Sanima Bank Limited · Quarterly report
SANIMA Q4 Financial Report — FY 2082/83
Sanima Bank Limited (SANIMA) posted a year-to-date net profit of Rs 1.66 Arb at the end of Q4 FY 2082/83, down 35.5% from Rs 2.57 Arb a year earlier. Annualised EPS is Rs 10.99 against Rs 18.93 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 | 15.09 Arb | 13.58 Arb | +11.1% |
| Share Premium | 3.09 Cr | 0 | — |
| Retained Earnings | 76.23 Cr | 2.78 Arb | -72.6% |
| Reserves | 7.43 Arb | 6.57 Arb | +13.2% |
| Total Equity | 23.31 Arb | 22.93 Arb | +1.7% |
| Total Assets | 249.30 Arb | 263.45 Arb | -5.4% |
| Deposits from Customers | 213.56 Arb | 223.95 Arb | -4.6% |
| Borrowings | 0 | 2.06 Arb | -100.0% |
| Loans and Advances to BFIs | 6.86 Arb | 7.01 Arb | -2.2% |
| Loans and Advances to Customers | 159.21 Arb | 176.44 Arb | -9.8% |
| Investment Securities | 56.99 Arb | 29.36 Arb | +94.1% |
| Interest Income | 10.13 Arb | 18.04 Arb | -43.8% |
| Net Interest Income | 4.40 Arb | 6.36 Arb | -30.8% |
| Total Operating Income | 6.09 Arb | 8.60 Arb | -29.2% |
| Operating Profit | 2.40 Arb | 3.57 Arb | -32.8% |
| Net Profit | 1.66 Arb | 2.57 Arb | -35.5% |
| Distributable Profit | 76.23 Cr | 2.78 Arb | -72.6% |
| Number of Shares | 15.09 Cr | 13.58 Cr | +11.1% |
| EPS Reported | 10.99 | 18.93 | -41.9% |
| Book Value Reported | 154.52 | 168.83 | -8.5% |
| ROE Reported | 7.12% | 11.73% | -4.61 pp |
| CAR | 13.40% | 13.01% | +0.39 pp |
| NPL | 4.01% | 3.01% | +1.00 pp |
| Cost of funds | 3.40K | 4.70K | -27.7% |
| Credit To Deposit Ratio | 77.67% | 81.03% | -3.36 pp |
| Base Rate | 5.19% | 6.12% | -0.93 pp |
| Interest Spread Rate | 3.53% | 3.68% | -0.15 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
SANIMA 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 | 39.95 Cr | 1.19 Arb | 1.65 Arb | 2.57 Arb | 45.49 Cr | 1.39 Arb | 2.35 Arb | 1.66 Arb |
| EPS | — | 17.56 | 16.22 | 18.93 | 13.40 | 20.48 | 20.11 | 10.99 |
| Net interest income | 1.32 Arb | 2.87 Arb | 4.28 Arb | 6.36 Arb | 1.69 Arb | 3.43 Arb | 5.16 Arb | 4.40 Arb |
| Revenue | 1.89 Arb | 4.01 Arb | 6.05 Arb | 8.60 Arb | 2.38 Arb | 4.67 Arb | 7.28 Arb | 6.09 Arb |
| Non-performing loans | 2.94% | 3.22% | 3.42% | 3.01% | 3.91% | 3.63% | 399.00% | 4.01% |