RSDC Laghubitta Bittiya Sanstha Ltd. · Quarterly report
RSDC Q4 Financial Report — FY 2082/83
RSDC Laghubitta Bittiya Sanstha Ltd. (RSDC) posted a year-to-date net profit of Rs 13.82 Cr at the end of Q4 FY 2082/83, up 34.0% from Rs 10.32 Cr a year earlier. Annualised EPS is Rs 13.37 against Rs 9.98 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 | 1.03 Arb | 1.03 Arb | +0.0% |
| Reserve and Surplus | 32.13 Cr | 26.84 Cr | +19.7% |
| Total Equity | 1.36 Arb | 1.30 Arb | +4.1% |
| Total Assets | 5.67 Arb | 8.22 Arb | -31.1% |
| Deposits from Customers | 0 | 0 | — |
| Borrowings | 4.21 Arb | 6.81 Arb | -38.2% |
| Loans and Advances to BFIs | 0 | 6.24 Arb | -100.0% |
| Loans and Advances to Customers | 1.32 Cr | 1.30 Cr | +1.4% |
| Investments | 11.59 Cr | 20.00 L | +5694.5% |
| Interest Income | 41.39 Cr | 60.01 Cr | -31.0% |
| Net Interest Income | 19.15 Cr | 22.46 Cr | -14.7% |
| Total Operating Income | 19.69 Cr | 23.04 Cr | -14.5% |
| Operating Profit | 19.65 Cr | 14.99 Cr | +31.1% |
| Net Profit | 13.82 Cr | 10.32 Cr | +34.0% |
| Number of Shares | 1.03 Cr | 1.03 Cr | +0.0% |
| EPS Reported | 13.37 | 9.98 | +34.0% |
| Book Value Reported | 131.07 | 125.95 | +4.1% |
| ROE Reported | 10.20% | 7.92% | +2.28 pp |
| CAR | 27.72% | 18.45% | +9.27 pp |
| NPL | 3.92% | 3.34% | +0.58 pp |
| Cost of funds | 4.87K | 6.17K | -21.1% |
| CD ratio | 100.96% | 91.71% | +9.25 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
RSDC 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 | 2.61 Cr | 4.42 Cr | 6.99 Cr | 10.32 Cr | 2.11 Cr | 7.67 Cr | 6.56 Cr | 13.82 Cr |
| EPS | — | 9.36 | 9.01 | 9.98 | 8.17 | 14.83 | 8.46 | 13.37 |
| Net interest income | 6.41 Cr | 11.21 Cr | 17.10 Cr | 22.46 Cr | 4.48 Cr | 10.76 Cr | 14.76 Cr | 19.15 Cr |
| Revenue | 6.76 Cr | 11.42 Cr | 17.51 Cr | 23.04 Cr | 4.69 Cr | 11.22 Cr | 15.27 Cr | 19.69 Cr |
| Non-performing loans | 2.57% | 2.71% | 3.13% | 3.34% | 4.44% | 2.84% | 3.46% | 3.92% |