Meromicrofinance Laghubitta Bittiya Sanstha Ltd. · Quarterly report
MERO Q4 Financial Report — FY 2082/83
Meromicrofinance Laghubitta Bittiya Sanstha Ltd. (MERO) posted a year-to-date net profit of Rs 12.59 Cr at the end of Q4 FY 2082/83, down 41.8% from Rs 21.61 Cr a year earlier. Annualised EPS is Rs 8.47 against Rs 15.23 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 | 1.49 Arb | 1.42 Arb | +4.8% |
| Reserve and Surplus | 74.12 Cr | 82.46 Cr | -10.1% |
| Total Equity | 2.23 Arb | 2.24 Arb | -0.7% |
| Total Assets | 20.71 Arb | 15.52 Arb | +33.5% |
| Deposits from Customers | 4.64 Arb | 3.98 Arb | +16.5% |
| Borrowings | 12.81 Arb | 8.21 Arb | +56.1% |
| Loans and Advances to BFIs | 0 | 0 | — |
| Loans and Advances to Customers | 15.33 Arb | 15.02 Arb | +2.1% |
| Investments | 29.00 L | 29.00 L | +0.0% |
| Interest Income | 2.02 Arb | 1.98 Arb | +2.4% |
| Net Interest Income | 1.20 Arb | 1.05 Arb | +14.7% |
| Total Operating Income | 1.36 Arb | 1.15 Arb | +17.9% |
| Operating Profit | 20.53 Cr | 33.02 Cr | -37.8% |
| Net Profit | 12.59 Cr | 21.61 Cr | -41.8% |
| Number of Shares | 1.49 Cr | 1.42 Cr | +4.8% |
| EPS Reported | 8.47 | 15.23 | -44.4% |
| Book Value Reported | 149.87 | 158.11 | -5.2% |
| ROE Reported | 5.65% | 9.63% | -3.98 pp |
| CAR | 10.35% | 13.35% | -3.00 pp |
| NPL | 17.32% | 9.99% | +7.33 pp |
| Cost of funds | 6.00K | 6.36K | -5.7% |
| CD ratio | 87.82% | 123.20% | -35.38 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
MERO 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 | 36.50 L | 7.96 Cr | 12.94 Cr | 21.61 Cr | -12,177,480 | 9.85 Cr | 14.86 Cr | 12.59 Cr |
| EPS | — | 12.05 | 12.15 | 15.23 | -3.43 | 13.88 | 13.33 | 8.47 |
| Net interest income | 22.19 Cr | 50.64 Cr | 73.82 Cr | 1.05 Arb | 24.26 Cr | 54.45 Cr | 83.23 Cr | 1.20 Arb |
| Revenue | 24.26 Cr | 54.91 Cr | 80.81 Cr | 1.15 Arb | 26.33 Cr | 59.34 Cr | 91.93 Cr | 1.36 Arb |
| Non-performing loans | 9.39% | 7.78% | 9.49% | 9.99% | 14.97% | 19.54% | 18.84% | 17.32% |