Sindhu Bikash Bank Ltd · Quarterly report
SINDU Q4 Financial Report — FY 2082/83
Sindhu Bikash Bank Ltd (SINDU) posted a year-to-date net profit of Rs 10.02 L at the end of Q4 FY 2082/83, down 99.2% from Rs 11.79 Cr a year earlier. Annualised EPS is Rs 0.18 against Rs 21.15 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 | 55.75 Cr | 55.75 Cr | +0.0% |
| Share Premium | 0 | 0 | — |
| Retained Earnings | -236,683,670 | -207,594,620 | -14.0% |
| Reserves | 21.93 Cr | 13.34 Cr | +64.3% |
| Total Equity | 54.00 Cr | 48.33 Cr | +11.7% |
| Total Assets | 6.14 Arb | 6.38 Arb | -3.9% |
| Deposits from Customers | 5.41 Arb | 5.68 Arb | -4.7% |
| Borrowings | 0 | 16.71 L | -100.0% |
| Loans and Advances to BFIs | 19.06 Cr | 17.00 Cr | +12.1% |
| Loans and Advances to Customers | 3.33 Arb | 3.25 Arb | +2.2% |
| Investment Securities | 1.02 Arb | 1.53 Arb | -32.9% |
| Interest Income | 39.16 Cr | 44.89 Cr | -12.8% |
| Net Interest Income | 14.36 Cr | 13.38 Cr | +7.3% |
| Total Operating Income | 16.40 Cr | 15.07 Cr | +8.8% |
| Operating Profit | 2.65 Cr | 15.36 Cr | -82.8% |
| Net Profit | 10.02 L | 11.79 Cr | -99.2% |
| Distributable Profit | -236,683,670 | -207,594,620 | -14.0% |
| Number of Shares | 55.75 L | 55.75 L | +0.0% |
| EPS Reported | 0.18 | 21.15 | -99.1% |
| Book Value Reported | 96.87 | 86.70 | +11.7% |
| ROE Reported | 0.19% | 24.39% | -24.20 pp |
| CAR | 12.36% | 12.80% | -0.44 pp |
| NPL | 5.92% | 6.03% | -0.11 pp |
| Cost of funds | 3.89K | 5.41K | -28.1% |
| Credit To Deposit Ratio | 66.92% | 62.87% | +4.05 pp |
| Base Rate | 7.25% | 8.51% | -1.26 pp |
| Interest Spread Rate | 4.59% | 4.59% | +0.00 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
SINDU 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 | 2.31 Cr | 4.87 Cr | 7.85 Cr | 11.79 Cr | -44,597,700 | -15,468,120 | -33,073,690 | 10.02 L |
| EPS | — | 17.47 | 18.76 | 21.15 | -32.00 | -5.55 | -7.91 | 0.18 |
| Net interest income | 2.59 Cr | 5.67 Cr | 9.54 Cr | 13.38 Cr | 3.05 Cr | 5.88 Cr | 10.07 Cr | 14.36 Cr |
| Revenue | 2.86 Cr | 6.48 Cr | 10.66 Cr | 15.07 Cr | 3.50 Cr | 7.00 Cr | 11.72 Cr | 16.40 Cr |
| Non-performing loans | 11.29% | 9.06% | 8.64% | 6.03% | 8.84% | 6.39% | 7.92% | 5.92% |