NIC Asia Bank Ltd. · Quarterly report
NICA Q4 Financial Report — FY 2082/83
NIC Asia Bank Ltd. (NICA) posted a year-to-date net profit of Rs 18.17 Cr at the end of Q4 FY 2082/83, up 12.5% from Rs 16.16 Cr a year earlier. Annualised EPS is Rs 1.22 against Rs 1.08 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 | 14.92 Arb | 14.92 Arb | +0.0% |
| Share Premium | 0 | 0 | — |
| Retained Earnings | -14,865,023,040 | -5,211,822,270 | -185.2% |
| Reserves | 25.65 Arb | 19.82 Arb | +29.5% |
| Total Equity | 25.71 Arb | 29.52 Arb | -12.9% |
| Total Assets | 393.88 Arb | 378.76 Arb | +4.0% |
| Deposits from Customers | 343.68 Arb | 319.07 Arb | +7.7% |
| Borrowings | 0 | 0 | — |
| Loans and Advances to BFIs | 8.85 Arb | 9.90 Arb | -10.6% |
| Loans and Advances to Customers | 192.02 Arb | 224.12 Arb | -14.3% |
| Investment Securities | 66.54 Arb | 47.49 Arb | +40.1% |
| Interest Income | 22.73 Arb | 28.82 Arb | -21.1% |
| Net Interest Income | 7.85 Arb | 10.26 Arb | -23.5% |
| Total Operating Income | 9.62 Arb | 11.77 Arb | -18.3% |
| Operating Profit | 97.91 Cr | 1.27 Arb | -23.0% |
| Net Profit | 18.17 Cr | 16.16 Cr | +12.5% |
| Distributable Profit | -14,865,023,040 | -5,211,822,270 | -185.2% |
| Number of Shares | 14.92 Cr | 14.92 Cr | +0.0% |
| EPS Reported | 1.22 | 1.08 | +13.0% |
| Book Value Reported | 172.32 | 197.90 | -12.9% |
| ROE Reported | 0.71% | 0.55% | +0.16 pp |
| CAR | 11.10% | 14.00% | -2.90 pp |
| NPL | 0.57% | 6.28% | -5.71 pp |
| Cost of funds | 4.02K | 4.92K | -18.3% |
| Credit To Deposit Ratio | 61.07% | 73.97% | -12.90 pp |
| Base Rate | 5.83% | 7.04% | -1.21 pp |
| Interest Spread Rate | 3.50% | 3.99% | -0.49 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
NICA 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 | 11.05 Cr | 15.17 Cr | 15.68 Cr | 16.16 Cr | 12.22 Cr | 13.12 Cr | 14.03 Cr | 18.17 Cr |
| EPS | — | 2.03 | 1.40 | 1.08 | 8.69 | 1.76 | 1.25 | 1.22 |
| Net interest income | 2.55 Arb | 5.19 Arb | 7.96 Arb | 10.26 Arb | 2.29 Arb | 4.36 Arb | 6.31 Arb | 7.85 Arb |
| Revenue | 3.07 Arb | 6.05 Arb | 9.19 Arb | 11.77 Arb | 2.78 Arb | 5.34 Arb | 7.68 Arb | 9.62 Arb |
| Non-performing loans | 4.24% | 4.61% | 5.75% | 6.28% | 6.99% | 7.47% | 8.85% | 0.57% |