Siddhartha Bank Limited · Quarterly report
SBL Q4 Financial Report — FY 2082/83
Siddhartha Bank Limited (SBL) posted a year-to-date net profit of Rs 3.52 Arb at the end of Q4 FY 2082/83, up 3.7% from Rs 3.40 Arb a year earlier. Annualised EPS is Rs 19.24 against Rs 24.10 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 | 18.29 Arb | 14.09 Arb | +29.8% |
| Share Premium | 0 | 0 | — |
| Retained Earnings | 1.71 Arb | 1.86 Arb | -8.4% |
| Reserves | 16.92 Arb | 15.04 Arb | +12.5% |
| Total Equity | 36.92 Arb | 30.99 Arb | +19.1% |
| Total Assets | 389.73 Arb | 338.78 Arb | +15.0% |
| Deposits from Customers | 327.02 Arb | 280.32 Arb | +16.7% |
| Borrowings | 2.45 Arb | 5.84 Arb | -58.1% |
| Loans and Advances to BFIs | 8.79 Arb | 8.09 Arb | +8.6% |
| Loans and Advances to Customers | 233.87 Arb | 214.54 Arb | +9.0% |
| Investment Securities | 75.19 Arb | 54.72 Arb | +37.4% |
| Interest Income | 21.05 Arb | 22.31 Arb | -5.6% |
| Net Interest Income | 9.05 Arb | 8.44 Arb | +7.2% |
| Total Operating Income | 12.05 Arb | 11.16 Arb | +8.0% |
| Operating Profit | 5.16 Arb | 5.03 Arb | +2.6% |
| Net Profit | 3.52 Arb | 3.40 Arb | +3.7% |
| Distributable Profit | 1.71 Arb | 1.86 Arb | -8.4% |
| Number of Shares | 18.29 Cr | 14.09 Cr | +29.8% |
| EPS Reported | 19.24 | 24.10 | -20.2% |
| Book Value Reported | 201.81 | 219.97 | -8.3% |
| ROE Reported | 9.53% | 10.95% | -1.42 pp |
| CAR | 13.19% | 11.77% | +1.42 pp |
| NPL | 3.53% | 2.62% | +0.91 pp |
| Cost of funds | 3.42K | 4.39K | -22.1% |
| Credit To Deposit Ratio | 73.63% | 76.92% | -3.29 pp |
| Base Rate | 5.02% | 6.42% | -1.40 pp |
| Interest Spread Rate | 3.69% | 3.98% | -0.29 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
SBL 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 | 38.21 Cr | 53.02 Cr | 1.67 Arb | 3.40 Arb | 32.41 Cr | 1.33 Arb | 2.01 Arb | 3.52 Arb |
| EPS | — | 7.53 | 15.79 | 24.10 | 9.20 | 17.93 | 14.68 | 19.24 |
| Net interest income | 2.09 Arb | 4.12 Arb | 6.34 Arb | 8.44 Arb | 2.16 Arb | 4.33 Arb | 6.53 Arb | 9.05 Arb |
| Revenue | 2.69 Arb | 5.27 Arb | 8.16 Arb | 11.16 Arb | 3.09 Arb | 5.98 Arb | 8.83 Arb | 12.05 Arb |
| Non-performing loans | 3.91% | 4.50% | 4.04% | 2.62% | 3.80% | 3.45% | 3.71% | 3.53% |