Prime Commercial Bank Ltd. · Quarterly report
PCBL Q4 Financial Report — FY 2082/83
Prime Commercial Bank Ltd. (PCBL) posted a year-to-date net profit of Rs 4.11 Arb at the end of Q4 FY 2082/83, up 2.2% from Rs 4.02 Arb a year earlier. Annualised EPS is Rs 19.63 against Rs 20.74 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 | 20.95 Arb | 19.40 Arb | +8.0% |
| Share Premium | 0 | 0 | — |
| Retained Earnings | 1.91 Arb | 2.78 Arb | -31.4% |
| Reserves | 13.98 Arb | 11.52 Arb | +21.3% |
| Total Equity | 36.84 Arb | 33.71 Arb | +9.3% |
| Total Assets | 336.07 Arb | 317.15 Arb | +6.0% |
| Deposits from Customers | 277.74 Arb | 263.36 Arb | +5.5% |
| Borrowings | 0 | 2.75 Arb | -100.0% |
| Loans and Advances to BFIs | 10.60 Arb | 8.89 Arb | +19.2% |
| Loans and Advances to Customers | 226.44 Arb | 210.46 Arb | +7.6% |
| Investment Securities | 53.06 Arb | 52.37 Arb | +1.3% |
| Interest Income | 21.62 Arb | 23.53 Arb | -8.1% |
| Net Interest Income | 9.21 Arb | 8.82 Arb | +4.4% |
| Total Operating Income | 11.90 Arb | 11.17 Arb | +6.6% |
| Operating Profit | 6.83 Arb | 6.56 Arb | +4.2% |
| Net Profit | 4.11 Arb | 4.02 Arb | +2.2% |
| Distributable Profit | 1.91 Arb | 2.78 Arb | -31.4% |
| Number of Shares | 20.95 Cr | 19.40 Cr | +8.0% |
| EPS Reported | 19.63 | 20.74 | -5.4% |
| Book Value Reported | 175.80 | 173.72 | +1.2% |
| ROE Reported | 11.16% | 12.51% | -1.35 pp |
| CAR | 12.87% | 11.74% | +1.13 pp |
| NPL | 6.69% | 5.56% | +1.13 pp |
| Cost of funds | 3.81K | 5.21K | -26.9% |
| Credit To Deposit Ratio | 83.36% | 83.39% | -0.03 pp |
| Base Rate | 4.95% | 6.49% | -1.54 pp |
| Interest Spread Rate | 3.66% | 3.69% | -0.03 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
PCBL 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 | 1.29 Arb | 1.87 Arb | 2.23 Arb | 4.02 Arb | 1.29 Arb | 2.04 Arb | 3.09 Arb | 4.11 Arb |
| EPS | — | 19.28 | 15.32 | 20.74 | 26.53 | 19.50 | 19.66 | 19.63 |
| Net interest income | 2.33 Arb | 4.42 Arb | 6.66 Arb | 8.82 Arb | 2.33 Arb | 4.65 Arb | 6.84 Arb | 9.21 Arb |
| Revenue | 3.11 Arb | 5.64 Arb | 8.34 Arb | 11.17 Arb | 3.11 Arb | 6.19 Arb | 8.91 Arb | 11.90 Arb |
| Non-performing loans | 4.86% | 4.96% | 5.65% | 5.56% | 5.86% | 6.38% | 6.39% | 6.69% |