Suryodaya Womi Laghubitta Bittiya Sanstha Limited · Quarterly report
SWMF Q4 Financial Report — FY 2082/83
Suryodaya Womi Laghubitta Bittiya Sanstha Limited (SWMF) posted a year-to-date net profit of Rs 21.78 Cr at the end of Q4 FY 2082/83, up 57.6% from Rs 13.82 Cr a year earlier. Annualised EPS is Rs 19.69 against Rs 12.50 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 | 1.11 Arb | 1.11 Arb | +0.0% |
| Reserve and Surplus | 61.13 Cr | 50.06 Cr | +22.1% |
| Total Equity | 1.72 Arb | 1.61 Arb | +6.9% |
| Total Assets | 13.21 Arb | 12.63 Arb | +4.6% |
| Deposits from Customers | 6.57 Arb | 5.53 Arb | +18.9% |
| Borrowings | 4.55 Arb | 5.19 Arb | -12.2% |
| Loans and Advances to BFIs | 0 | 0 | — |
| Loans and Advances to Customers | 12.43 Arb | 11.92 Arb | +4.3% |
| Investments | 27.00 L | 27.00 L | +0.0% |
| Interest Income | 1.75 Arb | 1.56 Arb | +11.6% |
| Net Interest Income | 1.01 Arb | 81.43 Cr | +24.2% |
| Total Operating Income | 1.14 Arb | 93.31 Cr | +22.5% |
| Operating Profit | 35.38 Cr | 19.75 Cr | +79.2% |
| Net Profit | 21.78 Cr | 13.82 Cr | +57.6% |
| Number of Shares | 1.11 Cr | 1.11 Cr | +0.0% |
| EPS Reported | 19.69 | 12.50 | +57.5% |
| Book Value Reported | 155.26 | 145.25 | +6.9% |
| ROE Reported | 12.68% | 8.60% | +4.08 pp |
| CAR | 11.51% | 12.24% | -0.73 pp |
| NPL | 12.58% | 4.70% | +7.88 pp |
| Cost of funds | 6.94K | 7.82K | -11.3% |
| CD ratio | 116.11% | 111.28% | +4.83 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
SWMF 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 | -47,183,810 | 3.75 Cr | 7.87 Cr | 13.82 Cr | 6.25 Cr | 11.71 Cr | 18.94 Cr | 21.78 Cr |
| EPS | — | 6.78 | 9.48 | 12.50 | 22.58 | 21.18 | 22.82 | 19.69 |
| Net interest income | 8.71 Cr | 30.40 Cr | 48.59 Cr | 81.43 Cr | 20.75 Cr | 43.04 Cr | 66.05 Cr | 1.01 Arb |
| Revenue | 11.51 Cr | 36.69 Cr | 58.59 Cr | 93.31 Cr | 23.87 Cr | 49.77 Cr | 76.54 Cr | 1.14 Arb |
| Non-performing loans | 6.30% | 5.44% | 5.26% | 4.70% | 5.64% | 12.86% | 17.90% | 12.58% |