Naya Sarathi Laghubitta Bittiya Sanstha Limited · Quarterly report
NSLB Q3 Financial Report — FY 2079/80
Naya Sarathi Laghubitta Bittiya Sanstha Limited (NSLB) posted a year-to-date net profit of Rs 1.93 Cr at the end of Q3 FY 2079/80, down 69.9% from Rs 6.41 Cr a year earlier.
Q3 FY 2079/80 vs Q3 FY 2078/79
| Metric | Q3 2079/80 | Q3 2078/79 | Change |
|---|---|---|---|
| Paid Up Capital | 30.34 Cr | 25.50 Cr | +19.0% |
| Reserve and Surplus | 19.45 Cr | 29.53 Cr | -34.1% |
| Total Equity | 49.79 Cr | 55.03 Cr | -9.5% |
| Total Assets | 4.73 Arb | 4.62 Arb | +2.4% |
| Deposits from Customers | 96.38 Cr | 99.26 Cr | -2.9% |
| Borrowings | 3.11 Arb | 2.82 Arb | +10.2% |
| Loans and Advances to Customers | 4.32 Arb | 4.20 Arb | +2.9% |
| Investments | 10.00K | 10.00K | +0.0% |
| Interest Income | 48.35 Cr | 40.68 Cr | +18.9% |
| Net Interest Income | 14.72 Cr | 18.87 Cr | -22.0% |
| Total Operating Income | 20.38 Cr | 25.20 Cr | -19.1% |
| Operating Profit | 2.76 Cr | 11.56 Cr | -76.1% |
| Net Profit | 1.93 Cr | 6.41 Cr | -69.9% |
| Number of Shares | 30.34 L | 25.50 L | +19.0% |
| EPS(Rs.) | 8.49 | 33.51 | -74.7% |
| Book Value(Rs.) | 164.11 | 215.83 | -24.0% |
| ROE | 5.00% | 15.53% | -10.53 pp |
| CAR | 10.00% | 12.19% | -2.19 pp |
| NPL | 6.98% | 3.76% | +3.22 pp |
| Cost of funds | 13.29K | 11.09K | +19.8% |
| CD ratio | 448.49% | 423.54% | +24.95 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
NSLB last 5 quarters
| Metric | Q3 2078/79 | Q4 2078/79 | Q1 2079/80 | Q2 2079/80 | Q3 2079/80 |
|---|---|---|---|---|---|
| Net profit | 6.41 Cr | 7.91 Cr | 62.87 L | 2.14 Cr | 1.93 Cr |
| Net interest income | 18.87 Cr | 25.74 Cr | 4.41 Cr | 10.94 Cr | 14.72 Cr |
| Revenue | 25.20 Cr | 34.01 Cr | 7.05 Cr | 15.37 Cr | 20.38 Cr |
| Non-performing loans | 3.76% | 3.81% | 3.83% | 4.25% | 6.98% |
| Return on equity | 15.53% | 16.95% | 4.89% | 8.60% | 5.00% |