Narayani Development Bank Limited · Quarterly report
NABBC Q4 Financial Report — FY 2082/83
Narayani Development Bank Limited (NABBC) posted a year-to-date net loss of Rs 5.38 Cr at the end of Q4 FY 2082/83, against a net loss of Rs 2.52 Cr a year earlier. Annualised EPS is Rs -10.25 against Rs -9.59 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 | 52.50 Cr | 26.25 Cr | +100.0% |
| Share Premium | 3.09 Cr | 1.01 Cr | +205.4% |
| Retained Earnings | -522,340,110 | -453,921,770 | -15.1% |
| Reserves | 12.12 Cr | 25.26 Cr | -52.0% |
| Total Equity | 15.47 Cr | 7.12 Cr | +117.2% |
| Total Assets | 77.35 Cr | 58.10 Cr | +33.2% |
| Deposits from Customers | 58.04 Cr | 44.97 Cr | +29.1% |
| Borrowings | 0 | 0 | — |
| Loans and Advances to BFIs | 0 | 0 | — |
| Loans and Advances to Customers | 15.37 Cr | 19.97 Cr | -23.0% |
| Investment Securities | 3.35 Cr | 3.92 Cr | -14.4% |
| Interest Income | 2.29 Cr | 3.57 Cr | -36.0% |
| Net Interest Income | -2,799,040 | -299,000 | -836.1% |
| Total Operating Income | -2,118,030 | 40.40 L | -152.4% |
| Operating Profit | -45,637,920 | -30,819,690 | -48.1% |
| Net Profit | -53,796,880 | -25,169,200 | -113.7% |
| Distributable Profit | -522,340,110 | -25,169,200 | -1975.3% |
| Number of Shares | 52.50 L | 26.25 L | +100.0% |
| EPS Reported | -10.25 | -9.59 | -6.9% |
| Book Value Reported | 29.47 | 27.15 | +8.5% |
| ROE Reported | -34.77% | -35.33% | +0.56 pp |
| CAR | 29.41% | -7.84% | +37.25 pp |
| NPL | 48.49% | 50.97% | -2.48 pp |
| Cost of funds | 4.74K | 6.25K | -24.2% |
| Credit To Deposit Ratio | 49.34% | 74.07% | -24.73 pp |
| Base Rate | 18.87% | 16.24% | +2.63 pp |
| Interest Spread Rate | 3.76% | 4.50% | -0.74 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
NABBC 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 | -4,850,990 | -4,553,490 | -12,674,660 | -25,169,200 | -22,107,030 | -47,347,800 | -49,781,510 | -53,796,880 |
| EPS | — | -3.47 | -6.44 | -9.59 | -33.69 | -19.16 | -12.64 | -10.25 |
| Net interest income | -4,366,090 | -2,366,860,000 | 12.21 L | -299,000 | -1,230,150 | -2,318,020 | -2,454,690 | -2,799,040 |
| Revenue | -3,485,420 | -1,364,836,000 | 32.34 L | 40.40 L | 10.95 L | -2,161,250 | -2,180,460 | -2,118,030 |
| Non-performing loans | 34.81% | 43.69% | 44.96% | 50.97% | 57.04% | 57.48% | 59.37% | 48.49% |