Mahalaxmi Bikas Bank Ltd. · Quarterly report
MLBL Q4 Financial Report — FY 2082/83
Mahalaxmi Bikas Bank Ltd. (MLBL) posted a year-to-date net profit of Rs 63.00 Cr at the end of Q4 FY 2082/83, up 24.3% from Rs 50.67 Cr a year earlier. Annualised EPS is Rs 13.96 against Rs 11.79 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 | 4.51 Arb | 4.30 Arb | +5.0% |
| Share Premium | 0 | 0 | — |
| Retained Earnings | 668.97 Arb | 49.46 Cr | +135155.0% |
| Reserves | 2.49 Arb | 2.34 Arb | +6.1% |
| Total Equity | 7.46 Arb | 7.13 Arb | +4.6% |
| Total Assets | 65.06 Arb | 65.16 Arb | -0.2% |
| Deposits from Customers | 55.01 Arb | 55.12 Arb | -0.2% |
| Borrowings | 0 | 0 | — |
| Loans and Advances to BFIs | 2.79 Arb | 3.83 Arb | -27.1% |
| Loans and Advances to Customers | 43.34 Arb | 42.02 Arb | +3.1% |
| Investment Securities | 13.15 Arb | 12.46 Arb | +5.6% |
| Interest Income | 4.34 Arb | 4.96 Arb | -12.5% |
| Net Interest Income | 2.15 Arb | 2.02 Arb | +6.4% |
| Total Operating Income | 2.49 Arb | 2.39 Arb | +4.1% |
| Operating Profit | 93.79 Cr | 73.99 Cr | +26.8% |
| Net Profit | 63.00 Cr | 50.67 Cr | +24.3% |
| Distributable Profit | 668.97 Arb | 49.46 Cr | +135155.0% |
| Number of Shares | 4.51 Cr | 4.30 Cr | +5.0% |
| EPS Reported | 13.96 | 11.79 | +18.4% |
| Book Value Reported | 165.42 | 166.04 | -0.4% |
| ROE Reported | 8.44% | 7.30% | +1.14 pp |
| CAR | 17.57% | 17.49% | +0.08 pp |
| NPL | 6.32% | 4.86% | +1.46 pp |
| Cost of funds | 3.62K | 4.56K | -20.6% |
| Credit To Deposit Ratio | 86.82% | 83.98% | +2.84 pp |
| Base Rate | 5.66% | 6.94% | -1.28 pp |
| Interest Spread Rate | 4.19% | 4.48% | -0.29 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
MLBL 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 | 9.43 Cr | 28.75 Cr | 43.66 Cr | 50.67 Cr | 9.75 Cr | 30.59 Cr | 46.00 Cr | 63.00 Cr |
| EPS | — | 13.78 | 13.55 | 11.79 | 9.08 | 14.24 | 13.59 | 13.96 |
| Net interest income | 48.32 Cr | 1.02 Arb | 1.54 Arb | 2.02 Arb | 50.89 Cr | 1.09 Arb | 1.63 Arb | 2.15 Arb |
| Revenue | 56.17 Cr | 1.17 Arb | 1.76 Arb | 2.39 Arb | 61.34 Cr | 1.27 Arb | 1.91 Arb | 2.49 Arb |
| Non-performing loans | 4.90% | 4.93% | 4.99% | 4.86% | 5.50% | 6.10% | 6.59% | 6.32% |