First Micro Finance Laghubitta Bittiya Sanstha Limited · Quarterly report
FMDBL Q4 Financial Report — FY 2082/83
First Micro Finance Laghubitta Bittiya Sanstha Limited (FMDBL) posted a year-to-date net profit of Rs 19.07 Cr at the end of Q4 FY 2082/83, up 44.8% from Rs 13.17 Cr a year earlier. Annualised EPS is Rs 14.18 against Rs 9.79 in Q4 FY 2081/82.
Q4 FY 2082/83 vs Q4 FY 2081/82
| Metric | Q4 2082/83 | Q4 2081/82 | Change |
|---|---|---|---|
| Paid Up Capital | 1.34 Arb | 1.34 Arb | +0.0% |
| Reserve and Surplus | 50.10 Cr | 42.03 Cr | +19.2% |
| Total Equity | 1.85 Arb | 1.77 Arb | +4.6% |
| Total Assets | 5.69 Arb | 6.76 Arb | -15.8% |
| Deposits from Customers | 0 | 0 | — |
| Borrowings | 3.76 Arb | 4.91 Arb | -23.4% |
| Loans and Advances to BFIs | 0 | 6.09 Arb | -100.0% |
| Loans and Advances to Customers | 2.51 Cr | 2.82 Cr | -11.0% |
| Investments | 3.33 Cr | 0 | — |
| Interest Income | 40.47 Cr | 55.05 Cr | -26.5% |
| Net Interest Income | 22.75 Cr | 21.18 Cr | +7.4% |
| Total Operating Income | 22.94 Cr | 21.69 Cr | +5.7% |
| Operating Profit | 27.28 Cr | 19.09 Cr | +42.9% |
| Net Profit | 19.07 Cr | 13.17 Cr | +44.8% |
| Number of Shares | 1.34 Cr | 1.34 Cr | +0.0% |
| EPS Reported | 14.18 | 9.79 | +44.8% |
| Book Value Reported | 137.26 | 131.25 | +4.6% |
| ROE Reported | 10.33% | 7.46% | +2.87 pp |
| CAR | 35.43% | 26.85% | +8.58 pp |
| NPL | 2.88% | 3.84% | -0.96 pp |
| Cost of funds | 4.75K | 6.22K | -23.6% |
| CD ratio | 123.87% | 124.06% | -0.19 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
FMDBL last 8 quarters
| Metric | Q1 2081/82 | Q2 2081/82 | Q3 2081/82 | Q4 2081/82 | Q1 2082/83 | Q2 2082/83 | Q3 2082/83 | Q4 2082/83 |
|---|---|---|---|---|---|---|---|---|
| Net profit | 3.11 Cr | 5.23 Cr | 7.06 Cr | 13.17 Cr | 1.68 Cr | 7.04 Cr | 11.37 Cr | 19.07 Cr |
| EPS | — | 7.78 | 7.00 | 9.79 | 5.01 | 10.47 | 11.27 | 14.18 |
| Net interest income | 6.01 Cr | 11.14 Cr | 15.70 Cr | 21.18 Cr | 4.48 Cr | 9.75 Cr | 16.86 Cr | 22.75 Cr |
| Revenue | 6.00 Cr | 11.33 Cr | 16.14 Cr | 21.69 Cr | 4.42 Cr | 9.77 Cr | 16.91 Cr | 22.94 Cr |
| Non-performing loans | 4.44% | 4.44% | 4.78% | 3.84% | 4.24% | 4.52% | 4.36% | 2.88% |