Vijaya laghubitta Bittiya Sanstha Ltd. · Quarterly report
VLBS Q4 Financial Report — FY 2082/83
Vijaya laghubitta Bittiya Sanstha Ltd. (VLBS) posted a year-to-date net profit of Rs 19.62 Cr at the end of Q4 FY 2082/83, up 102.7% from Rs 9.68 Cr a year earlier. Annualised EPS is Rs 24.78 against Rs 12.99 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 | 79.17 Cr | 74.50 Cr | +6.3% |
| Reserve and Surplus | 58.45 Cr | 48.89 Cr | +19.5% |
| Total Equity | 1.38 Arb | 1.23 Arb | +11.5% |
| Total Assets | 11.77 Arb | 10.99 Arb | +7.1% |
| Deposits from Customers | 2.33 Arb | 2.08 Arb | +12.2% |
| Borrowings | 0 | 0 | — |
| Loans and Advances to BFIs | 0 | 0 | — |
| Loans and Advances to Customers | 10.24 Arb | 9.60 Arb | +6.7% |
| Investments | 10.00K | 10.00K | +0.0% |
| Interest Income | 1.35 Arb | 1.34 Arb | +1.0% |
| Net Interest Income | 74.25 Cr | 63.42 Cr | +17.1% |
| Total Operating Income | 81.98 Cr | 70.62 Cr | +16.1% |
| Operating Profit | 32.86 Cr | 15.62 Cr | +110.4% |
| Net Profit | 19.62 Cr | 9.68 Cr | +102.7% |
| Number of Shares | 79.17 L | 74.50 L | +6.3% |
| EPS Reported | 24.78 | 12.99 | +90.8% |
| Book Value Reported | 173.82 | 165.62 | +5.0% |
| ROE Reported | 14.25% | 7.84% | +6.41 pp |
| CAR | 8.89% | 10.71% | -1.82 pp |
| NPL | 17.37% | 9.60% | +7.77 pp |
| Cost of funds | 6.30K | 7.34K | -14.2% |
| CD ratio | 108.06% | 105.05% | +3.01 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
VLBS 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 | -34,559,390 | 7.05 Cr | 7.81 Cr | 9.68 Cr | 3.20 Cr | -1,673,480 | -26,796,150 | 19.62 Cr |
| EPS | — | 18.91 | 13.97 | 12.99 | 17.19 | -0.45 | -4.51 | 24.78 |
| Net interest income | 9.70 Cr | 27.43 Cr | 44.01 Cr | 63.42 Cr | 17.40 Cr | 21.93 Cr | 32.07 Cr | 74.25 Cr |
| Revenue | 10.91 Cr | 30.14 Cr | 48.48 Cr | 70.62 Cr | 19.07 Cr | 25.35 Cr | 37.65 Cr | 81.98 Cr |
| Non-performing loans | 9.57% | 8.35% | 9.53% | 9.60% | 13.60% | 19.37% | 18.95% | 17.37% |