NIC ASIA Laghubitta Bittiya Sanstha Limited · Quarterly report
NICLBSL Q4 Financial Report — FY 2082/83
NIC ASIA Laghubitta Bittiya Sanstha Limited (NICLBSL) posted a year-to-date net profit of Rs 12.20 Cr at the end of Q4 FY 2082/83, swinging from a net loss of Rs 44.87 Cr a year earlier. Annualised EPS is Rs 7.01 against Rs -25.79 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 | 1.74 Arb | 1.74 Arb | +0.0% |
| Reserve and Surplus | 13.52 Cr | 36.95 Cr | -63.4% |
| Total Equity | 1.87 Arb | 2.11 Arb | -11.1% |
| Total Assets | 23.93 Arb | 21.52 Arb | +11.2% |
| Deposits from Customers | 3.10 Arb | 2.10 Arb | +47.6% |
| Borrowings | 18.46 Arb | 17.13 Arb | +7.7% |
| Loans and Advances to BFIs | 0 | 0 | — |
| Loans and Advances to Customers | 19.61 Arb | 17.56 Arb | +11.6% |
| Investments | 1.29 Cr | 1.29 Cr | +0.0% |
| Interest Income | 2.48 Arb | 1.89 Arb | +31.3% |
| Net Interest Income | 1.40 Arb | 75.19 Cr | +86.5% |
| Total Operating Income | 1.55 Arb | 85.33 Cr | +81.4% |
| Operating Profit | 24.29 Cr | -446,238,060 | +154.4% |
| Net Profit | 12.20 Cr | -448,665,260 | +127.2% |
| Number of Shares | 1.74 Cr | 1.74 Cr | +0.0% |
| EPS Reported | 7.01 | -25.79 | +127.2% |
| Book Value Reported | 107.77 | 121.24 | -11.1% |
| ROE Reported | 6.51% | -21.27% | +27.78 pp |
| CAR | 6.19% | 9.48% | -3.29 pp |
| NPL | 12.40% | 16.99% | -4.59 pp |
| Cost of funds | 6.25K | 6.85K | -8.8% |
| CD ratio | 102.73% | 99.23% | +3.50 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
NICLBSL 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 | 68.79K | 42.14 L | 12.98 L | -448,665,260 | 90.91 L | 1.88 Cr | 10.69 Cr | 12.20 Cr |
| EPS | 0.02 | 0.48 | 0.10 | -25.79 | 2.09 | 2.16 | 8.20 | 7.01 |
| Net interest income | 17.49 Cr | 33.47 Cr | 49.60 Cr | 75.19 Cr | 37.10 Cr | 55.10 Cr | 85.41 Cr | 1.40 Arb |
| Revenue | 19.14 Cr | 37.74 Cr | 56.34 Cr | 85.33 Cr | 39.97 Cr | 61.24 Cr | 95.46 Cr | 1.55 Arb |
| Non-performing loans | 18.68% | 13.37% | 13.55% | 16.99% | 17.06% | 17.38% | 16.59% | 12.40% |