Deprosc Laghubitta Earns Rs. 98.94 Crore Net Profit in Q4; EPS at Rs. 48.15, Net Interest Income Up 15.46%
Wed, Aug 12, 2026 12:06 PM on Latest, Financial Analysis, Company Analysis,
Deprosc Laghubitta Bittiya Sanstha Limited (DDBL) has released its unaudited financial results for the fourth quarter of FY 2082/83, posting a 71.52% year-on-year increase in net profit. The microfinance institution earned Rs. 98.94 Crore, compared to Rs. 57.68 Crore in the corresponding period last year. The rise in profit was mainly supported by growth in net interest income and a decline in the cost of funds.
DDBL’s net interest income increased 15.46% year-on-year to Rs. 1.18 Arba, while operating profit climbed 57.41% to Rs. 1.43 Arba from Rs. 91.38 Crore a year earlier.
The improvement in profitability also lifted the institution’s earnings per share (EPS) to Rs. 48.15, compared to Rs. 30.88 in the corresponding quarter of the previous fiscal year.
On the balance sheet, loans and advances increased 8.37% to Rs. 27.28 Arba, while customer deposits grew 17.75% to Rs. 12.97 Arba.
Retained earnings also improved significantly, reaching Rs. 1.08 Arba, compared to Rs. 59.98 Crore in the previous fiscal year. Similarly, reserves increased 14.74% to Rs. 1.52 Arba.
Despite the strong growth in earnings, DDBL witnessed deterioration in asset quality. The NPL ratio increased to 11.30% from 6.49%, indicating a significant rise in non-performing loans.
Impairment charges also declined 152.26%, reflecting changes in provisioning during the period. Meanwhile, the Capital Adequacy Ratio (CAR) decreased to 12.50% from 14.96%, indicating a weaker capital buffer that could remain an area of investor attention.
The institution’s cost of funds declined 11.84% to 6.85% from 7.77%, helping support its interest margins.
Net worth per share increased 11.71% to Rs. 226.87. Based on the quarter-end market price of Rs. 850, DDBL’s price-to-earnings (P/E) ratio stood at 17.65 times.
Major Highlights:
| Particulars (In Rs '000) | Deprosc Laghubitta Bittiya Sanstha Limited | ||
| Q4 2082/83 | Q4 2081/82 | Difference | |
| Paid Up Capital | 2,055,114.27 | 1,868,285.70 | 10.00% |
| Share Premium | 0.00 | 0.00 | 0.00% |
| Retained Earnings | 1,085,771.72 | 599,824.29 | 81.01% |
| Reserves | 1,521,472.67 | 1,325,969.70 | 14.74% |
| Deposits | 12,972,269.16 | 11,016,415.19 | 17.75% |
| Borrowings | 11,570,855.68 | 11,683,369.69 | -0.96% |
| Loans and Advances | 27,282,218.22 | 25,174,234.21 | 8.37% |
| Net Interest Income | 2,185,676.22 | 1,893,001.79 | 15.46% |
| Personal Expenses | -797,655.83 | -710,742.58 | 12.23% |
| Impairment Charges/(Reversal) for loans and advances | 102,461.99 | -196,047.64 | -152.26% |
| Operating Profit | 1,438,448.46 | 913,821.92 | 57.41% |
| Net Profit | 989,443.90 | 576,861.80 | 71.52% |
| Distributable Profit/(loss) after P/L Appropriation and Regulatory Adjustments | 1,085,771.72 | 599,824.29 | 81.01% |
| Capital Adequancy(%) | 14.96 | 12.50 | 19.68% |
| Non-Performing Loan | 6.49 | 11.30 | -42.57% |
| Cost of Fund | 6.85 | 7.77 | -11.84% |
| EPS (In Rs.) | 48.15 | 30.88 | 55.93% |
| Net Worth per Share (In Rs.) | 226.87 | 203.08 | 11.71% |
| Qtr end PE Ratio (times) | 17.65 | - | 1.00% |
| Qtr End Market Price | 850 | - | - |
