Kamal Samata Gharelu Laghubitta Bittiya Sanstha Limited has published its unaudited financial statement for the fourth quarter of the fiscal year 2081/82 (ended 32nd Ashadh, 2082). The microfinance institution has shown solid financial growth during the review period.
Key Financial Highlights:
| Particulars | Q4 2082 |
|---|---|
| Net Profit | Rs. 58.84 million |
| Net Interest Income | Rs. 129.24 million |
| Total Operating Income | Rs. 144.59 million |
| Operating Profit | Rs. 111.70 million |
| Earnings Per Share (EPS) (Annualized) | Rs. 13.51 |
| Net Worth Per Share | Rs. 130.41 |
| Total Assets | Rs. 5.99 billion |
| Total Deposits | Rs. 3.37 billion |
| Loans and Advances | Rs. 5.49 billion |
Dividend Distribution & Profit Allocation:
Samata Gharelu Laghubitta has proposed to distribute profit for the fiscal year after making the following allocations:
| Distribution Detail | Amount (Rs. in ‘000) |
|---|---|
| Net Profit (Before Regulatory Adjustment) | 84,949.00 |
| General Reserve | 16,999.82 |
| Capital Redemption Fund | 1,698.98 |
| CSR Fund, Employee Training, etc. | Small portions allocated |
| Profit Available for Distribution | 65,875.83 |
| Bonus Shares Proposed | 25,984.81 |
| Cash Dividend Proposed | 4,342.34 |
| Total Distributable Profit | 68,060.47 |
Note: The proposal is subject to regulatory approval and adjustments.
Risk & Compliance:
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Non-Performing Loan (NPL) Ratio: 2.06% (well within limits)
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Capital Fund to RWA: 11.14%
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Credit to Deposit and Borrowing Ratio: 82.14%
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The financials are in line with Nepal Financial Reporting Standards (NFRS) and NRB directives.
Summary of Financial Position (Q4 2082):
| Assets | Amount (Rs. in ‘000) |
|---|---|
| Cash & Bank Balance | 306,878.65 |
| Loans & Advances | 5,496,406.08 |
| Investment Securities | 5,000.00 |
| Property & Equipment | 49,660.27 |
| Total Assets | 5,995,483.82 |
| Liabilities & Equity | Amount (Rs. in ‘000) |
|---|---|
| Borrowings & Deposits | 5,134,905.70 |
| Total Equity | 850,578.12 |
| Total Liabilities & Equity | 5,995,483.82 |
Key Notes:
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The financials are unaudited and subject to change after external audits and regulatory adjustments.
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The organization follows NRB guidelines and NFRS accounting principles.
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Staff bonuses and dividend distribution will follow official approvals and legal processes.
Final Thoughts:
Samata Gharelu Laghubitta Bittiya Sanstha Limited has shown consistent performance this quarter, with a stable profit, strong deposit base, and increasing lending portfolio. The proposed bonus and cash dividends indicate the institution’s healthy financial position and commitment to shareholders.
Notice: Samata Gharelu Laghubitta Reports Net Profit of Rs. 58.84 Million in Q4 2082
