Shree Investment Finance Co. Ltd. · Quarterly report
SIFC Q4 Financial Report — FY 2082/83
Shree Investment Finance Co. Ltd. (SIFC) posted a year-to-date net profit of Rs 4.62 Cr at the end of Q4 FY 2082/83, down 33.9% from Rs 6.99 Cr a year earlier. Annualised EPS is Rs 4.62 against Rs 6.99 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 | 1.00 Arb | 1.00 Arb | +0.0% |
| Share Premium | 0 | 0 | — |
| Retained Earnings | 4.03 Cr | 6.28 Cr | -35.9% |
| Reserves | 35.79 Cr | 35.95 Cr | -0.4% |
| Total Equity | 1.40 Arb | 1.42 Arb | -1.7% |
| Total Assets | 10.45 Arb | 9.93 Arb | +5.3% |
| Deposits from Customers | 8.46 Arb | 7.83 Arb | +8.0% |
| Borrowings | 0 | 0 | — |
| Loans and Advances to BFIs | 29.77 Cr | 25.79 Cr | +15.4% |
| Loans and Advances to Customers | 5.87 Arb | 6.16 Arb | -4.6% |
| Investment Securities | 2.16 Arb | 2.21 Arb | -1.9% |
| Interest Income | 70.57 Cr | 82.83 Cr | -14.8% |
| Net Interest Income | 22.83 Cr | 23.32 Cr | -2.1% |
| Total Operating Income | 25.72 Cr | 27.99 Cr | -8.1% |
| Operating Profit | 6.60 Cr | 9.99 Cr | -33.9% |
| Net Profit | 4.62 Cr | 6.99 Cr | -33.9% |
| Distributable Profit | 4.03 Cr | 6.28 Cr | -35.9% |
| Number of Shares | 1.00 Cr | 1.00 Cr | +0.0% |
| EPS Reported | 4.62 | 6.99 | -33.9% |
| Book Value Reported | 139.82 | 142.23 | -1.7% |
| ROE Reported | 3.31% | 4.92% | -1.61 pp |
| CAR | 19.12% | 18.07% | +1.05 pp |
| NPL | 3.74% | 2.57% | +1.17 pp |
| Cost of funds | 4.90K | 6.50K | -24.6% |
| Credit To Deposit Ratio | 71.39% | 78.31% | -6.92 pp |
| Base Rate | 6.46% | 8.18% | -1.72 pp |
| Interest Spread Rate | 3.68% | 4.01% | -0.33 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
SIFC 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 | 41.51 L | 1.42 Cr | 4.91 Cr | 6.99 Cr | 34.44 L | 1.22 Cr | 2.54 Cr | 4.62 Cr |
| EPS | — | 2.83 | 6.55 | 6.99 | 1.38 | 2.43 | 3.38 | 4.62 |
| Net interest income | 8.28 Cr | 12.94 Cr | 19.03 Cr | 23.32 Cr | 6.53 Cr | 11.50 Cr | 16.60 Cr | 22.83 Cr |
| Revenue | 9.65 Cr | 15.08 Cr | 22.23 Cr | 27.99 Cr | 7.33 Cr | 12.81 Cr | 18.74 Cr | 25.72 Cr |
| Non-performing loans | 3.19% | 3.71% | 3.75% | 2.57% | 3.34% | 3.83% | 6.37% | 3.74% |