Laxmi Sunrise Bank Limited · Quarterly report
LSL Q4 Financial Report — FY 2082/83
Laxmi Sunrise Bank Limited (LSL) posted a year-to-date net profit of Rs 3.12 Arb at the end of Q4 FY 2082/83, down 24.3% from Rs 4.12 Arb a year earlier. Annualised EPS is Rs 11.64 against Rs 16.91 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 | 26.78 Arb | 24.35 Arb | +10.0% |
| Share Premium | 0 | 0 | — |
| Retained Earnings | 1.82 Arb | 3.01 Arb | -39.5% |
| Reserves | 18.81 Arb | 18.09 Arb | +4.0% |
| Total Equity | 47.41 Arb | 45.44 Arb | +4.3% |
| Total Assets | 511.81 Arb | 443.71 Arb | +15.3% |
| Deposits from Customers | 424.38 Arb | 367.05 Arb | +15.6% |
| Borrowings | 61.39 Cr | 54.85 Cr | +11.9% |
| Loans and Advances to BFIs | 9.37 Arb | 8.23 Arb | +13.8% |
| Loans and Advances to Customers | 306.54 Arb | 275.04 Arb | +11.5% |
| Investment Securities | 121.01 Arb | 98.42 Arb | +23.0% |
| Interest Income | 26.40 Arb | 29.46 Arb | -10.4% |
| Net Interest Income | 11.59 Arb | 11.38 Arb | +1.9% |
| Total Operating Income | 15.67 Arb | 14.68 Arb | +6.7% |
| Operating Profit | 4.71 Arb | 6.10 Arb | -22.8% |
| Net Profit | 3.12 Arb | 4.12 Arb | -24.3% |
| Distributable Profit | 1.82 Arb | 3.01 Arb | -39.5% |
| Number of Shares | 26.78 Cr | 24.35 Cr | +10.0% |
| EPS Reported | 11.64 | 16.91 | -31.2% |
| Book Value Reported | 177.02 | 186.63 | -5.1% |
| ROE Reported | 6.58% | 9.58% | -3.00 pp |
| CAR | 9.90% | 12.73% | -2.83 pp |
| NPL | 5.23% | 4.25% | +0.98 pp |
| Cost of funds | 3.28K | 4.47K | -26.6% |
| Credit To Deposit Ratio | 74.77% | 77.15% | -2.38 pp |
| Base Rate | 5.05% | 6.50% | -1.45 pp |
| Interest Spread Rate | 3.22% | 3.51% | -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.
LSL 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 | 53.64 Cr | 1.16 Arb | 1.65 Arb | 4.12 Arb | 33.23 Cr | -273,615,000 | 2.04 Arb | 3.12 Arb |
| EPS | — | 9.55 | 9.05 | 16.91 | 5.46 | -2.04 | 10.15 | 11.64 |
| Net interest income | 2.67 Arb | 5.19 Arb | 7.89 Arb | 11.38 Arb | 2.72 Arb | 5.25 Arb | 7.88 Arb | 11.59 Arb |
| Revenue | 3.41 Arb | 6.71 Arb | 10.25 Arb | 14.68 Arb | 3.92 Arb | 7.34 Arb | 10.86 Arb | 15.67 Arb |
| Non-performing loans | 5.44% | 5.67% | 5.86% | 4.25% | 5.42% | 5.50% | 5.29% | 5.23% |