Summit Micro Finance Development Bank Ltd. · Quarterly report
SMFDB Q3 Financial Report — FY 2079/80
Summit Micro Finance Development Bank Ltd. (SMFDB) posted a year-to-date net profit of Rs 4.42 Cr at the end of Q3 FY 2079/80, down 62.3% from Rs 11.74 Cr a year earlier.
Q3 FY 2079/80 vs Q3 FY 2078/79
| Metric | Q3 2079/80 | Q3 2078/79 | Change |
|---|---|---|---|
| Paid Up Capital | 56.10 Cr | 49.40 Cr | +13.6% |
| Reserve and Surplus | 17.89 Cr | 22.54 Cr | -20.6% |
| Total Equity | 73.99 Cr | 71.94 Cr | +2.9% |
| Total Assets | 6.46 Arb | 6.16 Arb | +4.9% |
| Deposits from Customers | 1.36 Arb | 1.33 Arb | +2.7% |
| Borrowings | 3.86 Arb | 3.66 Arb | +5.6% |
| Loans and Advances to Customers | 6.07 Arb | 5.83 Arb | +4.1% |
| Investments | 10.00 L | 10.00 L | +0.0% |
| Interest Income | 63.11 Cr | 56.62 Cr | +11.5% |
| Net Interest Income | 18.42 Cr | 26.33 Cr | -30.0% |
| Total Operating Income | 28.50 Cr | 38.42 Cr | -25.8% |
| Operating Profit | 7.02 Cr | 18.64 Cr | -62.3% |
| Net Profit | 4.42 Cr | 11.74 Cr | -62.3% |
| Number of Shares | 56.10 L | 49.40 L | +13.6% |
| EPS(Rs.) | 10.51 | 31.69 | -66.8% |
| Book Value(Rs.) | 131.90 | 145.62 | -9.4% |
| ROE | 8.00% | 21.76% | -13.76 pp |
| CAR | 11.00% | 11.64% | -0.64 pp |
| NPL | 4.16% | 1.76% | +2.40 pp |
| Cost of funds | 11.55K | 11.62K | -0.6% |
| CD ratio | 445.19% | 439.28% | +5.91 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
SMFDB last 7 quarters
| Metric | Q4 2068/69 | Q4 2069/70 | Q3 2078/79 | Q4 2078/79 | Q1 2079/80 | Q2 2079/80 | Q3 2079/80 |
|---|---|---|---|---|---|---|---|
| Net profit | — | — | 11.74 Cr | 14.53 Cr | 1.85 Cr | 3.89 Cr | 4.42 Cr |
| Net interest income | — | — | 26.33 Cr | 34.80 Cr | 7.81 Cr | 14.47 Cr | 18.42 Cr |
| Revenue | — | — | 38.42 Cr | 49.57 Cr | 11.17 Cr | 22.01 Cr | 28.50 Cr |
| Non-performing loans | — | — | 1.76% | 1.42% | 2.25% | 2.56% | 4.16% |
| Return on equity | — | — | 21.76% | 19.45% | 9.69% | 9.89% | 8.00% |