Nerude Mirmire Laghubitta Bittiya Sanstha Ltd. · Quarterly report
NMLBBL Q4 Financial Report — FY 2082/83
Nerude Mirmire Laghubitta Bittiya Sanstha Ltd. (NMLBBL) posted a year-to-date net profit of Rs 23.59 Cr at the end of Q4 FY 2082/83, down 7.1% from Rs 25.40 Cr a year earlier. Annualised EPS is Rs 16.88 against Rs 18.17 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 | 1.40 Arb | 1.40 Arb | +0.0% |
| Reserve and Surplus | 1.21 Arb | 1.49 Arb | -18.9% |
| Total Equity | 2.61 Arb | 2.89 Arb | -9.8% |
| Total Assets | 20.96 Arb | 21.78 Arb | -3.7% |
| Deposits from Customers | 7.70 Arb | 6.46 Arb | +19.1% |
| Borrowings | 9.77 Arb | 10.85 Arb | -9.9% |
| Loans and Advances to BFIs | 0 | 0 | — |
| Loans and Advances to Customers | 19.32 Arb | 20.14 Arb | -4.1% |
| Investments | 35.10 L | 35.10 L | +0.0% |
| Interest Income | 2.49 Arb | 2.80 Arb | -11.3% |
| Net Interest Income | 1.29 Arb | 1.43 Arb | -9.8% |
| Total Operating Income | 1.51 Arb | 1.66 Arb | -9.1% |
| Operating Profit | 32.31 Cr | 36.40 Cr | -11.2% |
| Net Profit | 23.59 Cr | 25.40 Cr | -7.1% |
| Number of Shares | 1.40 Cr | 1.40 Cr | +0.0% |
| EPS Reported | 16.88 | 18.17 | -7.1% |
| Book Value Reported | 186.59 | 206.77 | -9.8% |
| ROE Reported | 9.04% | 8.79% | +0.25 pp |
| CAR | 9.38% | 10.07% | -0.69 pp |
| NPL | 19.86% | 11.32% | +8.54 pp |
| Cost of funds | 6.27K | 6.37K | -1.6% |
| CD ratio | 110.60% | 116.33% | -5.73 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
NMLBBL 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 | -261,150,670 | -62,708,600 | 5.79 Cr | 25.40 Cr | 5.54 Cr | 7.82 Cr | 4.38 Cr | 23.59 Cr |
| EPS | — | -8.97 | 5.52 | 18.17 | 15.84 | 11.18 | 4.18 | 16.88 |
| Net interest income | 24.47 Cr | 63.38 Cr | 1.02 Arb | 1.43 Arb | 40.33 Cr | 68.11 Cr | 89.83 Cr | 1.29 Arb |
| Revenue | 27.39 Cr | 70.42 Cr | 81.44 Cr | 1.66 Arb | 44.10 Cr | 77.38 Cr | 1.05 Arb | 1.51 Arb |
| Non-performing loans | 16.14% | 8.47% | 14.81% | 11.32% | 15.70% | 25.75% | 24.49% | 19.86% |