Miteri Development Bank Limited · Quarterly report
MDB Q4 Financial Report — FY 2082/83
Miteri Development Bank Limited (MDB) posted a year-to-date net profit of Rs 14.12 Cr at the end of Q4 FY 2082/83, up 8.3% from Rs 13.04 Cr a year earlier. Annualised EPS is Rs 11.60 against Rs 10.71 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 | 1.22 Arb | 1.22 Arb | +0.0% |
| Share Premium | 0 | 0 | — |
| Retained Earnings | 15.49 Cr | 15.61 Cr | -0.8% |
| Reserves | 37.08 Cr | 34.42 Cr | +7.7% |
| Total Equity | 1.74 Arb | 1.72 Arb | +1.5% |
| Total Assets | 10.73 Arb | 8.31 Arb | +29.0% |
| Deposits from Customers | 8.85 Arb | 6.51 Arb | +36.1% |
| Borrowings | 0 | 0 | — |
| Loans and Advances to BFIs | 51.62 Cr | 65.30 Cr | -21.0% |
| Loans and Advances to Customers | 6.69 Arb | 5.18 Arb | +29.2% |
| Investment Securities | 1.07 Arb | 14.71 Cr | +630.6% |
| Interest Income | 67.42 Cr | 57.12 Cr | +18.0% |
| Net Interest Income | 30.74 Cr | 20.43 Cr | +50.5% |
| Total Operating Income | 35.09 Cr | 30.95 Cr | +13.4% |
| Operating Profit | 20.17 Cr | 18.63 Cr | +8.3% |
| Net Profit | 14.12 Cr | 13.04 Cr | +8.3% |
| Distributable Profit | 15.49 Cr | 15.61 Cr | -0.8% |
| Number of Shares | 1.22 Cr | 1.22 Cr | +0.0% |
| EPS Reported | 11.60 | 10.71 | +8.3% |
| Book Value Reported | 143.20 | 141.11 | +1.5% |
| ROE Reported | 8.10% | 7.59% | +0.51 pp |
| CAR | 25.79% | 31.54% | -5.75 pp |
| NPL | 0.26% | 0.28% | -0.02 pp |
| Cost of funds | 4.22K | 5.12K | -17.6% |
| Credit To Deposit Ratio | 81.39% | 89.62% | -8.23 pp |
| Base Rate | 5.98% | 7.36% | -1.38 pp |
| Interest Spread Rate | 4.37% | 4.60% | -0.23 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
MDB 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 | 73.62 L | 2.59 Cr | 9.25 Cr | 13.04 Cr | 2.52 Cr | 5.70 Cr | 9.62 Cr | 14.12 Cr |
| EPS | — | 4.25 | 10.13 | 10.71 | 8.29 | 9.37 | 10.54 | 11.60 |
| Net interest income | 4.12 Cr | 8.59 Cr | 13.26 Cr | 20.43 Cr | 7.30 Cr | 14.46 Cr | 22.16 Cr | 30.74 Cr |
| Revenue | 4.73 Cr | 9.68 Cr | 22.44 Cr | 30.95 Cr | 8.61 Cr | 17.02 Cr | 25.58 Cr | 35.09 Cr |
| Non-performing loans | 1.80% | 1.74% | 0.78% | 0.28% | 0.55% | 0.45% | 0.48% | 0.26% |