Aatmanirbhar Laghubitta Delivers Strong Q4 Performance with 39.56% Rise in Net Profit
Sun, Aug 2, 2026 1:46 PM on Financial Analysis, Highlight News, Company Analysis,
Aatmanirbhar Laghubitta Bittiya Sanstha Limited (ANLB) has released its unaudited financial statements for the fourth quarter of fiscal year 2082/83, reporting a solid improvement in profitability and overall financial performance.
The microfinance institution recorded a net profit of Rs. 6.23 crore, representing a 39.56% year-on-year increase from Rs. 4.47 crore in the corresponding quarter of the previous fiscal year. The growth in earnings was supported by higher net interest income and improved operational efficiency.
Net interest income increased by 13.19% to Rs. 15.36 crore, compared to Rs. 13.57 crore a year earlier. During the review period, customer deposits rose by 27.03% to Rs. 1.13 Arba, while loans and advances expanded by 21.32% to Rs. 1.88 Arba, reflecting continued growth in the institution's lending business.
On the funding side, borrowings changed to Rs. 9.97 crore, while interest expenses remained largely stable, edging down by 0.06% to Rs. 7.92 crore.
The company reported operating expenses of Rs. 1.61 crore, up 4.03% from the previous year. Meanwhile, impairment charges stood at Rs. 2.12 crore, compared to Rs. 4.72 crore in the same period last year, contributing to stronger profitability.
As a result, operating profit improved to Rs. 5.17 crore, up from Rs. 4.97 crore in the corresponding quarter of the previous fiscal year.
On the asset quality front, the non-performing loan (NPL) ratio declined to 10.78% from 12.80%, while the capital adequacy ratio stood at 15.73%, compared to 17.33% a year earlier. The cost of funds was reported at 8.45%.
On a per-share basis, earnings per share (EPS) increased to Rs. 69.71 from Rs. 57.07, while net worth per share eased by 5.83% to Rs. 103.28.
Major Highlights:
| Particulars (In Rs '000) | Aatmanirbhar Laghubitta | ||
| Q4 2082/83 | Q4 2081/82 | Difference | |
| Paid Up Capital | 89,507.20 | 78,343.28 | 14.25% |
| Reserves & Surplus | 234,850.93 | 223,139.01 | 5.25% |
| Borrowings | 150,000.00 | 99,723.72 | 50.42% |
| Deposits from Customers | 1,130,676.89 | 890,097.19 | 27.03% |
| Loans and Advances to Customers | 1,884,550.81 | 1,553,410.95 | 21.32% |
| Net Interest Income | 153,659.59 | 135,787.42 | 13.16% |
| Interest Expenses | 79,239.09 | 79,283.87 | -0.06% |
| Impairment Charges | 47,275.59 | 21,205.46 | 122.94% |
| Operating Profit | 51,771.28 | 49,765.83 | 4.03% |
| Net Profit | 62,399.53 | 44,711.90 | 39.56% |
| Capital Adequacy (%) | 15.73 | 17.33 | -9.23% |
| NPL (%) | 10.78 | 12.80 | |
| Cost of Fund (%) | 8.45 | 7.48 | 12.97% |
| EPS (In Rs.) | 69.71 | 57.07 | 22.15% |
| Net Worth per Share (In Rs.) | 362.38 | 384.82 | -5.83% |
| Qtr end PE Ratio (times) | 103.28 | - | - |
| Qtr End Market Price | 7200.00 | - | - |
