Lumbini Bikas Bank Ltd. · Quarterly report
LBBL Q4 Financial Report — FY 2082/83
Lumbini Bikas Bank Ltd. (LBBL) posted a year-to-date net profit of Rs 85.10 Cr at the end of Q4 FY 2082/83, up 124.0% from Rs 37.99 Cr a year earlier. Annualised EPS is Rs 23.48 against Rs 10.48 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 | 3.62 Arb | 3.62 Arb | +0.0% |
| Share Premium | 0 | 0 | — |
| Retained Earnings | 61.56 Cr | 29.71 Cr | +107.2% |
| Reserves | 3.51 Arb | 3.06 Arb | +14.4% |
| Total Equity | 7.74 Arb | 6.98 Arb | +10.9% |
| Total Assets | 67.94 Arb | 67.98 Arb | -0.1% |
| Deposits from Customers | 57.44 Arb | 57.59 Arb | -0.3% |
| Borrowings | 0 | 0 | — |
| Loans and Advances to BFIs | 98.30 Cr | 43.57 Cr | +125.6% |
| Loans and Advances to Customers | 47.06 Arb | 47.13 Arb | -0.2% |
| Investment Securities | 13.10 Arb | 12.34 Arb | +6.2% |
| Interest Income | 4.60 Arb | 5.59 Arb | -17.7% |
| Net Interest Income | 2.00 Arb | 1.86 Arb | +7.5% |
| Total Operating Income | 2.28 Arb | 2.15 Arb | +5.9% |
| Operating Profit | 1.22 Arb | 67.19 Cr | +81.2% |
| Net Profit | 85.10 Cr | 37.99 Cr | +124.0% |
| Distributable Profit | 61.56 Cr | 29.44 Cr | +109.1% |
| Number of Shares | 3.62 Cr | 3.62 Cr | +0.0% |
| EPS Reported | 23.48 | 10.48 | +124.0% |
| Book Value Reported | 213.73 | 192.73 | +10.9% |
| ROE Reported | 10.99% | 5.44% | +5.55 pp |
| CAR | 14.96% | 13.50% | +1.46 pp |
| NPL | 6.94% | 4.55% | +2.39 pp |
| Cost of funds | 3.95K | 5.35K | -26.2% |
| Credit To Deposit Ratio | 86.63% | 84.42% | +2.21 pp |
| Base Rate | 5.48% | 6.82% | -1.34 pp |
| Interest Spread Rate | 3.76% | 4.30% | -0.54 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
LBBL 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 | 20.20 Cr | 14.76 Cr | 4.98 Cr | 37.99 Cr | -348,577,710 | 28.54 Cr | 56.17 Cr | 85.10 Cr |
| EPS | — | 8.15 | 1.83 | 10.48 | -38.48 | 15.75 | 20.67 | 23.48 |
| Net interest income | 45.98 Cr | 93.11 Cr | 1.36 Arb | 1.86 Arb | 45.38 Cr | 94.72 Cr | 1.45 Arb | 2.00 Arb |
| Revenue | 55.56 Cr | 1.09 Arb | 1.57 Arb | 2.15 Arb | 55.04 Cr | 1.11 Arb | 1.67 Arb | 2.28 Arb |
| Non-performing loans | 3.69% | 4.68% | 7.18% | 4.55% | 7.78% | 6.78% | 6.49% | 6.94% |