Pokhara Finance Ltd. · Quarterly report
PFL Q4 Financial Report — FY 2082/83
Pokhara Finance Ltd. (PFL) posted a year-to-date net profit of Rs 25.43 Cr at the end of Q4 FY 2082/83, up 123.2% from Rs 11.39 Cr a year earlier. Annualised EPS is Rs 13.37 against Rs 10.52 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 | 1.90 Arb | 1.08 Arb | +75.6% |
| Share Premium | 1.97 Cr | 0 | — |
| Retained Earnings | -1,830,098,370 | -1,560,128,360 | -17.3% |
| Reserves | 1.24 Arb | 1.06 Arb | +17.1% |
| Total Equity | 1.33 Arb | 58.12 Cr | +129.0% |
| Total Assets | 12.08 Arb | 7.92 Arb | +52.5% |
| Deposits from Customers | 10.43 Arb | 7.13 Arb | +46.3% |
| Borrowings | 0 | 0 | — |
| Loans and Advances to BFIs | 8.51 Cr | 1.48 Cr | +476.8% |
| Loans and Advances to Customers | 5.94 Arb | 4.81 Arb | +23.4% |
| Investment Securities | 2.14 Arb | 20.15 Cr | +960.2% |
| Interest Income | 54.94 Cr | 91.05 Cr | -39.7% |
| Net Interest Income | 17.64 Cr | 26.61 Cr | -33.7% |
| Total Operating Income | 18.65 Cr | 33.74 Cr | -44.7% |
| Operating Profit | 42.85 Cr | 34.33 Cr | +24.8% |
| Net Profit | 25.43 Cr | 11.39 Cr | +123.2% |
| Distributable Profit | -1,830,098,370 | -1,560,128,360 | -17.3% |
| Number of Shares | 1.90 Cr | 1.08 Cr | +75.6% |
| EPS Reported | 13.37 | 10.52 | +27.1% |
| Book Value Reported | 70.01 | 53.69 | +30.4% |
| ROE Reported | 19.10% | 16.24% | +2.86 pp |
| CAR | 12.89% | -3.78% | +16.67 pp |
| NPL | 20.84% | 4.59% | +16.25 pp |
| Cost of funds | 3.81K | 6.23K | -38.8% |
| Credit To Deposit Ratio | 66.43% | 85.30% | -18.87 pp |
| Base Rate | 6.52% | 9.18% | -2.66 pp |
| Interest Spread Rate | 4.16% | 4.13% | +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.
PFL 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 | -49,001,350 | -650,031,510 | 7.20 Cr | 11.39 Cr | -64,523,680 | 23.38 Cr | 7.31 Cr | 25.43 Cr |
| EPS | — | -120.09 | 8.86 | 10.52 | -23.84 | 43.20 | 9.00 | 13.37 |
| Net interest income | 7.48 Cr | 14.31 Cr | 26.21 Cr | 26.61 Cr | 3.38 Cr | 6.74 Cr | 13.89 Cr | 17.64 Cr |
| Revenue | 8.21 Cr | 16.07 Cr | 33.03 Cr | 33.74 Cr | 3.58 Cr | 7.07 Cr | 14.52 Cr | 18.65 Cr |
| Non-performing loans | 14.44% | 33.44% | 31.25% | 4.59% | 38.11% | 25.10% | 34.34% | 20.84% |