Mithila LaghuBitta Bittiya Sanstha Limited · Quarterly report
MLBBL Q4 Financial Report — FY 2082/83
Mithila LaghuBitta Bittiya Sanstha Limited (MLBBL) posted a year-to-date net profit of Rs 5.14 Cr at the end of Q4 FY 2082/83, down 39.0% from Rs 8.42 Cr a year earlier. Annualised EPS is Rs 20.07 against Rs 37.58 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 | 25.58 Cr | 22.39 Cr | +14.2% |
| Reserve and Surplus | 17.38 Cr | 20.44 Cr | -15.0% |
| Total Equity | 42.96 Cr | 42.84 Cr | +0.3% |
| Total Assets | 3.81 Arb | 3.59 Arb | +6.2% |
| Deposits from Customers | 1.30 Arb | 1.19 Arb | +9.7% |
| Borrowings | 0 | 1.77 Arb | -100.0% |
| Loans and Advances to BFIs | 0 | 0 | — |
| Loans and Advances to Customers | 3.14 Arb | 2.97 Arb | +5.8% |
| Investments | 0 | 10.00 L | -100.0% |
| Interest Income | 43.09 Cr | 41.31 Cr | +4.3% |
| Net Interest Income | 24.56 Cr | 20.91 Cr | +17.5% |
| Total Operating Income | 29.51 Cr | 26.40 Cr | +11.8% |
| Operating Profit | 7.34 Cr | 12.33 Cr | -40.5% |
| Net Profit | 5.14 Cr | 8.42 Cr | -39.0% |
| Number of Shares | 25.58 L | 22.39 L | +14.2% |
| EPS Reported | 20.07 | 37.58 | -46.6% |
| Book Value Reported | 167.93 | 191.29 | -12.2% |
| ROE Reported | 11.95% | 19.65% | -7.70 pp |
| CAR | 11.50% | 12.82% | -1.32 pp |
| NPL | 9.89% | 4.69% | +5.20 pp |
| Cost of funds | 7.11K | 6.97K | +2.0% |
| CD ratio | 237.58% | 249.94% | -12.36 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
MLBBL 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 | 1.01 Cr | 3.75 Cr | 5.32 Cr | 8.42 Cr | 3.36 Cr | 5.29 Cr | 7.36 Cr | 5.14 Cr |
| EPS | 20.63 | 38.24 | 36.22 | 37.58 | 60.09 | 47.22 | 38.36 | 20.07 |
| Net interest income | 3.93 Cr | 9.32 Cr | 13.84 Cr | 20.91 Cr | 8.14 Cr | 13.31 Cr | 18.38 Cr | 24.56 Cr |
| Revenue | 4.63 Cr | 11.28 Cr | 17.17 Cr | 26.40 Cr | 8.94 Cr | 15.27 Cr | 22.00 Cr | 29.51 Cr |
| Non-performing loans | 5.18% | 4.85% | 4.68% | 4.69% | 8.60% | 8.39% | 12.03% | 9.89% |