Manakamana Smart Laghubitta Bittiya Sanstha Limited · Quarterly report
MKLB Q3 Financial Report — FY 2080/81
Manakamana Smart Laghubitta Bittiya Sanstha Limited (MKLB) posted a year-to-date net loss of Rs 1.10 Cr at the end of Q3 FY 2080/81, against a net profit of Rs 1.04 Cr a year earlier.
Q3 FY 2080/81 vs Q3 FY 2079/80
| Metric | Q3 2080/81 | Q3 2079/80 | Change |
|---|---|---|---|
| Paid Up Capital | 14.85 Cr | 14.17 Cr | +4.7% |
| Reserve and Surplus | 63.64 L | 2.82 Cr | -77.4% |
| Total Equity | 15.48 Cr | 16.99 Cr | -8.9% |
| Total Assets | 97.85 Cr | 1.15 Arb | -15.0% |
| Deposits from Customers | 42.78 Cr | 36.58 Cr | +16.9% |
| Borrowings | 27.07 Cr | 53.92 Cr | -49.8% |
| Loans and Advances to Customers | 88.22 Cr | 1.06 Arb | -16.6% |
| Investments | 23.00 L | 20.00 L | +15.0% |
| Interest Income | 7.60 Cr | 7.39 Cr | +2.8% |
| Net Interest Income | 2.76 Cr | 3.98 Cr | -30.6% |
| Total Operating Income | 3.96 Cr | 5.03 Cr | -21.3% |
| Operating Profit | -52,134,000 | 25.63 L | -2134.3% |
| Net Profit | -10,993,000 | 1.04 Cr | -205.8% |
| Number of Shares | 14.85 L | 14.17 L | +4.7% |
| EPS(Rs.) | -9.87 | 9.77 | -201.0% |
| Book Value(Rs.) | 104.29 | 119.86 | -13.0% |
| ROE | -9.47% | 8.15% | -17.62 pp |
| CAR | 16.15% | 15.25% | +0.90 pp |
| NPL | 13.56% | 4.97% | +8.59 pp |
| Cost of funds | 9.60K | 7.54K | +27.3% |
| CD ratio | 206.22% | 289.01% | -82.79 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
MKLB last 8 quarters
| Metric | Q4 2078/79 | Q1 2079/80 | Q2 2079/80 | Q3 2079/80 | Q4 2079/80 | Q1 2080/81 | Q2 2080/81 | Q3 2080/81 |
|---|---|---|---|---|---|---|---|---|
| Net profit | 1.92 Cr | -4,354,350 | 22.82 L | 1.04 Cr | 21.69 L | -14,249,420 | -11,682,870 | -10,993,000 |
| Net interest income | 7.53 Cr | 1.09 Cr | 2.98 Cr | 3.98 Cr | 6.03 Cr | 52.57 L | 1.69 Cr | 2.76 Cr |
| Revenue | 9.61 Cr | 1.42 Cr | 3.81 Cr | 5.03 Cr | 7.48 Cr | 73.91 L | 2.29 Cr | 3.96 Cr |
| Non-performing loans | 4.22% | 7.85% | 7.93% | 4.97% | 9.75% | 14.31% | 13.45% | 13.56% |
| Return on equity | 10.76% | -9.70% | 2.57% | 8.15% | 1.30% | -34.28% | -15.16% | -9.47% |