Laxmi Laghubitta Bittiya Sanstha Ltd. · Quarterly report
LLBS Q4 Financial Report — FY 2082/83
Laxmi Laghubitta Bittiya Sanstha Ltd. (LLBS) posted a year-to-date net profit of Rs 10.69 Cr at the end of Q4 FY 2082/83, up 445.3% from Rs 1.96 Cr a year earlier. Annualised EPS is Rs 24.20 against Rs 4.44 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 | 44.17 Cr | 44.17 Cr | +0.0% |
| Reserve and Surplus | 46.00 Cr | 27.08 Cr | +69.9% |
| Total Equity | 90.17 Cr | 71.24 Cr | +26.6% |
| Total Assets | 7.37 Arb | 6.05 Arb | +21.9% |
| Deposits from Customers | 2.86 Arb | 2.61 Arb | +9.6% |
| Borrowings | 3.47 Arb | 2.57 Arb | +34.9% |
| Loans and Advances to BFIs | 0 | 0 | — |
| Loans and Advances to Customers | 6.08 Arb | 5.77 Arb | +5.4% |
| Investments | 11.96 L | 23.42 L | -49.0% |
| Interest Income | 86.73 Cr | 88.15 Cr | -1.6% |
| Net Interest Income | 50.66 Cr | 45.15 Cr | +12.2% |
| Total Operating Income | 56.59 Cr | 49.61 Cr | +14.1% |
| Operating Profit | 15.24 Cr | 2.73 Cr | +458.0% |
| Net Profit | 10.69 Cr | 1.96 Cr | +445.3% |
| Number of Shares | 44.17 L | 44.17 L | +0.0% |
| EPS Reported | 24.20 | 4.44 | +445.0% |
| Book Value Reported | 204.16 | 161.31 | +26.6% |
| ROE Reported | 11.85% | 2.75% | +9.10 pp |
| CAR | 10.39% | 9.82% | +0.57 pp |
| NPL | 11.93% | 10.30% | +1.63 pp |
| Cost of funds | 6.41K | 6.97K | -8.0% |
| CD ratio | 194.11% | 199.39% | -5.28 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
LLBS 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 | 1.76 Cr | 5.02 Cr | 1.96 Cr | 3.09 Cr | 3.38 Cr | 5.73 Cr | 10.69 Cr |
| EPS | 15.41 | 7.97 | 15.17 | 4.44 | 27.99 | 15.31 | 17.29 | 24.20 |
| Net interest income | 11.35 Cr | 19.72 Cr | 32.34 Cr | 45.15 Cr | 14.07 Cr | 22.56 Cr | 35.24 Cr | 50.66 Cr |
| Revenue | 12.04 Cr | 22.13 Cr | 35.95 Cr | 49.61 Cr | 15.28 Cr | 25.41 Cr | 39.40 Cr | 56.59 Cr |
| Non-performing loans | 7.94% | 8.47% | 9.16% | 10.30% | 11.79% | 13.04% | 12.59% | 11.93% |