Swabhumaan Laghubitta Bittiya Sanstha Ltd · Quarterly report
SMFBS Q4 Financial Report — FY 2082/83
Swabhumaan Laghubitta Bittiya Sanstha Ltd (SMFBS) posted a year-to-date net profit of Rs 5.18 Cr at the end of Q4 FY 2082/83, down 28.4% from Rs 7.24 Cr a year earlier. Annualised EPS is Rs 33.77 against Rs 47.15 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 | 15.34 Cr | 15.34 Cr | +0.0% |
| Reserve and Surplus | 14.96 Cr | 13.39 Cr | +11.7% |
| Total Equity | 30.31 Cr | 28.74 Cr | +5.5% |
| Total Assets | 3.25 Arb | 3.12 Arb | +4.1% |
| Deposits from Customers | 88.70 Cr | 88.44 Cr | +0.3% |
| Borrowings | 1.91 Arb | 1.89 Arb | +1.1% |
| Loans and Advances to BFIs | 0 | 0 | — |
| Loans and Advances to Customers | 2.91 Arb | 2.88 Arb | +0.9% |
| Investments | 0 | 0 | — |
| Interest Income | 41.96 Cr | 40.06 Cr | +4.7% |
| Net Interest Income | 23.74 Cr | 20.51 Cr | +15.7% |
| Total Operating Income | 28.33 Cr | 23.58 Cr | +20.1% |
| Operating Profit | 7.40 Cr | 10.94 Cr | -32.3% |
| Net Profit | 5.18 Cr | 7.24 Cr | -28.4% |
| Number of Shares | 15.34 L | 15.34 L | +0.0% |
| EPS Reported | 33.77 | 47.15 | -28.4% |
| Book Value Reported | 197.50 | 187.27 | +5.5% |
| ROE Reported | 17.10% | 25.18% | -8.08 pp |
| CAR | 8.63% | 8.88% | -0.25 pp |
| NPL | 10.83% | 4.20% | +6.63 pp |
| Cost of funds | 5.97K | 6.25K | -4.5% |
| CD ratio | 103.89% | 152.32% | -48.43 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
SMFBS 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 | -12,092,140 | 2.03 Cr | 3.57 Cr | 7.24 Cr | 80.27 L | 2.92 Cr | 4.37 Cr | 5.18 Cr |
| EPS | -33.10 | 27.83 | 32.61 | 47.15 | 20.92 | 38.11 | 37.96 | 33.77 |
| Net interest income | 1.35 Cr | 7.14 Cr | 11.85 Cr | 20.51 Cr | 5.27 Cr | 11.53 Cr | 17.54 Cr | 23.74 Cr |
| Revenue | 2.01 Cr | 8.66 Cr | 14.05 Cr | 23.58 Cr | 6.89 Cr | 14.52 Cr | 21.46 Cr | 28.33 Cr |
| Non-performing loans | 4.17% | 3.42% | 4.11% | 4.20% | 8.41% | 4.95% | 5.39% | 10.83% |