Hamro Bikas Bank Limited (HAMRO) has posted a meager rise in its net profit by 3.03% in the second quarter of the current fiscal year 2074/75.
As per the unaudited report published today, the single district development bank has stated that its net profit has risen to Rs 2.21 crore in Q2 of the fiscal year 2074/75 from Rs 2.15 crore in the corresponding quarter of the previous fiscal year 2073/74. Its operating profit has also shown a slight incline by 12.70% to Rs 3.48 crore.
However, its provision for possible losses has risen by massive 50% to Rs 85.67 lakh in comparison to the corresponding quarter of FY 2073-74.
Its deposit collection reached to Rs 1.29 arba where the bank floated loans of Rs 1.40 arba.
It has a paid up capital of Rs 45.87 crore with Rs 10.36 crore in reserve.
Its NPL stands at 0.97% which is a slight increament from previous year’s 0.62%
Its Earning per Share (EPS) stands at Rs 9.66 where net worth per share stands at Rs 122.59.
Major Highlights:
| Particulars (In Rs '000) |
HAMRO |
| Q2 2074/75 |
Q2 2073/74 |
Difference |
| Paid Up Capital |
458,751 |
152,917 |
200.00% |
| Reserve & Surplus |
103,653 |
38,883 |
166.58% |
| Deposits |
1,292,225 |
1,172,126 |
10.25% |
| Borrowings |
- |
- |
0.00% |
| Loans & Advances |
1,408,966 |
1,016,565 |
38.60% |
| Net Interest Income |
48,800 |
41,406 |
17.86% |
| Provision for possible losses |
8,567 |
5,701 |
50.28% |
| Operating Profit |
34,819 |
30,894 |
12.70% |
| Net Profit |
22,158 |
21,506 |
3.03% |
| NPL (%) |
0.97 |
0.62 |
56.45% |
| Annualized EPS (In Rs.) |
9.66 |
28.13 |
-65.66% |
| Net Worth per Share (In Rs.) |
122.59 |
125.43 |
-2.26% |
Likewise,
Excel Development Bank Limited (EDBL) has stated slight increament in net profit by 1.71% in the second quarter of the current fiscal year 2074/75.
As per the unaudited report published today, the development bank has stated that its net profit increased to Rs 7.51 crore in Q2 of the current fiscal year from Rs 7.38 crore in the corresponding quarter of the previous fiscal year 2073/74.
Its deposit collection reached to Rs 4.48 arba where the bank floated loans of Rs 4.04 arba.
It has paid up capital of Rs 69.26 crore with Rs 18.68 crore in reserve. Rs 8.24 arba.
It has reduced its NPL to 0.86% from 1.03% of the corresponding quarter of previous FY.
Its Earning per Share (EPS) has drastically diminished by 54.83% to Rs 21.69 from Rs 48.01 of the corresponding quarter of previous FY. Its net worth per share stands at Rs 126.97 while its P E Ratio is at 17.75 times.
Major Highlights:
| Particulars (In Rs '000) |
EDBL |
| Q2 2074/75 |
Q2 2073/74 |
Difference |
| Paid Up Capital |
692,674 |
307,650 |
125.15% |
| Reserve & Surplus |
186,832 |
231,454 |
-19.28% |
| Deposits |
4,482,971 |
4,057,201 |
10.49% |
| Borrowings |
- |
845,000 |
-100.00% |
| Loans & Advances |
4,048,660 |
3,593,191 |
12.68% |
| Net Interest Income |
151,018 |
148,664 |
1.58% |
| Provision for possible losses |
11,923 |
20,812 |
-42.71% |
| Operating Profit |
99,427 |
102,809 |
-3.29% |
| Net Profit |
75,120 |
73,858 |
1.71% |
| NPL (%) |
0.86 |
1.03 |
-16.50% |
| Annualized EPS (In Rs.) |
21.69 |
48.01 |
-54.83% |
| Net Worth per Share (In Rs.) |
126.97 |
175.23 |
-27.54% |
| P/E Ratio |
17.75 |
|
|
Similarly,
Kankai Bikas Bank Limited (KNBL) has shown diminish in its net profit by 17.34% in the second quarter of the current fiscal year 2074/75.
