Guheswori Merchant Banking & Finance Ltd. · Quarterly report
GMFIL Q4 Financial Report — FY 2082/83
Guheswori Merchant Banking & Finance Ltd. (GMFIL) posted a year-to-date net profit of Rs 4.62 Cr at the end of Q4 FY 2082/83, up 65.1% from Rs 2.80 Cr a year earlier. Annualised EPS is Rs 4.56 against Rs 2.76 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 | 1.01 Arb | 1.01 Arb | +0.0% |
| Share Premium | 0 | 0 | — |
| Retained Earnings | 1.00 Cr | 1.43 Cr | -29.8% |
| Reserves | 57.25 Cr | 52.86 Cr | +8.3% |
| Total Equity | 1.59 Arb | 1.56 Arb | +2.6% |
| Total Assets | 10.03 Arb | 9.86 Arb | +1.7% |
| Deposits from Customers | 8.28 Arb | 8.04 Arb | +2.9% |
| Borrowings | 0 | 0 | — |
| Loans and Advances to BFIs | 14.43 Cr | 21.37 Cr | -32.5% |
| Loans and Advances to Customers | 5.09 Arb | 5.35 Arb | -5.0% |
| Investment Securities | 3.37 Arb | 2.45 Arb | +37.7% |
| Interest Income | 61.30 Cr | 74.87 Cr | -18.1% |
| Net Interest Income | 21.04 Cr | 17.31 Cr | +21.6% |
| Total Operating Income | 24.56 Cr | 24.05 Cr | +2.1% |
| Operating Profit | 6.72 Cr | 21.81 Cr | -69.2% |
| Net Profit | 4.62 Cr | 2.80 Cr | +65.1% |
| Distributable Profit | 1.00 Cr | 1.43 Cr | -29.8% |
| Number of Shares | 1.01 Cr | 1.01 Cr | +0.0% |
| EPS Reported | 4.56 | 2.76 | +65.2% |
| Book Value Reported | 157.55 | 153.63 | +2.6% |
| ROE Reported | 2.89% | 1.80% | +1.09 pp |
| CAR | 19.35% | 15.98% | +3.37 pp |
| NPL | 5.20% | 6.16% | -0.96 pp |
| Cost of funds | 4.04K | 6.15K | -34.3% |
| Credit To Deposit Ratio | 66.24% | 71.46% | -5.22 pp |
| Base Rate | 6.33% | 8.62% | -2.29 pp |
| Interest Spread Rate | 4.34% | 4.59% | -0.25 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
GMFIL 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 | -113,368,000 | -21,881,000 | 3.25 Cr | 2.80 Cr | -30,766,000 | 1.68 Cr | 4.56 Cr | 4.62 Cr |
| EPS | — | -4.32 | 4.28 | 2.76 | -12.16 | 3.33 | 6.00 | 4.56 |
| Net interest income | 4.10 Cr | 8.10 Cr | 13.99 Cr | 17.31 Cr | 5.04 Cr | 10.65 Cr | 17.51 Cr | 21.04 Cr |
| Revenue | 4.91 Cr | 9.62 Cr | 17.24 Cr | 24.05 Cr | 5.81 Cr | 12.12 Cr | 21.48 Cr | 24.56 Cr |
| Non-performing loans | 13.56% | 8.18% | 6.93% | 6.16% | 8.08% | 6.94% | 6.37% | 5.20% |