Khaptad Laghubitta Bittiya Sanstha Ltd · Quarterly report
KLBS Q3 Financial Report — FY 2079/80
Khaptad Laghubitta Bittiya Sanstha Ltd (KLBS) posted a year-to-date net loss of Rs 89.37 L at the end of Q3 FY 2079/80, against a net profit of Rs 25.94 L a year earlier.
Q3 FY 2079/80 vs Q3 FY 2078/79
| Metric | Q3 2079/80 | Q3 2078/79 | Change |
|---|---|---|---|
| Paid Up Capital | 4.00 Cr | 2.68 Cr | +49.3% |
| Reserve and Surplus | -7,518,410 | 28.19 L | -366.7% |
| Total Equity | 3.25 Cr | 2.96 Cr | +9.7% |
| Total Assets | 39.61 Cr | 27.18 Cr | +45.7% |
| Deposits from Customers | 2.02 Cr | 89.83 L | +125.4% |
| Borrowings | 33.08 Cr | 22.43 Cr | +47.5% |
| Loans and Advances to Customers | 37.06 Cr | 24.50 Cr | +51.3% |
| Investments | 0 | 0 | — |
| Interest Income | 3.30 Cr | 2.35 Cr | +40.3% |
| Net Interest Income | 39.23 L | 61.33 L | -36.0% |
| Total Operating Income | 92.41 L | 1.01 Cr | -8.7% |
| Operating Profit | -9,405,520 | 29.62 L | -417.5% |
| Net Profit | -8,936,840 | 25.94 L | -444.5% |
| Number of Shares | 4.00 L | 2.68 L | +49.3% |
| EPS(Rs.) | -29.79 | 12.91 | -330.8% |
| Book Value(Rs.) | 81.20 | 110.52 | -26.5% |
| ROE | -37.00% | 12.00% | -49.00 pp |
| CAR | 8.00% | 12.00% | -4.00 pp |
| NPL | 6.00% | 2.00% | +4.00 pp |
| Cost of funds | 16.00K | 11.00K | +45.5% |
| CD ratio | 1,831.00% | 93.00% | +1738.00 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
KLBS last 5 quarters
| Metric | Q3 2078/79 | Q4 2078/79 | Q1 2079/80 | Q2 2079/80 | Q3 2079/80 |
|---|---|---|---|---|---|
| Net profit | 25.94 L | 29.99 L | -413,280 | 4.73 L | -8,936,840 |
| Net interest income | 61.33 L | 9.95 L | 28.40 L | 76.44 L | 39.23 L |
| Revenue | 1.01 Cr | 1.55 Cr | 46.74 L | 1.16 Cr | 92.41 L |
| Non-performing loans | 2.00% | 1.47% | 2.32% | 3.97% | 6.00% |
| Return on equity | 12.00% | 9.97% | -3.71% | 2.26% | -37.00% |