Upakar Laghubitta Bittiya Sanstha Limited · Quarterly report
ULBSL Q4 Financial Report — FY 2082/83
Upakar Laghubitta Bittiya Sanstha Limited (ULBSL) posted a year-to-date net profit of Rs 5.62 Cr at the end of Q4 FY 2082/83, up 64.1% from Rs 3.42 Cr a year earlier. Annualised EPS is Rs 52.93 against Rs 32.26 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 | 10.61 Cr | 10.61 Cr | +0.0% |
| Reserve and Surplus | 21.82 Cr | 13.08 Cr | +66.8% |
| Total Equity | 32.43 Cr | 23.69 Cr | +36.9% |
| Total Assets | 2.88 Arb | 3.00 Arb | -3.8% |
| Deposits from Customers | 1.64 Arb | 1.40 Arb | +17.0% |
| Borrowings | 67.80 Cr | 92.36 Cr | -26.6% |
| Loans and Advances to BFIs | 0 | 0 | — |
| Loans and Advances to Customers | 2.30 Arb | 2.46 Arb | -6.3% |
| Investments | 0 | 0 | — |
| Interest Income | 37.91 Cr | 32.48 Cr | +16.7% |
| Net Interest Income | 21.54 Cr | 15.54 Cr | +38.6% |
| Total Operating Income | 24.51 Cr | 17.94 Cr | +36.6% |
| Operating Profit | 8.03 Cr | 4.66 Cr | +72.3% |
| Net Profit | 5.62 Cr | 3.42 Cr | +64.1% |
| Number of Shares | 10.61 L | 10.61 L | +0.0% |
| EPS Reported | 52.93 | 32.26 | +64.1% |
| Book Value Reported | 305.54 | 223.22 | +36.9% |
| ROE Reported | 17.32% | 14.45% | +2.87 pp |
| CAR | 8.23% | 9.30% | -1.07 pp |
| NPL | 9.97% | 4.85% | +5.12 pp |
| Cost of funds | 6.72K | 6.93K | -3.0% |
| CD ratio | 140.32% | 175.25% | -34.93 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
ULBSL 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 | 27.79 L | 1.68 Cr | 2.24 Cr | 3.42 Cr | 77.27 L | 1.44 Cr | 3.07 Cr | 5.62 Cr |
| EPS | — | 31.72 | 28.11 | 32.26 | 29.12 | 27.06 | 38.50 | 52.93 |
| Net interest income | 2.60 Cr | 7.05 Cr | 10.69 Cr | 15.54 Cr | 4.28 Cr | 9.02 Cr | 15.15 Cr | 21.54 Cr |
| Revenue | 3.13 Cr | 8.21 Cr | 12.49 Cr | 17.94 Cr | 5.06 Cr | 10.52 Cr | 17.60 Cr | 24.51 Cr |
| Non-performing loans | 1.25% | 4.12% | 4.94% | 4.85% | 5.45% | 6.19% | 10.74% | 9.97% |