Deprosc Laghubitta Earns Rs. 20.22 Crore in Q1 FY 2082/83; Net Profit Surges 197.44%; Net Interest Income Rises 28.21%
Mon, Nov 10, 2025 10:26 AM on Financial Analysis, Highlight News, Company Analysis,
Deprosc Laghubitta Bittiya Sanstha Limited (DDBL) has published its financial report for the first quarter of FY 2082/83, revealing a remarkable 197.44% growth in net profit. The company recorded a net profit of Rs. 20.22 crore in the quarter, compared to Rs. 6.79 crore in the same period last fiscal year.
The surge in profitability was primarily driven by an improvement in the company’s core revenue. Net interest income increased by 28.21% to Rs. 53.35 crore, while impairment charges saw a significant decline of 95.81%, reflecting improved credit quality. Operating profit stood at Rs. 28.81 crore, a substantial rise from Rs. 9.71 crore in Q1 FY 2081/82.
Retained earnings grew by 25.16% to Rs. 75.90 crore, and total reserves rose by 5.50% to Rs. 150.55 crore. Deposits from customers increased by 3.42% to Rs. 11.39 Arba, while borrowings fell by 5.44% to Rs. 11.04 Arba. Loans and advances expanded modestly by 0.71% to Rs. 25.50 Arba.
The company’s capital adequacy ratio improved to 14.07%, up from 13.01% last year, while the cost of fund declined to 7.10% from 8.34%. Non-performing loans (NPL) stood at 8.73%, slightly lower than 9.01% in the corresponding period.
Earnings per share (EPS) climbed to Rs. 43.29, compared to Rs. 14.56 in the previous year’s first quarter. The net worth per share stood at Rs. 221.21, and the quarter-end price was recorded at Rs. 806 per share, resulting in a price-to-earnings (P/E) ratio of 18.62 times.
Major Financial Highlights:
* Figures are of the Immediate Previous Year Quarter Ending
| Particulars (In Rs '000) | Deprosc Laghubitta | ||
|---|---|---|---|
| Q1 2082/83 | Q1 2081/82 | Difference | |
| Paid Up Capital | 1,868,285.70 | 1,868,285.70* | 0.00% |
| Share Premium | 0.00 | 0.00 | - |
| Retained Earnings | 759,096.14 | 606,485.41* | 25.16% |
| Reserves | 1,505,544.08 | 1,427,024.71* | 5.50% |
| Borrowings | 11,047,632.83 | 11,683,369.69* | -5.44% |
| Deposits from Customers | 11,392,733.43 | 11,016,434.19* | 3.42% |
| Loans and Advances to Customers | 25,502,636.23 | 25,322,822.55* | 0.71% |
| Net Interest Income | 533,543.99 | 416,132.69 | 28.21% |
| Personnel Expenses | 217,202.51 | 178,449.19 | 21.72% |
| Impairment Charges | 5,551.03 | 132,473.21 | -95.81% |
| Operating Profit | 288,137.58 | 97,105.82 | 196.73% |
| Net Profit | 202,215.58 | 67,984.47 | 197.44% |
| Distributable Profit/ (Loss) after P/L Appropriation and Regulatory Adjustments | 759,096.14 | ||
| Capital Adequacy (%) | 14.07 | 13.01 | 8.15% |
| NPL (%) | 8.73 | 9.01 | -3.11% |
| Cost of Fund (%) | 7.10 | 8.34 | -14.87% |
| EPS (In Rs.) | 43.29 | 14.56 | 197.44% |
| Net Worth per Share (In Rs.) | 221.21 | 208.84 | 5.92% |
| Qtr end PE Ratio (times) | 18.62 | - | - |
| Qtr End Market Price | 806.00 | - | - |
