Prabhu Bank Limited · Quarterly report
PRVU Q4 Financial Report — FY 2082/83
Prabhu Bank Limited (PRVU) posted a year-to-date net loss of Rs 24.12 Cr at the end of Q4 FY 2082/83, against a net profit of Rs 5.44 Arb a year earlier. Annualised EPS is Rs -1.02 against Rs 23.12 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 | 23.54 Arb | 23.54 Arb | +0.0% |
| Share Premium | 0 | 0 | — |
| Retained Earnings | -6,313,117,000 | 1.05 Arb | -704.1% |
| Reserves | 15.95 Arb | 13.55 Arb | +17.7% |
| Total Equity | 33.18 Arb | 38.14 Arb | -13.0% |
| Total Assets | 412.09 Arb | 410.67 Arb | +0.3% |
| Deposits from Customers | 348.04 Arb | 342.19 Arb | +1.7% |
| Borrowings | 0 | 68.78 Cr | -100.0% |
| Loans and Advances to BFIs | 6.95 Arb | 7.83 Arb | -11.3% |
| Loans and Advances to Customers | 214.55 Arb | 230.37 Arb | -6.9% |
| Investment Securities | 130.72 Arb | 119.66 Arb | +9.2% |
| Interest Income | 21.98 Arb | 23.23 Arb | -5.4% |
| Net Interest Income | 9.27 Arb | 16.03 Arb | -42.2% |
| Total Operating Income | 12.67 Arb | 10.57 Arb | +19.9% |
| Operating Profit | 1.59 Arb | 6.28 Arb | -74.6% |
| Net Profit | -241,244,000 | 5.44 Arb | -104.4% |
| Distributable Profit | -6,313,117,000 | 1.05 Arb | -704.1% |
| Number of Shares | 23.54 Cr | 23.54 Cr | +0.0% |
| EPS Reported | -1.02 | 23.12 | -104.4% |
| Book Value Reported | 140.92 | 162.00 | -13.0% |
| ROE Reported | -0.73% | 14.95% | -15.68 pp |
| CAR | 11.83% | 13.90% | -2.07 pp |
| NPL | 15.55% | 4.96% | +10.59 pp |
| Cost of funds | 3.25K | 4.36K | -25.5% |
| Credit To Deposit Ratio | 67.86% | 70.78% | -2.92 pp |
| Base Rate | 4.99% | 6.67% | -1.68 pp |
| Interest Spread Rate | 3.28% | 3.73% | -0.45 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
PRVU 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 | 1.04 Arb | 1.34 Arb | 1.88 Arb | 5.44 Arb | 55.85 Cr | 1.01 Arb | 85.15 Cr | -241,244,000 |
| EPS | — | 11.35 | 10.63 | 23.12 | 9.49 | 8.62 | 4.82 | -1.02 |
| Net interest income | 2.63 Arb | 4.87 Arb | 7.09 Arb | 16.03 Arb | 2.90 Arb | 4.98 Arb | 7.18 Arb | 9.27 Arb |
| Revenue | 3.47 Arb | 6.67 Arb | 9.62 Arb | 10.57 Arb | 3.83 Arb | 6.70 Arb | 9.82 Arb | 12.67 Arb |
| Non-performing loans | 4.94% | 5.06% | 5.09% | 4.96% | 5.78% | 8.68% | 8.84% | 15.55% |