Manjushree Finance Ltd. · Quarterly report
MFIL Q4 Financial Report — FY 2082/83
Manjushree Finance Ltd. (MFIL) posted a year-to-date net profit of Rs 37.64 Cr at the end of Q4 FY 2082/83, up 19.7% from Rs 31.44 Cr a year earlier. Annualised EPS is Rs 27.85 against Rs 23.26 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 | 1.35 Arb | 1.35 Arb | +0.0% |
| Share Premium | 0 | 0 | — |
| Retained Earnings | 42.07 Cr | 35.45 Cr | +18.7% |
| Reserves | 84.47 Cr | 73.82 Cr | +14.4% |
| Total Equity | 2.62 Arb | 2.44 Arb | +7.1% |
| Total Assets | 28.38 Arb | 26.34 Arb | +7.8% |
| Deposits from Customers | 23.26 Arb | 21.87 Arb | +6.3% |
| Borrowings | 0 | 0 | — |
| Loans and Advances to BFIs | 76.53 Cr | 49.35 Cr | +55.1% |
| Loans and Advances to Customers | 20.03 Arb | 17.91 Arb | +11.8% |
| Investment Securities | 5.23 Arb | 5.65 Arb | -7.5% |
| Interest Income | 2.10 Arb | 2.29 Arb | -8.4% |
| Net Interest Income | 92.45 Cr | 87.32 Cr | +5.9% |
| Total Operating Income | 1.08 Arb | 1.01 Arb | +6.4% |
| Operating Profit | 54.29 Cr | 51.80 Cr | +4.8% |
| Net Profit | 37.64 Cr | 31.44 Cr | +19.7% |
| Distributable Profit | 42.07 Cr | 35.45 Cr | +18.7% |
| Number of Shares | 1.35 Cr | 1.35 Cr | +0.0% |
| EPS Reported | 27.85 | 23.26 | +19.7% |
| Book Value Reported | 193.63 | 180.85 | +7.1% |
| ROE Reported | 14.38% | 12.86% | +1.52 pp |
| CAR | 12.79% | 13.98% | -1.19 pp |
| NPL | 3.43% | 3.11% | +0.32 pp |
| Cost of funds | 4.42K | 5.87K | -24.7% |
| Credit To Deposit Ratio | 82.99% | 79.29% | +3.70 pp |
| Base Rate | 5.82% | 7.81% | -1.99 pp |
| Interest Spread Rate | 4.39% | 4.59% | -0.20 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
MFIL 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 | 9.42 Cr | 11.71 Cr | 17.11 Cr | 31.44 Cr | 4.64 Cr | 13.54 Cr | 21.89 Cr | 37.64 Cr |
| EPS | — | 17.33 | 16.88 | 23.26 | 13.73 | 20.03 | 21.60 | 27.85 |
| Net interest income | 23.70 Cr | 39.81 Cr | 62.12 Cr | 87.32 Cr | 22.73 Cr | 45.33 Cr | 68.48 Cr | 92.45 Cr |
| Revenue | 28.65 Cr | 47.60 Cr | 72.66 Cr | 1.01 Arb | 28.59 Cr | 53.62 Cr | 80.03 Cr | 1.08 Arb |
| Non-performing loans | 3.12% | 3.86% | 4.20% | 3.11% | 4.13% | 3.64% | 3.99% | 3.43% |