Support Laghubitta's Q4 Net Profit Soars 181% to Rs. 7.61 Crores, EPS Reaches Rs. 56.82
Fri, Aug 7, 2026 5:37 AM on Financial Analysis, Highlight News, Company Analysis,
Support Laghubitta Bittiya Sanstha Limited (SMB) has reported a strong financial performance in the fourth quarter of Fiscal Year 2082/83, posting a net profit of Rs. 7.61 crores, a remarkable 181.36% year-on-year increase from Rs. 2.70 crores recorded in the corresponding quarter of the previous fiscal year.
The company's financial position also strengthened, with reserves and surplus rising by 49.45% to Rs. 7.28 crores, while paid-up capital remained unchanged at Rs. 13.40 crores.
Support Laghubitta delivered solid operational growth during the review period. Operating profit surged by 134.25% to Rs. 10.19 crores, while net interest income increased by 35.55% year-on-year to Rs. 18.49 crores. Meanwhile, personnel expenses rose by a moderate 40.73% to Rs. 8.84 crores. The institution also reported negative impairment charges of Rs. 1.02 crores, which further supported its profitability.
On the balance sheet front, customer deposits grew by 29.50% to Rs. 59.77 crores, while loans and advances increased by 15.70% to Rs. 2.20 arba.
Asset quality improved significantly, with the non-performing loan (NPL) ratio declining to 2.16% from 5.76% a year earlier. At the same time, the cost of funds fell sharply by 6.12 percentage points to 6.99%, reflecting improved funding efficiency.
The institution's capital adequacy ratio strengthened to 10.92%, up from 9.11% in the previous year. Earnings per share (EPS) rose substantially to Rs. 56.82 from Rs. 22.11, while net worth per share increased by 25.60% to Rs. 205.13.
At the end of the quarter, Support Laghubitta's shares traded at Rs. 1,827, translating into a price-to-earnings (P/E) ratio of 32.15 times.
Major Financial Highlights:
| Particulars (In Rs '000) | Support Laghubitta Bittiya Sanstha Limited | ||
| Q4 2082/83 | Q4 2081/82 | Difference | |
| Paid Up Capital | 134,075.58 | 122,443.45 | 9.50% |
| Retained Earnings | 68,078.72 | 28,771.96 | 136.61% |
| Reserves | 72,870.04 | 48,759.71 | 49.45% |
| Borrowings | 0.00 | 0.00 | 0.00% |
| Deposits from Customers | 597,756.37 | 461,594.83 | 29.50% |
| Loans and Advances to Customers | 2,206,844.21 | 1,907,417.09 | 15.70% |
| Net Interest Income | 184,945.86 | 136,437.80 | 35.55% |
| Personnel Expenses | 88,430.22 | 62,836.35 | 40.73% |
| Impairment Charges | -10,259.92 | 27,557.66 | -137.23% |
| Operating Profit | 101,970.63 | 43,530.77 | 134.25% |
| Net Profit | 76,184.95 | 27,077.67 | 181.36% |
| Distributable Profit/ (Loss) after P/L Appropriation and Regulatory Adjustments | 68,078.72 | 0.00 | 0.00% |
| Capital Adequacy (%) | 10.92 | 9.11 | 19.87% |
| NPL (%) | 2.16 | 5.76 | |
| Cost of Fund (%) | 6.12 | 6.99 | -12.45% |
| EPS (In Rs.) | 56.82 | 22.11 | 156.95% |
| Net Worth per Share (In Rs.) | 205.13 | 163.32 | 25.60% |
| Qtr end PE Ratio (times) | 32.15 | - | - |
| Qtr End Market Price | 1827.00 | - | - |
