National Laghubitta Bittiya Sanstha Limited · Quarterly report
NMFBS Q4 Financial Report — FY 2082/83
National Laghubitta Bittiya Sanstha Limited (NMFBS) posted a year-to-date net profit of Rs 89.13 Cr at the end of Q4 FY 2082/83, up 88.0% from Rs 47.40 Cr a year earlier. Annualised EPS is Rs 58.59 against Rs 35.60 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 | 1.52 Arb | 1.33 Arb | +14.2% |
| Reserve and Surplus | 2.73 Arb | 1.93 Arb | +41.3% |
| Total Equity | 4.25 Arb | 3.26 Arb | +30.3% |
| Total Assets | 34.75 Arb | 29.84 Arb | +16.5% |
| Deposits from Customers | 8.00 Arb | 6.46 Arb | +23.8% |
| Borrowings | 21.18 Arb | 19.02 Arb | +11.4% |
| Loans and Advances to BFIs | 0 | 0 | — |
| Loans and Advances to Customers | 27.97 Arb | 24.22 Arb | +15.5% |
| Investments | 30.25 L | 33.89 L | -10.7% |
| Interest Income | 3.58 Arb | 3.16 Arb | +13.1% |
| Net Interest Income | 2.06 Arb | 1.62 Arb | +27.8% |
| Total Operating Income | 2.38 Arb | 1.85 Arb | +28.3% |
| Operating Profit | 1.27 Arb | 67.72 Cr | +88.0% |
| Net Profit | 89.13 Cr | 47.40 Cr | +88.0% |
| Number of Shares | 1.52 Cr | 1.33 Cr | +14.2% |
| EPS Reported | 58.59 | 35.60 | +64.6% |
| Book Value Reported | 279.32 | 245.00 | +14.0% |
| ROE Reported | 20.97% | 14.53% | +6.44 pp |
| CAR | 13.91% | 11.33% | +2.58 pp |
| NPL | 4.16% | 4.11% | +0.05 pp |
| Cost of funds | 4.31K | 7.85K | -45.1% |
| CD ratio | 362.03% | 389.28% | -27.25 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
NMFBS 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 | 10.48 Cr | 21.53 Cr | 36.25 Cr | 47.40 Cr | 14.43 Cr | 36.67 Cr | 58.87 Cr | 89.13 Cr |
| EPS | — | 32.34 | 36.30 | 35.60 | 43.34 | 48.21 | 51.59 | 58.59 |
| Net interest income | 30.45 Cr | 66.38 Cr | 1.02 Arb | 1.62 Arb | 42.32 Cr | 90.22 Cr | 1.36 Arb | 2.06 Arb |
| Revenue | 35.69 Cr | 77.21 Cr | 1.19 Arb | 1.85 Arb | 48.47 Cr | 1.03 Arb | 1.59 Arb | 2.38 Arb |
| Non-performing loans | 4.26% | 129.08% | 3.91% | 4.11% | 4.96% | 4.81% | 4.70% | 4.16% |