NMB Bank Limited · Quarterly report
NMB Q4 Financial Report — FY 2082/83
NMB Bank Limited (NMB) posted a year-to-date net profit of Rs 4.01 Arb at the end of Q4 FY 2082/83, up 22.3% from Rs 3.28 Arb a year earlier. Annualised EPS is Rs 18.01 against Rs 17.87 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 | 22.29 Arb | 18.37 Arb | +21.3% |
| Share Premium | 0 | 0 | — |
| Retained Earnings | 1.87 Arb | 1.91 Arb | -1.9% |
| Reserves | 13.90 Arb | 12.33 Arb | +12.8% |
| Total Equity | 38.06 Arb | 32.60 Arb | +16.7% |
| Total Assets | 397.38 Arb | 352.10 Arb | +12.9% |
| Deposits from Customers | 315.12 Arb | 280.93 Arb | +12.2% |
| Borrowings | 1.93 Arb | 3.99 Arb | -51.7% |
| Loans and Advances to BFIs | 12.02 Arb | 10.51 Arb | +14.3% |
| Loans and Advances to Customers | 249.76 Arb | 229.12 Arb | +9.0% |
| Investment Securities | 0 | 32.51 Arb | -100.0% |
| Interest Income | 21.04 Arb | 22.27 Arb | -5.5% |
| Net Interest Income | 9.43 Arb | 8.02 Arb | +17.5% |
| Total Operating Income | 13.02 Arb | 10.88 Arb | +19.7% |
| Operating Profit | 6.12 Arb | 5.35 Arb | +14.3% |
| Net Profit | 4.01 Arb | 3.28 Arb | +22.3% |
| Distributable Profit | 1.87 Arb | 1.91 Arb | -1.9% |
| Number of Shares | 22.29 Cr | 18.37 Cr | +21.3% |
| EPS Reported | 18.01 | 17.87 | +0.8% |
| Book Value Reported | 170.79 | 176.81 | -3.4% |
| ROE Reported | 10.55% | 10.66% | -0.11 pp |
| CAR | 12.73% | 12.03% | +0.70 pp |
| NPL | 4.91% | 3.72% | +1.19 pp |
| Cost of funds | 3.74K | 5.06K | -26.1% |
| Credit To Deposit Ratio | 82.77% | 84.33% | -1.56 pp |
| Base Rate | 5.11% | 6.22% | -1.11 pp |
| Interest Spread Rate | 3.43% | 3.82% | -0.39 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
NMB 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 | 1.15 Arb | 2.00 Arb | 2.37 Arb | 3.28 Arb | 91.60 Cr | 1.65 Arb | 2.69 Arb | 4.01 Arb |
| EPS | — | 21.82 | 17.23 | 17.87 | 19.95 | 17.10 | 16.08 | 18.01 |
| Net interest income | 2.00 Arb | 4.25 Arb | 6.49 Arb | 8.02 Arb | 2.49 Arb | 4.77 Arb | 7.38 Arb | 9.43 Arb |
| Revenue | 2.79 Arb | 5.68 Arb | 8.65 Arb | 10.88 Arb | 3.44 Arb | 6.55 Arb | 10.13 Arb | 13.02 Arb |
| Non-performing loans | 3.63% | 3.96% | 4.47% | 3.72% | 4.58% | 4.56% | 4.95% | 4.91% |