Swabalamban Laghubitta Bittiya Sanstha Limited · Quarterly report
SWBBL Q4 Financial Report — FY 2082/83
Swabalamban Laghubitta Bittiya Sanstha Limited (SWBBL) posted a year-to-date net profit of Rs 61.98 Cr at the end of Q4 FY 2082/83, up 40.0% from Rs 44.27 Cr a year earlier. Annualised EPS is Rs 35.41 against Rs 26.72 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 | 1.75 Arb | 1.66 Arb | +5.6% |
| Reserve and Surplus | 2.48 Arb | 2.10 Arb | +18.0% |
| Total Equity | 4.23 Arb | 3.76 Arb | +12.6% |
| Total Assets | 28.09 Arb | 23.79 Arb | +18.1% |
| Deposits from Customers | 18.09 Arb | 15.86 Arb | +14.0% |
| Borrowings | 5.41 Arb | 3.80 Arb | +42.4% |
| Loans and Advances to BFIs | 0 | 0 | — |
| Loans and Advances to Customers | 25.69 Arb | 21.70 Arb | +18.4% |
| Investments | 9.34 L | 11.96 L | -21.9% |
| Interest Income | 3.66 Arb | 3.27 Arb | +11.7% |
| Net Interest Income | 2.07 Arb | 1.84 Arb | +12.7% |
| Total Operating Income | 2.44 Arb | 2.20 Arb | +10.9% |
| Operating Profit | 95.72 Cr | 67.60 Cr | +41.6% |
| Net Profit | 61.98 Cr | 44.27 Cr | +40.0% |
| Number of Shares | 1.75 Cr | 1.66 Cr | +5.6% |
| EPS Reported | 35.41 | 26.72 | +32.5% |
| Book Value Reported | 241.91 | 227.05 | +6.5% |
| ROE Reported | 14.64% | 11.77% | +2.87 pp |
| CAR | 11.39% | 11.56% | -0.17 pp |
| NPL | 8.92% | 9.49% | -0.57 pp |
| Cost of funds | 7.34K | 7.71K | -4.8% |
| CD ratio | 118.73% | 120.98% | -2.25 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
SWBBL 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 | 6.74 Cr | 8.07 Cr | 12.02 Cr | 44.27 Cr | 5.79 Cr | 17.26 Cr | 32.27 Cr | 61.98 Cr |
| EPS | 18.60 | 9.75 | 9.68 | 26.72 | 13.98 | 19.73 | 24.59 | 35.41 |
| Net interest income | 40.08 Cr | 80.01 Cr | 1.25 Arb | 1.84 Arb | 54.12 Cr | 95.08 Cr | 1.41 Arb | 2.07 Arb |
| Revenue | 47.22 Cr | 94.39 Cr | 1.52 Arb | 2.20 Arb | 62.66 Cr | 1.12 Arb | 1.70 Arb | 2.44 Arb |
| Non-performing loans | 10.97% | 8.28% | 9.89% | 9.49% | 11.94% | 11.77% | 10.94% | 8.92% |