Karnali Development Bank Limited · Quarterly report
KRBL Q1 Financial Report — FY 2081/82
Karnali Development Bank Limited (KRBL) posted a year-to-date net loss of Rs 1.98 Cr at the end of Q1 FY 2081/82, against a net profit of Rs 4.09 Cr a year earlier.
Q1 FY 2081/82 vs Q1 FY 2080/81
| Metric | Q1 2081/82 | Q1 2080/81 | Change |
|---|---|---|---|
| Paid Up Capital | 50.28 Cr | 50.28 Cr | +0.0% |
| Retained Earnings | -203,429,370 | 3.32 Cr | -712.1% |
| Reserves | 19.08 Cr | 4.48 Cr | +326.4% |
| Total Equity | 49.02 Cr | 58.13 Cr | -15.7% |
| Total Assets | 5.75 Arb | 5.17 Arb | +11.1% |
| Deposits from Customers | 5.21 Arb | 4.52 Arb | +15.2% |
| Loans and Advances to Customers | 3.82 Arb | 3.42 Arb | +11.6% |
| Interest Income | 8.85 Cr | 14.64 Cr | -39.5% |
| Net Interest Income | 9.91 L | 3.94 Cr | -97.5% |
| Total Operating Income | 95.75 L | 4.19 Cr | -77.1% |
| Operating Profit | -19,829,010 | 4.09 Cr | -148.5% |
| Net Profit | -19,829,010 | 4.09 Cr | -148.5% |
| Distributable Profit | -203,429,370 | 3.32 Cr | -712.1% |
| Number of Shares | 50.28 L | 50.28 L | +0.0% |
| EPS(Rs.) | -15.77 | 32.50 | -148.5% |
| Book Value(Rs.) | 97.50 | 115.60 | -15.7% |
| ROE | -16.18% | 28.12% | -44.30 pp |
| CAR | 10.05% | 10.10% | -0.05 pp |
| NPL | 7.27% | 4.74% | +2.53 pp |
| Cost of funds | 6.56K | 8.97K | -26.9% |
| Credit To Deposit Ratio | 59.81% | 75.58% | -15.77 pp |
| Base Rate | 9.53% | 12.29% | -2.76 pp |
| Interest Spread Rate | 4.58% | 4.72% | -0.14 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
KRBL last 8 quarters
| Metric | Q2 2079/80 | Q3 2079/80 | Q4 2079/80 | Q1 2080/81 | Q2 2080/81 | Q3 2080/81 | Q4 2080/81 | Q1 2081/82 |
|---|---|---|---|---|---|---|---|---|
| Net profit | 1.64 Cr | 1.73 Cr | 4.43 Cr | 4.09 Cr | 4.78 Cr | 2.88 Cr | 1.15 Cr | -19,829,010 |
| Net interest income | 7.75 Cr | 10.19 Cr | 16.48 Cr | 3.94 Cr | 6.12 Cr | 8.31 Cr | 10.45 Cr | 9.91 L |
| Revenue | 8.34 Cr | 11.39 Cr | 18.15 Cr | 4.19 Cr | 6.58 Cr | 8.93 Cr | 11.52 Cr | 95.75 L |
| Non-performing loans | 3.17% | 3.26% | 3.92% | 4.74% | 4.47% | 4.96% | 3.92% | 7.27% |
| Return on equity | 5.52% | 3.89% | 7.32% | 28.12% | 17.27% | 7.22% | 2.88% | -16.18% |