Shine Resunga Development Bank LTD · Quarterly report
SHINE Q4 Financial Report — FY 2082/83
Shine Resunga Development Bank LTD (SHINE) posted a year-to-date net profit of Rs 1.18 Arb at the end of Q4 FY 2082/83, up 71.5% from Rs 68.86 Cr a year earlier. Annualised EPS is Rs 23.52 against Rs 14.12 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 | 5.02 Arb | 4.88 Arb | +3.0% |
| Share Premium | 0 | 0 | — |
| Retained Earnings | 84.65 Cr | 68.05 Cr | +24.4% |
| Reserves | 2.14 Arb | 1.83 Arb | +17.2% |
| Total Equity | 8.01 Arb | 7.38 Arb | +8.5% |
| Total Assets | 87.70 Arb | 80.26 Arb | +9.3% |
| Deposits from Customers | 77.85 Arb | 71.77 Arb | +8.5% |
| Borrowings | 0 | 3.66 L | -100.0% |
| Loans and Advances to BFIs | 68.84 Cr | 1.33 Arb | -48.1% |
| Loans and Advances to Customers | 63.27 Arb | 56.93 Arb | +11.1% |
| Investment Securities | 17.23 Arb | 15.29 Arb | +12.7% |
| Interest Income | 6.01 Arb | 6.38 Arb | -5.7% |
| Net Interest Income | 2.83 Arb | 2.67 Arb | +6.0% |
| Total Operating Income | 3.17 Arb | 3.00 Arb | +5.6% |
| Operating Profit | 1.74 Arb | 95.37 Cr | +82.2% |
| Net Profit | 1.18 Arb | 68.86 Cr | +71.5% |
| Distributable Profit | 84.65 Cr | 68.05 Cr | +24.4% |
| Number of Shares | 5.02 Cr | 4.88 Cr | +3.0% |
| EPS Reported | 23.52 | 14.12 | +66.6% |
| Book Value Reported | 159.48 | 151.42 | +5.3% |
| ROE Reported | 14.75% | 9.65% | +5.10 pp |
| CAR | 13.70% | 12.58% | +1.12 pp |
| NPL | 4.93% | 4.24% | +0.69 pp |
| Cost of funds | 3.68K | 4.85K | -24.1% |
| Credit To Deposit Ratio | 84.18% | 82.60% | +1.58 pp |
| Base Rate | 5.38% | 6.41% | -1.03 pp |
| Interest Spread Rate | 4.01% | 4.18% | -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.
SHINE 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 | 23.94 Cr | 33.09 Cr | 51.40 Cr | 68.86 Cr | 23.94 Cr | 40.43 Cr | 78.84 Cr | 1.18 Arb |
| EPS | — | 13.57 | 14.06 | 14.12 | 19.64 | 16.10 | 20.93 | 23.52 |
| Net interest income | 65.89 Cr | 1.30 Arb | 1.93 Arb | 2.67 Arb | 65.89 Cr | 1.28 Arb | 2.06 Arb | 2.83 Arb |
| Revenue | 74.99 Cr | 1.48 Arb | 2.17 Arb | 3.00 Arb | 74.99 Cr | 1.46 Arb | 2.32 Arb | 3.17 Arb |
| Non-performing loans | 3.50% | 4.40% | 4.76% | 4.24% | 4.61% | 4.75% | 4.92% | 4.93% |