Samata Gharelu Laghubitta Bittiya Sanstha Limited · Quarterly report
SMATA Q4 Financial Report — FY 2082/83
Samata Gharelu Laghubitta Bittiya Sanstha Limited (SMATA) posted a year-to-date net profit of Rs 11.92 Cr at the end of Q4 FY 2082/83, up 40.2% from Rs 8.50 Cr a year earlier. Annualised EPS is Rs 18.04 against Rs 13.51 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 | 66.05 Cr | 62.91 Cr | +5.0% |
| Reserve and Surplus | 29.80 Cr | 22.25 Cr | +33.9% |
| Total Equity | 95.85 Cr | 85.15 Cr | +12.6% |
| Total Assets | 7.37 Arb | 6.00 Arb | +23.0% |
| Deposits from Customers | 1.85 Arb | 1.60 Arb | +15.3% |
| Borrowings | 4.35 Arb | 3.37 Arb | +29.0% |
| Loans and Advances to BFIs | 0 | 0 | — |
| Loans and Advances to Customers | 6.71 Arb | 5.50 Arb | +22.1% |
| Investments | 5.00 L | 5.00 L | +0.0% |
| Interest Income | 81.48 Cr | 67.68 Cr | +20.4% |
| Net Interest Income | 47.19 Cr | 33.78 Cr | +39.7% |
| Total Operating Income | 55.83 Cr | 38.99 Cr | +43.2% |
| Operating Profit | 17.28 Cr | 14.86 Cr | +16.3% |
| Net Profit | 11.92 Cr | 8.50 Cr | +40.2% |
| Number of Shares | 66.05 L | 62.91 L | +5.0% |
| EPS Reported | 18.04 | 13.51 | +33.5% |
| Book Value Reported | 145.11 | 135.37 | +7.2% |
| ROE Reported | 12.43% | 9.98% | +2.45 pp |
| CAR | 12.68% | 14.05% | -1.37 pp |
| NPL | 13.22% | 6.87% | +6.35 pp |
| Cost of funds | 5.93K | 7.05K | -15.9% |
| CD ratio | 108.20% | 112.11% | -3.91 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
SMATA 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 | -41,336,040 | -15,683,770 | 2.61 Cr | 8.50 Cr | 1.97 Cr | 5.65 Cr | 8.23 Cr | 11.92 Cr |
| EPS | -29.32 | -5.24 | 5.54 | 13.51 | 12.54 | 17.12 | 16.62 | 18.04 |
| Net interest income | 4.98 Cr | 11.39 Cr | 20.86 Cr | 33.78 Cr | 10.80 Cr | 22.40 Cr | 34.13 Cr | 47.19 Cr |
| Revenue | 6.07 Cr | 13.58 Cr | 24.23 Cr | 38.99 Cr | 12.10 Cr | 25.62 Cr | 39.85 Cr | 55.83 Cr |
| Non-performing loans | 4.58% | 7.83% | 6.53% | 6.87% | 11.14% | 13.32% | 15.00% | 13.22% |