Nirdhan Utthan Laghubitta Bittiya Sanstha Limited · Quarterly report
NUBL Q4 Financial Report — FY 2082/83
Nirdhan Utthan Laghubitta Bittiya Sanstha Limited (NUBL) posted a year-to-date net profit of Rs 35.10 Cr at the end of Q4 FY 2082/83, down 58.0% from Rs 83.61 Cr a year earlier. Annualised EPS is Rs 12.80 against Rs 32.01 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 | 2.74 Arb | 2.61 Arb | +5.0% |
| Reserve and Surplus | 3.32 Arb | 3.17 Arb | +5.0% |
| Total Equity | 6.07 Arb | 5.78 Arb | +5.0% |
| Total Assets | 30.55 Arb | 27.78 Arb | +10.0% |
| Deposits from Customers | 22.64 Arb | 20.83 Arb | +8.7% |
| Borrowings | 1.58 Arb | 98.31 Cr | +61.1% |
| Loans and Advances to BFIs | 0 | 0 | — |
| Loans and Advances to Customers | 26.76 Arb | 24.55 Arb | +9.0% |
| Investments | 34.88 Cr | 35.67 Cr | -2.2% |
| Interest Income | 3.68 Arb | 3.56 Arb | +3.3% |
| Net Interest Income | 1.88 Arb | 1.77 Arb | +6.7% |
| Total Operating Income | 2.25 Arb | 2.68 Arb | -16.1% |
| Operating Profit | 70.50 Cr | 1.38 Arb | -49.0% |
| Net Profit | 35.10 Cr | 83.61 Cr | -58.0% |
| Number of Shares | 2.74 Cr | 2.61 Cr | +5.0% |
| EPS Reported | 12.80 | 32.01 | -60.0% |
| Book Value Reported | 221.18 | 221.22 | -0.0% |
| ROE Reported | 5.79% | 14.47% | -8.68 pp |
| CAR | 12.11% | 16.62% | -4.51 pp |
| NPL | 12.80% | 8.44% | +4.36 pp |
| Cost of funds | 8.04K | 8.23K | -2.3% |
| CD ratio | 120.76% | 121.14% | -0.38 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
NUBL 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 | -19,558,440 | 13.60 Cr | 48.06 Cr | 83.61 Cr | 12.62 Cr | 11.97 Cr | 15.50 Cr | 35.10 Cr |
| EPS | -3.00 | 10.41 | 24.53 | 32.01 | 19.32 | 8.73 | 7.54 | 12.80 |
| Net interest income | 56.22 Cr | 81.31 Cr | 1.20 Arb | 1.77 Arb | 43.40 Cr | 87.31 Cr | 1.39 Arb | 1.88 Arb |
| Revenue | 63.91 Cr | 1.29 Arb | 2.10 Arb | 2.68 Arb | 51.59 Cr | 1.09 Arb | 1.66 Arb | 2.25 Arb |
| Non-performing loans | 10.16% | 9.40% | 9.09% | 8.44% | 10.46% | 14.12% | 13.95% | 12.80% |