Unnati Sahakarya Laghubitta Bittiya Sanstha Limited · Quarterly report
USLB Q4 Financial Report — FY 2082/83
Unnati Sahakarya Laghubitta Bittiya Sanstha Limited (USLB) posted a year-to-date net profit of Rs 6.92 Cr at the end of Q4 FY 2082/83, up 31.9% from Rs 5.24 Cr a year earlier. Annualised EPS is Rs 28.02 against Rs 21.24 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 | 24.69 Cr | 24.69 Cr | +0.0% |
| Reserve and Surplus | 19.47 Cr | 11.90 Cr | +63.6% |
| Total Equity | 44.16 Cr | 36.59 Cr | +20.7% |
| Total Assets | 4.41 Arb | 4.05 Arb | +8.9% |
| Deposits from Customers | 1.36 Arb | 1.21 Arb | +12.8% |
| Borrowings | 2.34 Arb | 2.35 Arb | -0.8% |
| Loans and Advances to BFIs | 0 | 0 | — |
| Loans and Advances to Customers | 3.90 Arb | 3.76 Arb | +3.7% |
| Investments | 5.98 L | 10.00 L | -40.2% |
| Interest Income | 54.67 Cr | 54.28 Cr | +0.7% |
| Net Interest Income | 31.14 Cr | 27.04 Cr | +15.1% |
| Total Operating Income | 34.92 Cr | 31.37 Cr | +11.3% |
| Operating Profit | 10.38 Cr | 7.49 Cr | +38.5% |
| Net Profit | 6.92 Cr | 5.24 Cr | +31.9% |
| Number of Shares | 24.69 L | 24.69 L | +0.0% |
| EPS Reported | 28.02 | 21.24 | +31.9% |
| Book Value Reported | 178.87 | 148.21 | +20.7% |
| ROE Reported | 15.66% | 14.33% | +1.33 pp |
| CAR | 9.28% | 8.37% | +0.91 pp |
| NPL | 9.39% | 4.73% | +4.66 pp |
| Cost of funds | 6.75K | 7.73K | -12.7% |
| CD ratio | 105.38% | 105.56% | -0.18 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
USLB 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 | 22.99 L | 63.83 L | 3.79 Cr | 5.24 Cr | 42.87 L | 2.10 Cr | 4.43 Cr | 6.92 Cr |
| EPS | — | 5.17 | 20.49 | 21.24 | 6.95 | 17.04 | 23.94 | 28.02 |
| Net interest income | 5.34 Cr | 11.73 Cr | 18.94 Cr | 27.04 Cr | 6.64 Cr | 13.88 Cr | 22.18 Cr | 31.14 Cr |
| Revenue | 6.10 Cr | 13.43 Cr | 21.61 Cr | 31.37 Cr | 7.33 Cr | 15.36 Cr | 24.60 Cr | 34.92 Cr |
| Non-performing loans | 7.03% | 4.83% | 5.66% | 4.73% | 9.57% | 9.86% | 11.12% | 9.39% |