Unique Nepal Laghubitta Bittiya Sanstha Limited · Quarterly report
UNLB Q4 Financial Report — FY 2082/83
Unique Nepal Laghubitta Bittiya Sanstha Limited (UNLB) posted a year-to-date net profit of Rs 5.11 Cr at the end of Q4 FY 2082/83, up 26.1% from Rs 4.05 Cr a year earlier. Annualised EPS is Rs 34.39 against Rs 27.28 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 | 14.86 Cr | 14.86 Cr | +0.0% |
| Reserve and Surplus | 21.93 Cr | 25.25 Cr | -13.2% |
| Total Equity | 36.79 Cr | 40.11 Cr | -8.3% |
| Total Assets | 3.87 Arb | 3.77 Arb | +2.6% |
| Deposits from Customers | 2.90 Arb | 2.66 Arb | +8.7% |
| Borrowings | 0 | 3.00 Cr | -100.0% |
| Loans and Advances to BFIs | 0 | 0 | — |
| Loans and Advances to Customers | 3.33 Arb | 3.16 Arb | +5.1% |
| Investments | 0 | 0 | — |
| Interest Income | 51.07 Cr | 47.06 Cr | +8.5% |
| Net Interest Income | 26.14 Cr | 22.51 Cr | +16.1% |
| Total Operating Income | 31.57 Cr | 27.84 Cr | +13.4% |
| Operating Profit | 6.48 Cr | 5.17 Cr | +25.4% |
| Net Profit | 5.11 Cr | 4.05 Cr | +26.1% |
| Number of Shares | 14.86 L | 14.86 L | +0.0% |
| EPS Reported | 34.39 | 27.28 | +26.1% |
| Book Value Reported | 247.59 | 269.94 | -8.3% |
| ROE Reported | 13.89% | 10.11% | +3.78 pp |
| CAR | 6.76% | 8.80% | -2.04 pp |
| NPL | 19.43% | 12.21% | +7.22 pp |
| Cost of funds | 8.36K | 8.52K | -1.9% |
| CD ratio | 141.14% | 142.17% | -1.03 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
UNLB 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 | 79.78 L | 2.74 Cr | 3.35 Cr | 4.05 Cr | 1.86 Cr | 4.63 Cr | 1.35 Cr | 5.11 Cr |
| EPS | — | 36.90 | 30.08 | 27.28 | 50.07 | 62.31 | 12.15 | 34.39 |
| Net interest income | 6.16 Cr | 11.29 Cr | 17.28 Cr | 22.51 Cr | 7.29 Cr | 13.15 Cr | 19.15 Cr | 26.14 Cr |
| Revenue | 7.23 Cr | 13.58 Cr | 20.79 Cr | 27.84 Cr | 8.45 Cr | 15.74 Cr | 23.13 Cr | 31.57 Cr |
| Non-performing loans | 15.79% | 16.00% | 15.52% | 12.21% | 12.67% | 18.38% | 19.53% | 19.43% |