Kumari Bank Limited · Quarterly report
KBL Q4 Financial Report — FY 2082/83
Kumari Bank Limited (KBL) posted a year-to-date net profit of Rs 7.39 Arb at the end of Q4 FY 2082/83, up 249.0% from Rs 2.12 Arb a year earlier. Annualised EPS is Rs 28.17 against Rs 8.07 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 | 26.23 Arb | 26.23 Arb | +0.0% |
| Share Premium | 0 | 0 | — |
| Retained Earnings | 79.17 Cr | -2,794,020,620 | +128.3% |
| Reserves | 17.78 Arb | 13.86 Arb | +28.3% |
| Total Equity | 44.79 Arb | 37.29 Arb | +20.1% |
| Total Assets | 490.33 Arb | 442.50 Arb | +10.8% |
| Deposits from Customers | 402.74 Arb | 364.64 Arb | +10.4% |
| Borrowings | 0 | 0 | — |
| Loans and Advances to BFIs | 13.96 Arb | 14.14 Arb | -1.3% |
| Loans and Advances to Customers | 270.92 Arb | 260.95 Arb | +3.8% |
| Investment Securities | 114.42 Arb | 80.21 Arb | +42.6% |
| Interest Income | 28.46 Arb | 32.29 Arb | -11.9% |
| Net Interest Income | 12.01 Arb | 11.55 Arb | +4.0% |
| Total Operating Income | 16.36 Arb | 15.13 Arb | +8.1% |
| Operating Profit | 11.24 Arb | 6.13 Arb | +83.1% |
| Net Profit | 7.39 Arb | 2.12 Arb | +249.0% |
| Distributable Profit | 79.17 Cr | -2,794,020,616,000 | +100.0% |
| Number of Shares | 26.23 Cr | 26.23 Cr | +0.0% |
| EPS Reported | 28.17 | 8.07 | +249.1% |
| Book Value Reported | 170.80 | 142.19 | +20.1% |
| ROE Reported | 16.49% | 5.68% | +10.81 pp |
| CAR | 12.31% | 12.98% | -0.67 pp |
| NPL | 6.95% | 6.42% | +0.53 pp |
| Cost of funds | 4.74K | 4.74K | +0.0% |
| Credit To Deposit Ratio | 75.73% | 75.73% | +0.00 pp |
| Base Rate | 6.44% | 6.44% | +0.00 pp |
| Interest Spread Rate | 3.59% | 3.59% | +0.00 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
KBL 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 | 1.08 Arb | 27.57 Cr | 28.58 Cr | 2.12 Arb | 1.06 Arb | 2.72 Arb | 4.18 Arb | 7.39 Arb |
| EPS | — | 2.10 | 1.45 | 8.07 | 16.11 | 20.74 | 21.24 | 28.17 |
| Net interest income | 2.01 Arb | 5.21 Arb | 7.90 Arb | 11.55 Arb | 2.91 Arb | 6.78 Arb | 9.30 Arb | 12.01 Arb |
| Revenue | 3.73 Arb | 7.08 Arb | 10.50 Arb | 15.13 Arb | 4.22 Arb | 9.21 Arb | 12.81 Arb | 16.36 Arb |
| Non-performing loans | 4.96% | 6.96% | 6.98% | 6.42% | 6.98% | 6.92% | 6.94% | 6.95% |