Saptakoshi Development bank Ltd · Quarterly report
SAPDBL Q4 Financial Report — FY 2082/83
Saptakoshi Development bank Ltd (SAPDBL) posted a year-to-date net profit of Rs 15.05 Cr at the end of Q4 FY 2082/83, up 96.4% from Rs 7.66 Cr a year earlier. Annualised EPS is Rs 18.04 against Rs 9.18 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 | 83.43 Cr | 83.43 Cr | +0.0% |
| Share Premium | 0 | 0 | — |
| Retained Earnings | -558,853,730 | -621,088,390 | +10.0% |
| Reserves | 44.80 Cr | 32.56 Cr | +37.6% |
| Total Equity | 72.35 Cr | 53.88 Cr | +34.3% |
| Total Assets | 10.11 Arb | 8.46 Arb | +19.6% |
| Deposits from Customers | 8.89 Arb | 7.36 Arb | +20.8% |
| Borrowings | 0 | 0 | — |
| Loans and Advances to BFIs | 23.82 Cr | 0 | — |
| Loans and Advances to Customers | 5.56 Arb | 5.04 Arb | +10.3% |
| Investment Securities | 2.10 Arb | 62.47 Cr | +236.8% |
| Interest Income | 55.19 Cr | 58.17 Cr | -5.1% |
| Net Interest Income | 23.34 Cr | 22.84 Cr | +2.2% |
| Total Operating Income | 27.78 Cr | 28.20 Cr | -1.5% |
| Operating Profit | 24.80 Cr | 10.94 Cr | +126.6% |
| Net Profit | 15.05 Cr | 7.66 Cr | +96.4% |
| Distributable Profit | -558,853,730 | -621,088,390 | +10.0% |
| Number of Shares | 83.43 L | 83.43 L | +0.0% |
| EPS Reported | 18.04 | 9.18 | +96.5% |
| Book Value Reported | 86.71 | 64.58 | +34.3% |
| ROE Reported | 20.80% | 14.22% | +6.58 pp |
| CAR | 11.29% | 8.77% | +2.52 pp |
| NPL | 6.15% | 9.10% | -2.95 pp |
| Cost of funds | 3.70K | 4.30K | -14.0% |
| Credit To Deposit Ratio | 67.63% | 79.01% | -11.38 pp |
| Base Rate | 5.85% | 6.47% | -0.62 pp |
| Interest Spread Rate | 4.20% | 4.03% | +0.17 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
SAPDBL 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 | -87,784,360 | -29,917,800 | -27,797,840 | 7.66 Cr | -1,215,050 | 2.68 Cr | 5.90 Cr | 15.05 Cr |
| EPS | — | -7.17 | -4.44 | 9.18 | -0.58 | 6.43 | 9.43 | 18.04 |
| Net interest income | 4.42 Cr | 10.96 Cr | 17.41 Cr | 22.84 Cr | 6.50 Cr | 10.80 Cr | 15.36 Cr | 23.34 Cr |
| Revenue | 5.51 Cr | 13.15 Cr | 20.35 Cr | 28.20 Cr | 7.51 Cr | 12.80 Cr | 18.44 Cr | 27.78 Cr |
| Non-performing loans | 14.77% | 11.42% | 12.91% | 9.10% | 11.50% | 4.90% | 7.60% | 6.15% |