Nepal Finance Ltd. · Quarterly report
NFS Q4 Financial Report — FY 2082/83
Nepal Finance Ltd. (NFS) posted a year-to-date net loss of Rs 6.96 Cr at the end of Q4 FY 2082/83, against a net profit of Rs 2.17 Cr a year earlier. Annualised EPS is Rs -8.95 against Rs 2.86 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 | 77.81 Cr | 75.94 Cr | +2.5% |
| Share Premium | 5.11 Cr | 5.11 Cr | +0.0% |
| Retained Earnings | -365,099,050 | -287,964,320 | -26.8% |
| Reserves | 49.44 Cr | 52.07 Cr | -5.1% |
| Total Equity | 95.85 Cr | 1.04 Arb | -8.1% |
| Total Assets | 5.67 Arb | 5.24 Arb | +8.1% |
| Deposits from Customers | 4.46 Arb | 3.88 Arb | +14.9% |
| Borrowings | 0 | 0 | — |
| Loans and Advances to BFIs | 7.25 Cr | 9.11 Cr | -20.3% |
| Loans and Advances to Customers | 2.38 Arb | 2.50 Arb | -4.5% |
| Investment Securities | 47.32 Cr | 54.47 Cr | -13.1% |
| Interest Income | 33.75 Cr | 33.91 Cr | -0.5% |
| Net Interest Income | 8.41 Cr | 9.05 Cr | -7.1% |
| Total Operating Income | 11.19 Cr | 13.56 Cr | -17.5% |
| Operating Profit | -69,616,360 | 2.80 Cr | -348.5% |
| Net Profit | -69,616,360 | 2.17 Cr | -420.1% |
| Distributable Profit | -365,099,050 | -287,964,320 | -26.8% |
| Number of Shares | 77.81 L | 75.94 L | +2.5% |
| EPS Reported | -8.95 | 2.86 | -412.9% |
| Book Value Reported | 123.18 | 137.37 | -10.3% |
| ROE Reported | -7.26% | 2.08% | -9.34 pp |
| CAR | 26.74% | 25.80% | +0.94 pp |
| NPL | 13.83% | 9.74% | +4.09 pp |
| Cost of funds | 5.02K | 6.83K | -26.5% |
| Credit To Deposit Ratio | 59.71% | 68.84% | -9.13 pp |
| Base Rate | 7.59% | 9.05% | -1.46 pp |
| Interest Spread Rate | 4.55% | 4.58% | -0.03 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
NFS 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 | -24,001,380 | 2.05 Cr | 17.01 L | 2.17 Cr | -59,560,080 | -87,349,400 | -78,625,210 | -69,616,360 |
| EPS | — | 5.62 | 0.31 | 2.86 | -31.37 | -22.52 | -13.52 | -8.95 |
| Net interest income | 2.91 Cr | 5.52 Cr | 4.62 Cr | 9.05 Cr | 1.80 Cr | 3.11 Cr | 5.81 Cr | 8.41 Cr |
| Revenue | 3.49 Cr | 6.34 Cr | 5.95 Cr | 13.56 Cr | 2.24 Cr | 4.82 Cr | 8.04 Cr | 11.19 Cr |
| Non-performing loans | 10.36% | 10.46% | 9.66% | 9.74% | 4.00% | 16.73% | 14.32% | 13.83% |