Nepal Infrastructure Bank Limited · Quarterly report
NIFRA Q4 Financial Report — FY 2082/83
Nepal Infrastructure Bank Limited (NIFRA) posted a year-to-date net profit of Rs 98.74 Cr at the end of Q4 FY 2082/83, down 14.4% from Rs 1.15 Arb a year earlier. Annualised EPS is Rs 4.57 against Rs 5.34 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 | 21.60 Arb | 21.60 Arb | +0.0% |
| Share Premium | 0 | 0 | — |
| Retained Earnings | 0 | 0 | — |
| Reserves | 3.72 Arb | 4.08 Arb | -8.8% |
| Total Equity | 25.32 Arb | 25.68 Arb | -1.4% |
| Total Assets | 41.85 Arb | 41.41 Arb | +1.1% |
| Deposits from Customers | 7.84 Arb | 7.69 Arb | +1.9% |
| Borrowings | 0 | 0 | — |
| Loans and Advances to BFIs | 0 | 0 | — |
| Loans and Advances to Customers | 31.42 Arb | 24.81 Arb | +26.7% |
| Investment Securities | 6.64 Arb | 11.50 Arb | -42.3% |
| Interest Income | 2.42 Arb | 2.47 Arb | -1.8% |
| Net Interest Income | 1.45 Arb | 1.90 Arb | -23.9% |
| Total Operating Income | 1.50 Arb | 1.92 Arb | -21.7% |
| Operating Profit | 1.42 Arb | 1.64 Arb | -13.6% |
| Net Profit | 98.74 Cr | 1.15 Arb | -14.4% |
| Distributable Profit | 0 | 1.18 Arb | -100.0% |
| Number of Shares | 21.60 Cr | 21.60 Cr | +0.0% |
| EPS Reported | 4.57 | 5.34 | -14.4% |
| Book Value Reported | 117.22 | 118.88 | -1.4% |
| ROE Reported | 3.90% | 4.49% | -0.59 pp |
| CAR | 67.15% | 78.23% | -11.08 pp |
| NPL | 0.00% | 0.00% | +0.00 pp |
| Cost of funds | 6.46K | 6.51K | -0.8% |
| Credit To Deposit Ratio | 79.92% | 65.25% | +14.67 pp |
| Base Rate | 6.77% | 6.97% | -0.20 pp |
| Interest Spread Rate | 0.00% | 0.00% | +0.00 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
NIFRA 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 | 35.09 Cr | 64.20 Cr | 90.01 Cr | 1.15 Arb | 20.85 Cr | 40.99 Cr | 64.33 Cr | 98.74 Cr |
| EPS | — | 5.94 | 5.56 | 5.34 | 3.86 | 3.80 | 3.97 | 4.57 |
| Net interest income | 56.26 Cr | 1.04 Arb | 1.48 Arb | 1.90 Arb | 37.31 Cr | 74.07 Cr | 1.08 Arb | 1.45 Arb |
| Revenue | 57.62 Cr | 1.06 Arb | 1.50 Arb | 1.92 Arb | 38.58 Cr | 75.59 Cr | 1.10 Arb | 1.50 Arb |
| Non-performing loans | 0.07% | 0.30% | 0.30% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |