Sabaiko Laghubitta Bittiya Sanstha Limited · Quarterly report
SABSL Q3 Financial Report — FY 2080/81
Sabaiko Laghubitta Bittiya Sanstha Limited (SABSL) posted a year-to-date net profit of Rs 1.97 Cr at the end of Q3 FY 2080/81, up 26.1% from Rs 1.56 Cr a year earlier.
Q3 FY 2080/81 vs Q3 FY 2079/80
| Metric | Q3 2080/81 | Q3 2079/80 | Change |
|---|---|---|---|
| Paid Up Capital | 31.86 Cr | 27.00 Cr | +18.0% |
| Reserve and Surplus | 12.41 Cr | 15.60 Cr | -20.4% |
| Total Equity | 44.27 Cr | 42.60 Cr | +3.9% |
| Total Assets | 4.45 Arb | 4.30 Arb | +3.4% |
| Deposits from Customers | 1.19 Arb | 1.32 Arb | -9.7% |
| Loans and Advances to Customers | 4.20 Arb | 3.99 Arb | +5.4% |
| Interest Income | 42.52 Cr | 48.46 Cr | -12.3% |
| Net Interest Income | 14.20 Cr | 15.46 Cr | -8.1% |
| Total Operating Income | 19.55 Cr | 18.92 Cr | +3.3% |
| Operating Profit | 2.19 Cr | 1.56 Cr | +40.2% |
| Net Profit | 1.97 Cr | 1.56 Cr | +26.1% |
| Number of Shares | 31.86 L | 27.00 L | +18.0% |
| EPS(Rs.) | 8.25 | 7.72 | +6.9% |
| Book Value(Rs.) | 138.96 | 157.76 | -11.9% |
| ROE | 5.94% | 5.00% | +0.94 pp |
| CAR | 8.39% | 9.00% | -0.61 pp |
| NPL | 4.61% | 6.74% | -2.13 pp |
| Cost of funds | 10.19K | 11.16K | -8.7% |
| CD ratio | 353.52% | — | — |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
SABSL last 8 quarters
| Metric | Q4 2078/79 | Q1 2079/80 | Q2 2079/80 | Q3 2079/80 | Q4 2079/80 | Q1 2080/81 | Q2 2080/81 | Q3 2080/81 |
|---|---|---|---|---|---|---|---|---|
| Net profit | 9.98 Cr | -29,688,000 | 1.03 Cr | 1.56 Cr | 2.22 Cr | 14.78 L | 7.59 L | 1.97 Cr |
| Net interest income | 28.49 Cr | 1.61 Cr | 7.18 Cr | 15.46 Cr | 19.74 Cr | 4.85 Cr | 6.56 Cr | 14.20 Cr |
| Revenue | 36.51 Cr | 2.98 Cr | 9.79 Cr | 18.92 Cr | 23.97 Cr | 6.11 Cr | 10.37 Cr | 19.55 Cr |
| Non-performing loans | 1.69% | 3.26% | 3.80% | 6.74% | 4.48% | 4.83% | 4.72% | 4.61% |
| Return on equity | 23.36% | -30.00% | 5.17% | 5.00% | 5.41% | 1.39% | 0.38% | 5.94% |