Rastra Utthan Laghubitta Sanstha Limited · Quarterly report
RULB Q3 Financial Report — FY 2079/80
Rastra Utthan Laghubitta Sanstha Limited (RULB) posted a year-to-date net profit of Rs 3.72 Cr at the end of Q3 FY 2079/80, down 33.0% from Rs 5.55 Cr a year earlier.
Q3 FY 2079/80 vs Q3 FY 2078/79
| Metric | Q3 2079/80 | Q3 2078/79 | Change |
|---|---|---|---|
| Paid Up Capital | 26.00 Cr | 26.00 Cr | -0.0% |
| Reserve and Surplus | 20.84 Cr | 17.35 Cr | +20.1% |
| Total Equity | 46.84 Cr | 43.35 Cr | +8.0% |
| Total Assets | 3.80 Arb | 3.48 Arb | +9.3% |
| Deposits from Customers | 86.37 Cr | 77.91 Cr | +10.9% |
| Borrowings | 2.32 Arb | 2.14 Arb | +8.6% |
| Loans and Advances to Customers | 3.50 Arb | 3.20 Arb | +9.4% |
| Investments | 3.30 Cr | 3.30 Cr | +0.0% |
| Interest Income | 39.38 Cr | 32.33 Cr | +21.8% |
| Net Interest Income | 15.95 Cr | 16.41 Cr | -2.8% |
| Total Operating Income | 19.64 Cr | 23.38 Cr | -16.0% |
| Operating Profit | 5.32 Cr | 8.82 Cr | -39.7% |
| Net Profit | 3.72 Cr | 5.55 Cr | -33.0% |
| Number of Shares | 26.00 L | 26.00 L | -0.0% |
| EPS(Rs.) | 19.10 | 28.49 | -33.0% |
| Book Value(Rs.) | 180.17 | 166.74 | +8.1% |
| ROE | 11.00% | 17.08% | -6.08 pp |
| CAR | 11.00% | 11.95% | -0.95 pp |
| NPL | 4.96% | 1.19% | +3.77 pp |
| Cost of funds | 11.39K | 8.38K | +35.9% |
| CD ratio | 109.81% | 109.55% | +0.26 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
RULB last 5 quarters
| Metric | Q3 2078/79 | Q4 2078/79 | Q1 2079/80 | Q2 2079/80 | Q3 2079/80 |
|---|---|---|---|---|---|
| Net profit | 5.55 Cr | 6.65 Cr | 38.23 L | 83.84 L | 3.72 Cr |
| Net interest income | 16.41 Cr | 22.09 Cr | 4.74 Cr | 10.06 Cr | 15.95 Cr |
| Revenue | 23.38 Cr | 30.59 Cr | 6.27 Cr | 12.69 Cr | 19.64 Cr |
| Non-performing loans | 1.19% | 1.11% | 1.43% | 2.73% | 4.96% |
| Return on equity | 17.08% | 15.04% | 3.43% | 3.73% | 11.00% |