Machhapuchhre Bank Limited · Quarterly report
MBL Q4 Financial Report — FY 2082/83
Machhapuchhre Bank Limited (MBL) posted a year-to-date net profit of Rs 2.11 Arb at the end of Q4 FY 2082/83, up 5.1% from Rs 2.01 Arb a year earlier. Annualised EPS is Rs 14.01 against Rs 17.31 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 | 15.09 Arb | 11.62 Arb | +29.8% |
| Share Premium | 3.09 Cr | 3.09 Cr | +0.0% |
| Retained Earnings | 98.20 Cr | 1.07 Arb | -8.5% |
| Reserves | 7.44 Arb | 6.31 Arb | +17.9% |
| Total Equity | 23.54 Arb | 19.04 Arb | +23.6% |
| Total Assets | 256.39 Arb | 217.60 Arb | +17.8% |
| Deposits from Customers | 220.50 Arb | 184.18 Arb | +19.7% |
| Borrowings | 0 | 2.14 Arb | -100.0% |
| Loans and Advances to BFIs | 6.90 Arb | 5.81 Arb | +18.8% |
| Loans and Advances to Customers | 163.99 Arb | 141.64 Arb | +15.8% |
| Investment Securities | 51.40 Arb | 45.51 Arb | +12.9% |
| Interest Income | 13.72 Arb | 14.58 Arb | -5.9% |
| Net Interest Income | 6.07 Arb | 5.76 Arb | +5.5% |
| Total Operating Income | 8.31 Arb | 7.44 Arb | +11.7% |
| Operating Profit | 3.16 Arb | 3.33 Arb | -5.0% |
| Net Profit | 2.11 Arb | 2.01 Arb | +5.1% |
| Distributable Profit | 98.20 Cr | 1.07 Arb | -8.5% |
| Number of Shares | 15.09 Cr | 11.62 Cr | +29.8% |
| EPS Reported | 14.01 | 17.31 | -19.1% |
| Book Value Reported | 156.01 | 163.79 | -4.7% |
| ROE Reported | 8.98% | 10.57% | -1.59 pp |
| CAR | 13.21% | 13.32% | -0.11 pp |
| NPL | 3.98% | 3.83% | +0.15 pp |
| Cost of funds | 3.27K | 4.23K | -22.7% |
| Credit To Deposit Ratio | 78.45% | 80.62% | -2.17 pp |
| Base Rate | 5.04% | 6.30% | -1.26 pp |
| Interest Spread Rate | 3.48% | 3.79% | -0.31 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
MBL 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 | 50.33 Cr | 80.73 Cr | 1.10 Arb | 2.01 Arb | 41.80 Cr | 1.01 Arb | 1.66 Arb | 2.11 Arb |
| EPS | — | 13.89 | 12.65 | 17.31 | 13.83 | 16.73 | 14.66 | 14.01 |
| Net interest income | 1.48 Arb | 2.82 Arb | 4.25 Arb | 5.76 Arb | 1.46 Arb | 2.94 Arb | 4.40 Arb | 6.07 Arb |
| Revenue | 1.93 Arb | 3.70 Arb | 5.54 Arb | 7.44 Arb | 2.05 Arb | 4.03 Arb | 6.09 Arb | 8.31 Arb |
| Non-performing loans | 3.15% | 4.54% | 4.59% | 3.83% | 4.13% | 4.25% | 4.01% | 3.98% |