Reliance Finance Ltd. · Quarterly report
RLFL Q4 Financial Report — FY 2082/83
Reliance Finance Ltd. (RLFL) posted a year-to-date net profit of Rs 5.06 Cr at the end of Q4 FY 2082/83, up 18.5% from Rs 4.27 Cr a year earlier. Annualised EPS is Rs 4.51 against Rs 3.81 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 | 1.12 Arb | 1.12 Arb | +0.0% |
| Share Premium | 11.41 L | 11.41 L | +0.0% |
| Retained Earnings | -151,067,000 | -199,042,000 | +24.1% |
| Reserves | 33.81 Cr | 31.10 Cr | +8.7% |
| Total Equity | 1.31 Arb | 1.23 Arb | +6.1% |
| Total Assets | 12.52 Arb | 9.99 Arb | +25.3% |
| Deposits from Customers | 10.98 Arb | 8.39 Arb | +30.8% |
| Borrowings | 0 | 0 | — |
| Loans and Advances to BFIs | 34.89 L | 0 | — |
| Loans and Advances to Customers | 9.10 Arb | 7.00 Cr | +12889.4% |
| Investment Securities | 2.02 Arb | 1.92 Arb | +5.3% |
| Interest Income | 78.46 Cr | 80.84 Cr | -2.9% |
| Net Interest Income | 28.35 Cr | 24.02 Cr | +18.0% |
| Total Operating Income | 38.19 Cr | 30.27 Cr | +26.2% |
| Operating Profit | 7.23 Cr | 5.57 Cr | +29.8% |
| Net Profit | 5.06 Cr | 4.27 Cr | +18.5% |
| Distributable Profit | -151,067,000 | -199,042,000 | +24.1% |
| Number of Shares | 1.12 Cr | 1.12 Cr | +0.0% |
| EPS Reported | 4.51 | 3.81 | +18.4% |
| Book Value Reported | 116.78 | 110.09 | +6.1% |
| ROE Reported | 3.86% | 3.46% | +0.40 pp |
| CAR | 12.49% | 15.24% | -2.75 pp |
| NPL | 6.55% | 9.00% | -2.45 pp |
| Cost of funds | 4.54K | 5.91K | -23.2% |
| Credit To Deposit Ratio | 85.02% | 82.12% | +2.90 pp |
| Base Rate | 6.72% | 8.40% | -1.68 pp |
| Interest Spread Rate | 4.15% | 4.45% | -0.30 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
RLFL 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 | -57,555,000 | -119,739,000 | -174,711,000 | 4.27 Cr | -164,827,000 | 17.23 L | 3.79 Cr | 5.06 Cr |
| EPS | — | -21.35 | -20.77 | 3.81 | -58.79 | 0.31 | 4.51 | 4.51 |
| Net interest income | 3.45 Cr | 6.75 Cr | 13.35 Cr | 24.02 Cr | 6.54 Cr | 12.05 Cr | 22.33 Cr | 28.35 Cr |
| Revenue | 4.76 Cr | 9.70 Cr | 17.48 Cr | 30.27 Cr | 9.20 Cr | 16.10 Cr | 28.73 Cr | 38.19 Cr |
| Non-performing loans | 8.58% | 14.31% | 16.08% | 9.00% | 10.67% | 9.09% | 10.34% | 6.55% |