Aatmanirbhar Laghubitta Posts Over 218% Rise in Net Profit in Q4 FY 2081/82; Operating Profit Turns Positive
Fri, Aug 1, 2025 11:50 AM on Financial Analysis, Company Analysis, Latest,
Aatmanirbhar Laghubitta Bittiya Sanstha Limited (ANLB) has published its unaudited financial report for the fourth quarter of fiscal year 2081/82, reporting a notable improvement in its financial performance.
The microfinance institution posted a net profit of Rs. 4.47 crore, marking a significant 218.64% increase compared to Rs. 1.40 crore in the corresponding period of the previous fiscal year. This surge in profitability can be attributed primarily to a reversal in operating losses and a substantial reduction in impairment charges.
The company’s net interest income rose by 9.66%, reaching Rs. 13.57 crore from Rs. 12.38 crore in the previous year. During the review period, customer deposits grew by 13.77% to stand at Rs. 98 crore, while loans and advances to customers increased by 5.06% to reach Rs. 1.55 Arba.
On the liabilities side, borrowings declined sharply by 32.70%, from Rs. 14.82 crore to Rs. 9.97 crore, reflecting reduced dependency on external funds. Interest expenses increased by 8.94%, amounting to Rs. 7.93 crore.
The company incurred operating expenses of Rs. 1.61 crore, a rise of 45.02% year-on-year. However, impairment charges dropped significantly by 77.08%, from Rs. 17.65 crore to Rs. 4.04 crore, providing a strong boost to profitability. Similarly, the amount of loan loss write-back fell by 80.43% to Rs. 2.12 crore.
The turnaround in operational performance is evident from an operating profit of Rs. 4.98 crore, compared to a loss of Rs. 8.61 crore in the same quarter last fiscal year.
In terms of financial ratios, the company maintained a capital adequacy ratio of 17.33%, up from 16.45%. The non-performing loan (NPL) ratio improved slightly to 12.80%, from 13.22%. The cost of fund declined to 7.48%, from 7.70% in the previous year.
On a per-share basis, earnings per share (EPS) rose significantly to Rs. 57.07, up from Rs. 20.46. However, the net worth per share saw a marginal decline of 1.31%, standing at Rs. 384.82 as of Q4 2081/82.
Major Highlights:
| Particulars (In Rs '000) | Aatmanirbhar Laghubitta | ||
|---|---|---|---|
| Q4 2081/82 | Q4 2080/81 | Difference | |
| Paid Up Capital | 78,343.28 | 68,571.80 | 14.25% |
| Reserves & Surplus | 223,139.01 | 198,813.00 | 12.24% |
| Borrowings | 99,723.72 | 148,181.82 | -32.70% |
| Deposits from Customers | 980,097.19 | 861,502.44 | 13.77% |
| Loans and Advances to Customers | 1,553,410.95 | 1,478,651.51 | 5.06% |
| Interest Expenses ' | 79,283.87 | 72,777.06 | 8.94% |
| Net Interest Income | 135,787.42 | 123,829.25 | 9.66% |
| Operating Expenses | 16,087.98 | 11,093.69 | 45.02% |
| Impairment Charges | 40,449.50 | 176,451.19 | -77.08% |
| Write Back | 21,205.46 | 108,329.93 | -80.43% |
| Operating Profit | 49,765.83 | -86,056.64 | - |
| Net Profit | 44,711.90 | 14,032.18 | 218.64% |
| Capital Adequacy (%) | 17.33 | 16.45 | 5.35% |
| NPL (%) | 12.80 | 13.22 | -3.18% |
| Cost of Fund (%) | 7.48 | 7.70 | -2.86% |
| EPS (In Rs.) | 57.07 | 20.46 | 178.90% |
| Net Worth per Share (In Rs.) | 384.82 | 389.93 | -1.31% |
