Mahuli Laghubitta Bittiya Sanstha Limited · Quarterly report
MSLB Q4 Financial Report — FY 2082/83
Mahuli Laghubitta Bittiya Sanstha Limited (MSLB) posted a year-to-date net profit of Rs 19.33 Cr at the end of Q4 FY 2082/83, up 68.8% from Rs 11.45 Cr a year earlier. Annualised EPS is Rs 49.88 against Rs 30.96 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 | 38.75 Cr | 36.99 Cr | +4.8% |
| Reserve and Surplus | 49.56 Cr | 42.31 Cr | +17.1% |
| Total Equity | 88.31 Cr | 79.31 Cr | +11.4% |
| Total Assets | 6.66 Arb | 5.79 Arb | +15.1% |
| Deposits from Customers | 2.07 Arb | 1.83 Arb | +13.1% |
| Borrowings | 3.43 Arb | 2.91 Arb | +18.0% |
| Loans and Advances to BFIs | 0 | 0 | — |
| Loans and Advances to Customers | 6.17 Arb | 5.25 Arb | +17.6% |
| Investments | 10.00 L | 10.00 L | +0.0% |
| Interest Income | 84.24 Cr | 71.74 Cr | +17.4% |
| Net Interest Income | 49.74 Cr | 36.73 Cr | +35.4% |
| Total Operating Income | 53.85 Cr | 41.97 Cr | +28.3% |
| Operating Profit | 27.61 Cr | 16.36 Cr | +68.8% |
| Net Profit | 19.33 Cr | 11.45 Cr | +68.8% |
| Number of Shares | 38.75 L | 36.99 L | +4.7% |
| EPS Reported | 49.88 | 30.96 | +61.1% |
| Book Value Reported | 227.91 | 214.39 | +6.3% |
| ROE Reported | 21.89% | 14.44% | +7.45 pp |
| CAR | 10.61% | 11.46% | -0.85 pp |
| NPL | 9.80% | 4.80% | +5.00 pp |
| Cost of funds | 6.32K | 7.51K | -15.8% |
| CD ratio | 116.42% | 110.71% | +5.71 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
MSLB 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 | 4.50 L | 89.60 L | 4.06 Cr | 11.45 Cr | 3.45 Cr | 7.00 Cr | 12.28 Cr | 19.33 Cr |
| EPS | 0.56 | 5.56 | 14.62 | 30.96 | 37.28 | 36.14 | 42.26 | 49.88 |
| Net interest income | 8.44 Cr | 16.49 Cr | 25.83 Cr | 36.73 Cr | 11.14 Cr | 22.73 Cr | 36.51 Cr | 49.74 Cr |
| Revenue | 9.23 Cr | 18.52 Cr | 29.24 Cr | 41.97 Cr | 12.67 Cr | 24.85 Cr | 39.66 Cr | 53.85 Cr |
| Non-performing loans | 4.83% | 4.89% | 4.96% | 4.80% | 5.95% | 8.80% | 8.10% | 9.80% |