Nepal SBI Bank Limited · Quarterly report
SBI Q4 Financial Report — FY 2082/83
Nepal SBI Bank Limited (SBI) posted a year-to-date net profit of Rs 2.04 Arb at the end of Q4 FY 2082/83, up 13.4% from Rs 1.80 Arb a year earlier. Annualised EPS is Rs 18.04 against Rs 16.54 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 | 11.34 Arb | 10.90 Arb | +4.0% |
| Share Premium | 0 | 0 | — |
| Retained Earnings | 1.25 Arb | 1.23 Arb | +1.7% |
| Reserves | 9.49 Arb | 8.43 Arb | +12.6% |
| Total Equity | 22.07 Arb | 20.56 Arb | +7.4% |
| Total Assets | 248.36 Arb | 232.76 Arb | +6.7% |
| Deposits from Customers | 212.83 Arb | 199.60 Arb | +6.6% |
| Borrowings | 0 | 0 | — |
| Loans and Advances to BFIs | 5.63 Arb | 6.61 Arb | -14.9% |
| Loans and Advances to Customers | 146.08 Arb | 134.97 Arb | +8.2% |
| Investment Securities | 29.66 Arb | 54.58 Arb | -45.7% |
| Interest Income | 14.48 Arb | 15.46 Arb | -6.3% |
| Net Interest Income | 5.33 Arb | 5.26 Arb | +1.4% |
| Total Operating Income | 7.16 Arb | 6.79 Arb | +5.4% |
| Operating Profit | 2.92 Arb | 2.73 Arb | +6.7% |
| Net Profit | 2.04 Arb | 1.80 Arb | +13.4% |
| Distributable Profit | 1.25 Arb | 1.23 Arb | +1.7% |
| Number of Shares | 11.34 Cr | 10.90 Cr | +4.0% |
| EPS Reported | 18.04 | 16.54 | +9.1% |
| Book Value Reported | 194.73 | 188.59 | +3.3% |
| ROE Reported | 9.26% | 9.01% | +0.25 pp |
| CAR | 13.74% | 13.03% | +0.71 pp |
| NPL | 2.92% | 3.35% | -0.43 pp |
| Cost of funds | 4.06K | 5.18K | -21.6% |
| Credit To Deposit Ratio | 71.16% | 70.75% | +0.41 pp |
| Base Rate | 5.21% | 6.29% | -1.08 pp |
| Interest Spread Rate | 3.21% | 3.52% | -0.31 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
SBI 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 | 81.47 Cr | 90.03 Cr | 1.20 Arb | 1.80 Arb | 50.16 Cr | 1.03 Arb | 1.46 Arb | 2.04 Arb |
| EPS | — | 17.15 | 14.72 | 16.54 | 18.41 | 18.93 | 17.19 | 18.04 |
| Net interest income | 1.35 Arb | 2.29 Arb | 3.53 Arb | 5.26 Arb | 1.32 Arb | 2.56 Arb | 3.87 Arb | 5.33 Arb |
| Revenue | 1.69 Arb | 2.99 Arb | 4.64 Arb | 6.79 Arb | 1.76 Arb | 3.55 Arb | 5.30 Arb | 7.16 Arb |
| Non-performing loans | 1.84% | 3.55% | 4.06% | 3.35% | 3.01% | 2.64% | 2.53% | 2.92% |