Manushi Laghubitta Bittiya Sanstha Limited · Quarterly report
MLBS Q4 Financial Report — FY 2082/83
Manushi Laghubitta Bittiya Sanstha Limited (MLBS) posted a year-to-date net profit of Rs 2.70 Cr at the end of Q4 FY 2082/83, up 106.9% from Rs 1.30 Cr a year earlier. Annualised EPS is Rs 24.66 against Rs 11.92 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 | 10.94 Cr | 10.94 Cr | +0.0% |
| Reserve and Surplus | 33.85 L | 2.82 Cr | -88.0% |
| Total Equity | 11.28 Cr | 13.76 Cr | -18.1% |
| Total Assets | 1.80 Arb | 1.64 Arb | +9.8% |
| Deposits from Customers | 1.24 Arb | 1.10 Arb | +13.3% |
| Borrowings | 35.74 Cr | 0 | — |
| Loans and Advances to BFIs | 0 | 0 | — |
| Loans and Advances to Customers | 1.54 Arb | 1.29 Arb | +19.3% |
| Investments | 20.93 L | 20.00 L | +4.7% |
| Interest Income | 21.58 Cr | 20.49 Cr | +5.4% |
| Net Interest Income | 10.51 Cr | 10.01 Cr | +4.9% |
| Total Operating Income | 13.77 Cr | 12.33 Cr | +11.7% |
| Operating Profit | 3.85 Cr | 1.86 Cr | +106.9% |
| Net Profit | 2.70 Cr | 1.30 Cr | +106.9% |
| Number of Shares | 10.94 L | 10.94 L | +0.0% |
| EPS Reported | 24.66 | 11.92 | +106.9% |
| Book Value Reported | 103.10 | 125.82 | -18.1% |
| ROE Reported | 23.92% | 9.47% | +14.45 pp |
| CAR | 5.70% | 8.95% | -3.25 pp |
| NPL | 8.60% | 6.14% | +2.46 pp |
| Cost of funds | 7.34K | 7.90K | -7.1% |
| CD ratio | 0.00% | 15.24% | -15.24 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
MLBS 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 | -5,616,130 | 9.87 L | 93.31 L | 1.30 Cr | 42.91 L | 88.68 L | 1.32 Cr | 2.70 Cr |
| EPS | — | 1.80 | 11.38 | 11.92 | 15.69 | 16.22 | 16.06 | 24.66 |
| Net interest income | 2.60 Cr | 5.08 Cr | 7.08 Cr | 10.01 Cr | 2.44 Cr | 5.23 Cr | 7.99 Cr | 10.51 Cr |
| Revenue | 3.10 Cr | 6.07 Cr | 8.72 Cr | 12.33 Cr | 3.37 Cr | 6.95 Cr | 10.54 Cr | 13.77 Cr |
| Non-performing loans | 5.13% | 5.48% | 6.35% | 6.14% | 6.14% | 5.97% | 5.78% | 8.60% |