NMB Microfinance Bittiya Sanstha Ltd. · Quarterly report
NMBMF Q4 Financial Report — FY 2082/83
NMB Microfinance Bittiya Sanstha Ltd. (NMBMF) posted a year-to-date net profit of Rs 14.74 Cr at the end of Q4 FY 2082/83, up 130.9% from Rs 6.38 Cr a year earlier. Annualised EPS is Rs 20.43 against Rs 8.85 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 | 72.14 Cr | 72.14 Cr | +0.0% |
| Reserve and Surplus | 36.62 Cr | 29.30 Cr | +25.0% |
| Total Equity | 1.09 Arb | 1.01 Arb | +7.2% |
| Total Assets | 10.06 Arb | 7.16 Arb | +40.5% |
| Deposits from Customers | 2.10 Arb | 1.57 Arb | +34.0% |
| Borrowings | 6.09 Arb | 4.33 Arb | +40.6% |
| Loans and Advances to BFIs | 0 | 0 | — |
| Loans and Advances to Customers | 8.64 Arb | 6.75 Arb | +27.9% |
| Investments | 11.96 L | 20.00 L | -40.2% |
| Interest Income | 1.03 Arb | 79.65 Cr | +29.9% |
| Net Interest Income | 64.35 Cr | 43.55 Cr | +47.8% |
| Total Operating Income | 72.48 Cr | 49.44 Cr | +46.6% |
| Operating Profit | 19.18 Cr | 6.88 Cr | +178.6% |
| Net Profit | 14.74 Cr | 6.38 Cr | +130.9% |
| Number of Shares | 72.14 L | 72.14 L | +0.0% |
| EPS Reported | 20.43 | 8.85 | +130.8% |
| Book Value Reported | 150.76 | 140.61 | +7.2% |
| ROE Reported | 13.55% | 6.29% | +7.26 pp |
| CAR | 11.05% | 13.82% | -2.77 pp |
| NPL | 13.10% | 4.43% | +8.67 pp |
| Cost of funds | 6.00K | 7.28K | -17.6% |
| CD ratio | 429.14% | 430.71% | -1.57 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
NMBMF 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 | 71.55 L | 1.18 Cr | 2.75 Cr | 6.38 Cr | 1.27 Cr | 3.49 Cr | 8.70 Cr | 14.74 Cr |
| EPS | — | 3.28 | 5.09 | 8.85 | 7.06 | 9.67 | 16.08 | 20.43 |
| Net interest income | 8.09 Cr | 17.53 Cr | 27.86 Cr | 43.55 Cr | 13.63 Cr | 28.31 Cr | 44.42 Cr | 64.35 Cr |
| Revenue | 9.08 Cr | 19.73 Cr | 31.67 Cr | 49.44 Cr | 15.12 Cr | 31.62 Cr | 49.62 Cr | 72.48 Cr |
| Non-performing loans | 6.37% | 5.96% | 5.59% | 4.43% | 4.63% | 4.83% | 15.50% | 13.10% |