Mahila Laghubitta Bittiya Sanstha Ltd · Quarterly report
MLBSL Q4 Financial Report — FY 2082/83
Mahila Laghubitta Bittiya Sanstha Ltd (MLBSL) posted a year-to-date net profit of Rs 8.25 Cr at the end of Q4 FY 2082/83, down 2.0% from Rs 8.41 Cr a year earlier. Annualised EPS is Rs 37.91 against Rs 38.68 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 | 21.76 Cr | 21.76 Cr | +0.0% |
| Reserve and Surplus | 10.60 Cr | 30.04 Cr | -64.7% |
| Total Equity | 32.35 Cr | 51.79 Cr | -37.5% |
| Total Assets | 5.50 Arb | 5.67 Arb | -2.9% |
| Deposits from Customers | 2.36 Arb | 1.94 Arb | +21.5% |
| Borrowings | 2.70 Arb | 3.10 Arb | -13.1% |
| Loans and Advances to BFIs | 0 | 0 | — |
| Loans and Advances to Customers | 5.23 Arb | 5.50 Arb | -4.9% |
| Investments | 0 | 0 | — |
| Interest Income | 83.82 Cr | 69.24 Cr | +21.0% |
| Net Interest Income | 50.06 Cr | 29.98 Cr | +67.0% |
| Total Operating Income | 58.52 Cr | 36.95 Cr | +58.4% |
| Operating Profit | 11.78 Cr | 12.02 Cr | -2.0% |
| Net Profit | 8.25 Cr | 8.41 Cr | -2.0% |
| Number of Shares | 21.76 L | 21.76 L | +0.0% |
| EPS Reported | 37.91 | 38.68 | -2.0% |
| Book Value Reported | 148.70 | 238.07 | -37.5% |
| ROE Reported | 25.50% | 16.25% | +9.25 pp |
| CAR | 6.03% | 9.14% | -3.11 pp |
| NPL | 11.35% | 1.96% | +9.39 pp |
| Cost of funds | 6.00K | 6.93K | -13.4% |
| CD ratio | 103.47% | 109.03% | -5.56 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
MLBSL 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 | 2.33 Cr | 7.33 Cr | 10.68 Cr | 8.41 Cr | 2.02 Cr | 3.60 Cr | 5.51 Cr | 8.25 Cr |
| EPS | 42.92 | 67.37 | 65.43 | 38.68 | 37.23 | 33.06 | 33.74 | 37.91 |
| Net interest income | 9.90 Cr | 19.57 Cr | 30.32 Cr | 29.98 Cr | 8.81 Cr | 15.87 Cr | 28.41 Cr | 50.06 Cr |
| Revenue | 1.16 Arb | 22.88 Cr | 35.40 Cr | 36.95 Cr | 10.42 Cr | 19.21 Cr | 34.13 Cr | 58.52 Cr |
| Non-performing loans | 2.85% | 1.86% | 1.86% | 1.96% | 2.24% | 4.77% | 5.83% | 11.35% |