Mirmire Laghubitta Bittya Sanstha Limited · Quarterly report
MMFDB Q2 Financial Report — FY 2080/81
Mirmire Laghubitta Bittya Sanstha Limited (MMFDB) posted a year-to-date net profit of Rs 3.40 Cr at the end of Q2 FY 2080/81, down 40.2% from Rs 5.69 Cr a year earlier.
Q2 FY 2080/81 vs Q2 FY 2079/80
| Metric | Q2 2080/81 | Q2 2079/80 | Change |
|---|---|---|---|
| Paid Up Capital | 66.58 Cr | 65.34 Cr | +1.9% |
| Reserve and Surplus | 42.88 Cr | 36.31 Cr | +18.1% |
| Total Equity | 1.09 Arb | 1.02 Arb | +7.7% |
| Total Assets | 8.98 Arb | 9.54 Arb | -5.8% |
| Deposits from Customers | 2.59 Arb | 2.84 Arb | -8.6% |
| Borrowings | 4.90 Arb | 5.32 Arb | -8.0% |
| Loans and Advances to Customers | 8.27 Arb | 8.76 Arb | -5.6% |
| Investments | 15.00 L | 7.66 Cr | -98.0% |
| Interest Income | 57.05 Cr | 65.32 Cr | -12.7% |
| Net Interest Income | 17.86 Cr | 24.08 Cr | -25.8% |
| Total Operating Income | 22.34 Cr | 28.62 Cr | -21.9% |
| Operating Profit | 4.86 Cr | 8.13 Cr | -40.2% |
| Net Profit | 3.40 Cr | 5.69 Cr | -40.2% |
| Number of Shares | 66.58 L | 65.34 L | +1.9% |
| EPS(Rs.) | 10.22 | 17.41 | -41.3% |
| Book Value(Rs.) | 164.41 | 155.57 | +5.7% |
| ROE | 6.21% | 11.19% | -4.98 pp |
| CAR | 9.71% | 9.26% | +0.45 pp |
| NPL | 4.51% | 3.84% | +0.67 pp |
| Cost of funds | 10.45K | 11.72K | -10.8% |
| CD ratio | 318.59% | — | — |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
MMFDB last 8 quarters
| Metric | Q3 2078/79 | Q4 2078/79 | Q1 2079/80 | Q2 2079/80 | Q3 2079/80 | Q4 2079/80 | Q1 2080/81 | Q2 2080/81 |
|---|---|---|---|---|---|---|---|---|
| Net profit | 17.50 Cr | 20.82 Cr | 2.83 Cr | 5.69 Cr | 6.96 Cr | 5.46 Cr | -39,967,020 | 3.40 Cr |
| Net interest income | 42.55 Cr | 54.38 Cr | 12.62 Cr | 24.08 Cr | 34.43 Cr | 45.43 Cr | 3.71 Cr | 17.86 Cr |
| Revenue | 55.00 Cr | 70.40 Cr | 15.02 Cr | 28.62 Cr | 40.57 Cr | 51.50 Cr | 5.82 Cr | 22.34 Cr |
| Non-performing loans | 1.94% | 1.65% | 3.47% | 3.84% | 4.93% | 4.71% | 6.67% | 4.51% |
| Return on equity | 24.75% | 21.37% | 10.69% | 11.19% | 9.03% | 5.36% | -16.34% | 6.21% |