19.09 | 22.88 |
| Net interest income | 57.49 Cr | 1.12 Arb | 1.58 Arb | 2.09 Arb | 52.60 Cr | 1.03 Arb | 1.60 Arb | 2.34 Arb |
| Revenue | 68.66 Cr | 1.31 Arb | 1.85 Arb | 2.47 Arb | 67.99 Cr | 1.28 Arb | 1.97 Arb | 2.81 Arb |
| Non-performing loans | 4.98% | 4.98% | 1.37% | 7.98% | 7.97% | 7.82% | 7.83% | 6.55% |