Kamana Sewa Bikas Bank Limited · Quarterly report
KSBBL Q4 Financial Report — FY 2082/83
Kamana Sewa Bikas Bank Limited (KSBBL) posted a year-to-date net profit of Rs 89.42 Cr at the end of Q4 FY 2082/83, up 40.7% from Rs 63.53 Cr a year earlier. Annualised EPS is Rs 21.23 against Rs 18.10 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 | 4.21 Arb | 3.51 Arb | +20.0% |
| Share Premium | 0 | 0 | — |
| Retained Earnings | 60.11 Cr | 60.74 Cr | -1.0% |
| Reserves | 2.14 Arb | 1.78 Arb | +20.0% |
| Total Equity | 6.95 Arb | 5.90 Arb | +17.8% |
| Total Assets | 75.64 Arb | 71.40 Arb | +5.9% |
| Deposits from Customers | 66.18 Arb | 62.83 Arb | +5.3% |
| Borrowings | 0 | 0 | — |
| Loans and Advances to BFIs | 1.58 Arb | 2.59 Arb | -38.8% |
| Loans and Advances to Customers | 54.21 Arb | 49.97 Arb | +8.5% |
| Investment Securities | 13.74 Arb | 12.29 Arb | +11.8% |
| Interest Income | 5.19 Arb | 5.87 Arb | -11.6% |
| Net Interest Income | 2.41 Arb | 2.24 Arb | +7.4% |
| Total Operating Income | 2.84 Arb | 2.63 Arb | +7.9% |
| Operating Profit | 1.38 Arb | 98.70 Cr | +40.1% |
| Net Profit | 89.42 Cr | 63.53 Cr | +40.7% |
| Distributable Profit | 60.11 Cr | 60.74 Cr | -1.0% |
| Number of Shares | 4.21 Cr | 3.51 Cr | +20.0% |
| EPS Reported | 21.23 | 18.10 | +17.3% |
| Book Value Reported | 165.11 | 168.13 | -1.8% |
| ROE Reported | 12.86% | 10.76% | +2.10 pp |
| CAR | 14.16% | 13.20% | +0.96 pp |
| NPL | 3.77% | 3.38% | +0.39 pp |
| Cost of funds | 3.69K | 5.09K | -27.5% |
| Credit To Deposit Ratio | 86.34% | 85.37% | +0.97 pp |
| Base Rate | 5.53% | 7.07% | -1.54 pp |
| Interest Spread Rate | 3.98% | 4.27% | -0.29 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
KSBBL 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 | 17.50 Cr | 32.25 Cr | 49.32 Cr | 63.53 Cr | 19.76 Cr | 39.46 Cr | 58.87 Cr | 89.42 Cr |
| EPS | — | 18.37 | 18.73 | 18.10 | 20.46 | 20.43 | 18.64 | 21.23 |
| Net interest income | 51.87 Cr | 1.09 Arb | 1.66 Arb | 2.24 Arb | 61.76 Cr | 1.21 Arb | 1.82 Arb | 2.41 Arb |
| Revenue | 63.79 Cr | 1.29 Arb | 1.96 Arb | 2.63 Arb | 75.44 Cr | 1.43 Arb | 2.13 Arb | 2.84 Arb |
| Non-performing loans | 3.96% | 4.35% | 1.40% | 3.38% | 4.41% | 4.10% | 4.40% | 3.77% |