Janaki Finance Company Limited · Quarterly report
JFL Q4 Financial Report — FY 2082/83
Janaki Finance Company Limited (JFL) posted a year-to-date net profit of Rs 93.44 L at the end of Q4 FY 2082/83, swinging from a net loss of Rs 20.73 Cr a year earlier. Annualised EPS is Rs 1.35 against Rs -30.02 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 | 69.05 Cr | 69.05 Cr | +0.0% |
| Share Premium | 0 | 0 | — |
| Retained Earnings | -1,127,537,840 | -1,100,613,700 | -2.4% |
| Reserves | 43.09 Cr | 43.09 Cr | +0.0% |
| Total Equity | -6,153,610 | 2.08 Cr | -129.6% |
| Total Assets | 4.44 Arb | 5.04 Arb | -11.9% |
| Deposits from Customers | 2.27 Arb | 3.06 Arb | -26.0% |
| Borrowings | 0 | 0 | — |
| Loans and Advances to BFIs | 4.95 Cr | 6.91 Cr | -28.3% |
| Loans and Advances to Customers | 2.11 Arb | 2.65 Arb | -20.3% |
| Investment Securities | 3.95 Cr | 3.95 Cr | +0.0% |
| Interest Income | 35.56 Cr | 47.99 Cr | -25.9% |
| Net Interest Income | 17.15 Cr | 16.67 Cr | +2.9% |
| Total Operating Income | 18.12 Cr | 17.45 Cr | +3.8% |
| Operating Profit | 1.33 Cr | -207,284,110 | +106.4% |
| Net Profit | 93.44 L | -207,284,110 | +104.5% |
| Distributable Profit | -1,127,537,840 | -1,100,613,700 | -2.4% |
| Number of Shares | 69.05 L | 69.05 L | +0.0% |
| EPS Reported | 1.35 | -30.02 | +104.5% |
| Book Value Reported | -0.89 | 3.01 | -129.6% |
| ROE Reported | -151.85% | -997.97% | +846.12 pp |
| CAR | -6.14% | -1.91% | -4.23 pp |
| NPL | 61.55% | 48.61% | +12.94 pp |
| Cost of funds | 6.89K | 7.61K | -9.5% |
| Credit To Deposit Ratio | 93.39% | 85.74% | +7.65 pp |
| Base Rate | 9.80% | 10.02% | -0.22 pp |
| Interest Spread Rate | 4.60% | 4.59% | +0.01 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
JFL 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 | 6.91 Cr | -248,247,860 | -128,325,840 | -207,284,110 | 18.46 L | -22,383,530 | -29,089,560 | 93.44 L |
| EPS | — | -71.91 | -24.78 | -30.02 | 1.07 | -6.48 | -5.62 | 1.35 |
| Net interest income | 4.93 Cr | 1.20 Cr | 15.51 Cr | 16.67 Cr | 1.74 Cr | 5.68 Cr | 7.01 Cr | 17.15 Cr |
| Revenue | 5.14 Cr | 1.72 Cr | 16.12 Cr | 17.45 Cr | 2.35 Cr | 6.42 Cr | 7.84 Cr | 18.12 Cr |
| Non-performing loans | 34.64% | 40.88% | 44.41% | 48.61% | 53.80% | 55.26% | 59.12% | 61.55% |