Jeevan Bikas Laghubitta Bittiya Sanstha Ltd · Quarterly report
JBLB Q4 Financial Report — FY 2082/83
Jeevan Bikas Laghubitta Bittiya Sanstha Ltd (JBLB) posted a year-to-date net profit of Rs 1.08 Arb at the end of Q4 FY 2082/83, up 46.2% from Rs 74.04 Cr a year earlier. Annualised EPS is Rs 61.80 against Rs 48.20 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 | 1.75 Arb | 1.54 Arb | +14.0% |
| Reserve and Surplus | 3.15 Arb | 2.42 Arb | +30.1% |
| Total Equity | 4.90 Arb | 3.96 Arb | +23.9% |
| Total Assets | 34.30 Arb | 30.34 Arb | +13.0% |
| Deposits from Customers | 14.68 Arb | 12.31 Arb | +19.3% |
| Borrowings | 46.38 Cr | 0 | — |
| Loans and Advances to BFIs | 0 | 0 | — |
| Loans and Advances to Customers | 30.93 Arb | 27.31 Arb | +13.2% |
| Investments | 0 | 0 | — |
| Interest Income | 4.23 Arb | 4.05 Arb | +4.3% |
| Net Interest Income | 2.35 Arb | 2.12 Arb | +11.0% |
| Total Operating Income | 2.69 Arb | 2.43 Arb | +10.8% |
| Operating Profit | 1.58 Cr | 1.00 Arb | -98.4% |
| Net Profit | 1.08 Arb | 74.04 Cr | +46.2% |
| Number of Shares | 1.75 Cr | 1.54 Cr | +14.0% |
| EPS Reported | 61.80 | 48.20 | +28.2% |
| Book Value Reported | 279.95 | 257.63 | +8.7% |
| ROE Reported | 22.07% | 18.71% | +3.36 pp |
| CAR | 13.56% | 14.44% | -0.88 pp |
| NPL | 5.33% | 4.87% | +0.46 pp |
| Cost of funds | 6.71K | 8.18K | -18.0% |
| CD ratio | 125.10% | 124.23% | +0.87 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
JBLB 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 | 9.94 Cr | 20.54 Cr | 35.57 Cr | 74.04 Cr | 14.59 Cr | 38.90 Cr | 62.69 Cr | 1.08 Arb |
| EPS | 29.50 | 30.49 | 30.87 | 48.20 | 37.98 | 50.65 | 47.73 | 61.80 |
| Net interest income | 44.39 Cr | 99.80 Cr | 1.47 Arb | 2.12 Arb | 55.73 Cr | 1.04 Arb | 1.69 Arb | 2.35 Arb |
| Revenue | 52.69 Cr | 1.12 Arb | 1.75 Arb | 2.43 Arb | 63.06 Cr | 1.19 Arb | 1.94 Arb | 2.69 Arb |
| Non-performing loans | 4.91% | 4.56% | 4.97% | 4.87% | 4.62% | 5.98% | 4.80% | 5.33% |