Muktinath Bikas Bank Ltd. · Quarterly report
MNBBL Q4 Financial Report — FY 2082/83
Muktinath Bikas Bank Ltd. (MNBBL) posted a year-to-date net profit of Rs 1.52 Arb at the end of Q4 FY 2082/83, down 1.2% from Rs 1.54 Arb a year earlier. Annualised EPS is Rs 18.98 against Rs 21.82 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 | 8.00 Arb | 7.05 Arb | +13.5% |
| Share Premium | 0 | 0 | — |
| Retained Earnings | 67.58 Cr | 1.46 Arb | -53.8% |
| Reserves | 4.27 Arb | 3.47 Arb | +23.2% |
| Total Equity | 12.95 Arb | 11.98 Arb | +8.1% |
| Total Assets | 141.06 Arb | 136.90 Arb | +3.0% |
| Deposits from Customers | 123.54 Arb | 117.43 Arb | +5.2% |
| Borrowings | 0 | 20.83 L | -100.0% |
| Loans and Advances to BFIs | 85.34 Cr | 1.62 Arb | -47.4% |
| Loans and Advances to Customers | 100.51 Arb | 97.52 Arb | +3.1% |
| Investment Securities | 19.13 Arb | 14.56 Arb | +31.3% |
| Interest Income | 9.70 Arb | 11.05 Arb | -12.2% |
| Net Interest Income | 4.74 Arb | 4.56 Arb | +4.1% |
| Total Operating Income | 5.40 Arb | 5.17 Arb | +4.3% |
| Operating Profit | 2.42 Arb | 2.23 Arb | +8.6% |
| Net Profit | 1.52 Arb | 1.54 Arb | -1.2% |
| Distributable Profit | 67.58 Cr | 1.46 Arb | -53.8% |
| Number of Shares | 8.00 Cr | 7.05 Cr | +13.5% |
| EPS Reported | 18.98 | 21.82 | -13.0% |
| Book Value Reported | 161.82 | 169.95 | -4.8% |
| ROE Reported | 11.73% | 13.72% | -1.99 pp |
| CAR | 13.47% | 12.99% | +0.48 pp |
| NPL | 4.77% | 2.75% | +2.02 pp |
| Cost of funds | 3.53K | 4.90K | -28.0% |
| Credit To Deposit Ratio | 83.86% | 85.72% | -1.86 pp |
| Base Rate | 5.57% | 7.10% | -1.53 pp |
| Interest Spread Rate | 4.55% | 3.87% | +0.68 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
MNBBL 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 | 28.18 Cr | 50.31 Cr | 72.49 Cr | 1.54 Arb | 22.48 Cr | 67.20 Cr | 94.26 Cr | 1.52 Arb |
| EPS | — | 14.28 | 13.71 | 21.82 | 12.76 | 16.80 | 15.71 | 18.98 |
| Net interest income | 1.11 Arb | 2.19 Arb | 3.29 Arb | 4.56 Arb | 1.19 Arb | 2.37 Arb | 3.45 Arb | 4.74 Arb |
| Revenue | 1.30 Arb | 2.52 Arb | 3.76 Arb | 5.17 Arb | 1.38 Arb | 2.72 Arb | 3.93 Arb | 5.40 Arb |
| Non-performing loans | 3.16% | 3.98% | 4.41% | 2.75% | 4.03% | 3.75% | 4.88% | 4.77% |