Kalika Laghubitta Bittiya Sanstha Ltd · Quarterly report
KMCDB Q4 Financial Report — FY 2082/83
Kalika Laghubitta Bittiya Sanstha Ltd (KMCDB) posted a year-to-date net profit of Rs 12.29 Cr at the end of Q4 FY 2082/83, up 13.7% from Rs 10.81 Cr a year earlier. Annualised EPS is Rs 27.40 against Rs 26.51 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 | 44.85 Cr | 40.77 Cr | +10.0% |
| Reserve and Surplus | 35.31 Cr | 35.24 Cr | +0.2% |
| Total Equity | 80.15 Cr | 76.01 Cr | +5.5% |
| Total Assets | 5.79 Arb | 5.30 Arb | +9.2% |
| Deposits from Customers | 2.04 Arb | 1.65 Arb | +23.7% |
| Borrowings | 2.79 Arb | 2.79 Arb | +0.1% |
| Loans and Advances to BFIs | 0 | 0 | — |
| Loans and Advances to Customers | 5.34 Arb | 4.85 Arb | +10.2% |
| Investments | 20.00 L | 20.00 L | +0.0% |
| Interest Income | 74.35 Cr | 66.69 Cr | +11.5% |
| Net Interest Income | 47.09 Cr | 38.10 Cr | +23.6% |
| Total Operating Income | 54.25 Cr | 43.79 Cr | +23.9% |
| Operating Profit | 18.18 Cr | 15.42 Cr | +17.9% |
| Net Profit | 12.29 Cr | 10.81 Cr | +13.7% |
| Number of Shares | 44.85 L | 40.77 L | +10.0% |
| EPS Reported | 27.40 | 26.51 | +3.4% |
| Book Value Reported | 178.73 | 186.44 | -4.1% |
| ROE Reported | 15.33% | 14.22% | +1.11 pp |
| CAR | 11.67% | 11.08% | +0.59 pp |
| NPL | 9.78% | 4.67% | +5.11 pp |
| Cost of funds | 6.01K | 6.49K | -7.4% |
| CD ratio | 114.65% | 110.70% | +3.95 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
KMCDB 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 | 1.70 Cr | 4.22 Cr | 6.80 Cr | 10.81 Cr | 2.03 Cr | 5.85 Cr | 1.47 Cr | 12.29 Cr |
| EPS | 18.27 | 20.68 | 22.24 | 26.51 | 19.96 | 26.09 | 4.37 | 27.40 |
| Net interest income | 8.29 Cr | 17.08 Cr | 26.81 Cr | 38.10 Cr | 10.88 Cr | 21.77 Cr | 33.23 Cr | 47.09 Cr |
| Revenue | 9.72 Cr | 19.86 Cr | 30.96 Cr | 43.79 Cr | 12.20 Cr | 24.50 Cr | 38.06 Cr | 54.25 Cr |
| Non-performing loans | 4.24% | 4.67% | 5.27% | 4.67% | 6.40% | 11.42% | 14.14% | 9.78% |