Samaj Laghubitta Bittiya Sanstha Ltd · Quarterly report
SAMAJ Q4 Financial Report — FY 2081/82
Samaj Laghubitta Bittiya Sanstha Ltd (SAMAJ) posted a year-to-date net profit of Rs 1.42 Cr at the end of Q4 FY 2081/82, up 176.6% from Rs 51.31 L a year earlier. Annualised EPS is Rs 62.10.
Q4 FY 2081/82 vs Q4 FY 2080/81
| Metric | Q4 2081/82 | Q4 2080/81 | Change |
|---|---|---|---|
| Paid Up Capital | 2.29 Cr | 2.29 Cr | +0.0% |
| Reserve and Surplus | 3.63 Cr | 2.97 Cr | +22.2% |
| Total Equity | 5.91 Cr | 5.25 Cr | +12.6% |
| Total Assets | 54.17 Cr | 46.70 Cr | +16.0% |
| Deposits from Customers | 13.33 Cr | 16.06 Cr | -17.0% |
| Borrowings | 0 | 24.65 Cr | -100.0% |
| Loans and Advances to BFIs | 0 | — | — |
| Loans and Advances to Customers | 47.88 Cr | 44.27 Cr | +8.1% |
| Investments | 0 | — | — |
| Interest Income | 5.76 Cr | 6.28 Cr | -8.3% |
| Net Interest Income | 2.44 Cr | 2.03 Cr | +20.4% |
| Total Operating Income | 3.03 Cr | 2.69 Cr | +12.3% |
| Operating Profit | -14,016,770 | 2.30 Cr | -160.9% |
| Net Profit | 1.42 Cr | 51.31 L | +176.6% |
| Number of Shares | 2.29 L | 2.29 L | +0.0% |
| EPS Reported | 62.10 | — | — |
| Book Value Reported | 258.84 | — | — |
| ROE Reported | 23.99% | — | — |
| CAR | 11.51% | 11.68% | -0.17 pp |
| NPL | 4.76% | 4.82% | -0.06 pp |
| Cost of funds | 7.69K | 54.43K | -85.9% |
| CD ratio | 359.27% | 275.69% | +83.58 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
SAMAJ last 8 quarters
| Metric | Q1 2080/81 | Q2 2080/81 | Q3 2080/81 | Q4 2080/81 | Q1 2081/82 | Q2 2081/82 | Q3 2081/82 | Q4 2081/82 |
|---|---|---|---|---|---|---|---|---|
| Net profit | -3,377,990 | -1,670,490 | -2,298,620 | 51.31 L | -4,212,310 | 12.47K | 39.22 L | 1.42 Cr |
| EPS | — | — | — | — | — | 0.11 | 22.89 | 62.10 |
| Net interest income | 26.16 L | 67.06 L | 38.99 L | 2.03 Cr | 20.01 L | 1.06 Cr | 1.78 Cr | 2.44 Cr |
| Revenue | 37.66 L | 94.24 L | 1.43 Cr | 2.69 Cr | 30.90 L | 1.29 Cr | 2.22 Cr | 3.03 Cr |
| Non-performing loans | 8.59% | 4.01% | 10.53% | 4.82% | 4.48% | 4.90% | 4.49% | 4.76% |