Janautthan Samudayic Laghubitta Bittya Sanstha Limited · Quarterly report
JSLBB Q4 Financial Report — FY 2082/83
Janautthan Samudayic Laghubitta Bittya Sanstha Limited (JSLBB) posted a year-to-date net profit of Rs 1.82 Cr at the end of Q4 FY 2082/83, up 24.3% from Rs 1.47 Cr a year earlier. Annualised EPS is Rs 10.70 against Rs 8.61 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 | 17.01 Cr | 17.01 Cr | +0.0% |
| Reserve and Surplus | 12.77 Cr | 9.89 Cr | +29.1% |
| Total Equity | 29.78 Cr | 26.90 Cr | +10.7% |
| Total Assets | 2.40 Arb | 2.40 Arb | +0.3% |
| Deposits from Customers | 1.04 Arb | 95.48 Cr | +8.5% |
| Borrowings | 96.88 Cr | 1.10 Arb | -11.7% |
| Loans and Advances to BFIs | 0 | 0 | — |
| Loans and Advances to Customers | 2.10 Arb | 2.08 Arb | +0.6% |
| Investments | 0 | 4.45 Cr | -100.0% |
| Interest Income | 28.11 Cr | 30.83 Cr | -8.8% |
| Net Interest Income | 15.14 Cr | 14.80 Cr | +2.3% |
| Total Operating Income | 17.45 Cr | 17.20 Cr | +1.5% |
| Operating Profit | 4.25 Cr | 1.07 Cr | +298.5% |
| Net Profit | 1.82 Cr | 1.47 Cr | +24.3% |
| Number of Shares | 17.01 L | 17.01 L | +0.0% |
| EPS Reported | 10.70 | 8.61 | +24.3% |
| Book Value Reported | 175.10 | 158.17 | +10.7% |
| ROE Reported | 6.11% | 5.45% | +0.66 pp |
| CAR | 8.32% | 10.55% | -2.23 pp |
| NPL | 17.14% | 6.16% | +10.98 pp |
| Cost of funds | 6.70K | 7.20K | -6.9% |
| CD ratio | 110.76% | 107.68% | +3.08 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
JSLBB 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 | -3,044,270 | -7,923,220 | -8,594,170 | 1.47 Cr | 8.97 L | 1.00 Cr | 1.03 Cr | 1.82 Cr |
| EPS | -7.16 | -9.32 | -6.74 | 8.61 | 2.11 | 11.80 | 8.09 | 10.70 |
| Net interest income | 2.28 Cr | 4.88 Cr | 8.12 Cr | 14.80 Cr | 3.01 Cr | 6.48 Cr | 9.71 Cr | 15.14 Cr |
| Revenue | 2.92 Cr | 6.01 Cr | 9.78 Cr | 17.20 Cr | 3.42 Cr | 7.45 Cr | 11.30 Cr | 17.45 Cr |
| Non-performing loans | 8.63% | 5.84% | 6.52% | 6.16% | 7.81% | 9.15% | 21.45% | 17.14% |