Standard Chartered Bank Nepal Limited · Quarterly report
SCB Q4 Financial Report — FY 2082/83
Standard Chartered Bank Nepal Limited (SCB) posted a year-to-date net profit of Rs 2.85 Arb at the end of Q4 FY 2082/83, down 5.9% from Rs 3.03 Arb a year earlier. Annualised EPS is Rs 28.38 against Rs 30.17 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 | 10.04 Arb | 10.04 Arb | +0.0% |
| Share Premium | 0 | 0 | — |
| Retained Earnings | 1.91 Arb | 1.99 Arb | -4.1% |
| Reserves | 10.72 Arb | 9.75 Arb | +9.9% |
| Total Equity | 22.67 Arb | 21.79 Arb | +4.1% |
| Total Assets | 180.06 Arb | 155.20 Arb | +16.0% |
| Deposits from Customers | 147.68 Arb | 125.34 Arb | +17.8% |
| Borrowings | 0 | 70.00 Cr | -100.0% |
| Loans and Advances to BFIs | 4.04 Arb | 14.95 Arb | -73.0% |
| Loans and Advances to Customers | 66.03 Arb | 72.71 Arb | -9.2% |
| Investment Securities | 27.68 Arb | 13.57 Arb | +104.0% |
| Interest Income | 7.42 Arb | 8.34 Arb | -11.0% |
| Net Interest Income | 3.94 Arb | 4.49 Arb | -12.1% |
| Total Operating Income | 6.41 Arb | 6.60 Arb | -2.9% |
| Operating Profit | 4.17 Arb | 4.71 Arb | -11.6% |
| Net Profit | 2.85 Arb | 3.03 Arb | -5.9% |
| Distributable Profit | 1.91 Arb | 1.99 Arb | -4.1% |
| Number of Shares | 10.04 Cr | 10.04 Cr | +0.0% |
| EPS Reported | 28.38 | 30.17 | -5.9% |
| Book Value Reported | 225.77 | 216.96 | +4.1% |
| ROE Reported | 12.57% | 14.18% | -1.61 pp |
| CAR | 18.13% | 17.82% | +0.31 pp |
| NPL | 2.03% | 1.47% | +0.56 pp |
| Cost of funds | 2.53K | 3.22K | -21.4% |
| Credit To Deposit Ratio | 47.24% | 69.48% | -22.24 pp |
| Base Rate | 4.42% | 4.99% | -0.57 pp |
| Interest Spread Rate | 3.77% | 3.53% | +0.24 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
SCB 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 | 86.22 Cr | 1.64 Arb | 2.17 Arb | 3.03 Arb | 86.22 Cr | 1.37 Arb | 2.08 Arb | 2.85 Arb |
| EPS | — | 32.67 | 28.86 | 30.17 | 34.34 | 27.35 | 27.64 | 28.38 |
| Net interest income | 1.17 Arb | 2.17 Arb | 3.24 Arb | 4.49 Arb | 1.17 Arb | 1.97 Arb | 2.91 Arb | 3.94 Arb |
| Revenue | 1.75 Arb | 3.22 Arb | 4.86 Arb | 6.60 Arb | 1.75 Arb | 3.13 Arb | 4.65 Arb | 6.41 Arb |
| Non-performing loans | 1.95% | 1.71% | 1.44% | 1.47% | 1.71% | 1.88% | 1.81% | 2.03% |