As per the unaudited report published today, the development bank has stated that its net profit diminished to Rs 1.91 crore in Q2 of the current fiscal year from Rs 2.32 crore in the corresponding quarter of the previous fiscal year.
Its provision for possible losses has risen extraordinarily to Rs 1.31 crore which is an increament by 545%.
Its deposit collection reached to Rs 1.53 arba where the bank floated loans of Rs 1.38 arba.
It has paid up capital of Rs 47.10 crore with Rs 9.37 crore in reserve.
Its NPL stands at 0.79%.
Its Earning per Share (EPS) stands at Rs 8.15 where net worth per share stands at Rs 119.90. It has P/E ratio of 40.73 times.
Major Highlights:
| Particulars (In Rs '000) |
KNBL |
| Q2 2074/75 |
Q2 2073/74 |
Difference |
| Paid Up Capital |
471,000 |
150,000 |
214.00% |
| Reserve & Surplus |
93,719 |
46,121 |
103.20% |
| Deposits |
1,532,461 |
1,371,535 |
11.73% |
| Borrowings |
- |
300,000 |
-100.00% |
| Loans & Advances |
1,381,161 |
1,169,181 |
18.13% |
| Net Interest Income |
58,552 |
53,360 |
9.73% |
| Provision for possible losses |
13,148 |
2,038 |
545.14% |
| Operating Profit |
21,542 |
36,507 |
-40.99% |
| Net Profit |
19,196 |
23,223 |
-17.34% |
| NPL (%) |
0.79 |
0.41 |
92.68% |
| Annualized EPS (In Rs.) |
8.15 |
30.96 |
-73.68% |
| Net Worth per Share (In Rs.) |
119.90 |
130.75 |
-8.30% |
| P/E Ratio |
40.73 |
|
|
Likewise,
Sahara Bikas Bank Limited (SHBL) has posted a slight rise in its net profit by 31.10% in the second quarter of the current fiscal year 2074/75.
As per the unaudited report published today, the single district development bank has stated that its net profit has risen to Rs 54.33 lakh in Q2 of the fiscal year 2074/75 from Rs 41.44 lakh in the corresponding quarter of the previous fiscal year 2073/74. It’s operating profit has also shown a slight incline by 31.10% to Rs 85.37 lakh.
However, its provision for possible losses has risen by 38.63% to Rs 35.01 lakh in comparison to the corresponding quarter of FY 2073-74.
Its deposit collection reached to Rs 41.49 crore where the bank floated loans of Rs 39.60 crore.
It has a paid up capital of Rs 7.29 crore with Rs 5.15 crore in reserve.
Its NPL stands at 2.61% which is a massive improvement from previous year’s 5.37%
Its Earning per Share (EPS) stands at Rs 14.89 where net worth per share stands at Rs 170.58. it has P/E ratio of 30.9 times.
Major Highlights:
| Particulars (In Rs '000) |
SHBL |
| Q2 2074/75 |
Q2 2073/74 |
Difference |
| Paid Up Capital |
72,995 |
67,260 |
8.53% |
| Reserve & Surplus |
51,521 |
35,585 |
44.78% |
| Deposits |
414,975 |
499,494 |
-16.92% |
| Borrowings |
- |
- |
- |
| Loans & Advances |
396,040 |
364,666 |
8.60% |
| Net Interest Income |
16,598 |
11,612 |
42.94% |
| Provision for possible losses |
3,501 |
5,705 |
-38.63% |
| Operating Profit |
8,537 |
6,512 |
31.10% |
| Net Profit |
5,433 |
4,144 |
31.10% |
| NPL (%) |
2.61 |
5.37 |
-51.40% |
| Annualized EPS (In Rs.) |
14.89 |
12.32 |
20.80% |
| Net Worth per Share (In Rs.) |
170.58 |
152.91 |
11.56% |
| P/E Ratio |
30.9 |
|
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