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:
Non-Performing Loan (NPL) Ratio: 2.06% (well within limits)
Capital Fund to RWA: 11.14%
Credit to Deposit and Borrowing Ratio: 82.14%
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:
The financials are unaudited and subject to change after external audits and regulatory adjustments.
The organization follows NRB guidelines and NFRS accounting principles.
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
