has posted a slight increase in its net profit by 6.8% in the second quarter of the current fiscal year.
As per the unaudited financial report published today, the microfinance company has stated its net profit as Rs 48.88 lakh in Q2 of the FY 2074/75 from Rs 45.77 lakh of the previous quarter.
Its provision for possible losses has increased by 2.74% to Rs 36.33 lakh.
It has total deposit of Rs 14.26 crore and has floated loans of Rs 49.72 crore.
It has a paid up capital of Rs 6.59 crore and Rs 1.19 crore in the reserve. The microfinance has declared 15% bonus shares from the net profit of FY 2073/74 and 50% right shares. After the adjustment of bonus shares and right shares, the paid up capital of the company will reach to Rs 9.89 crore.
Its NPL stands at 3.92% which is an increment from previous year’s 3.35%.
Its annualized EPS stands at Rs 14.82 and Net worth per share is Rs 118.14.
Major Highlights:
| Particulars (In Rs '000) |
MLBBL |
| Q2 2074/75 |
Q2 2073/74 |
Difference |
| Paid Up Capital |
65,978 |
57,372 |
15.00% |
| Reserve & Surplus |
11,969 |
12,264 |
-2.40% |
| Deposits |
142,668 |
86,837 |
64.29% |
| Borrowings |
308,546 |
238,855 |
29.18% |
| Loans & Advances |
497,266 |
363,077 |
36.96% |
| Net Interest Income |
21,980 |
20,589 |
6.75% |
| Provision for possible losses |
3,633 |
3,536 |
2.74% |
| Operating Profit |
7,319 |
6,948 |
5.35% |
| Net Profit |
4,888 |
4,577 |
6.80% |
| NPL (%) |
3.92 |
3.35 |
17.01% |
| Annualized EPS (In Rs.) |
14.82 |
15.95 |
-7.13% |
| Net Worth per Share (In Rs.) |
118.14 |
121.38 |
-2.67% |
| P/E Ratio |
72.89 |
|
|
Similarly,
Swarojgar Laghu Bitta Bittiya Bikas Bank Limited (SLBBL) has posted an increase in net profit for the second quarter of the FY 2074/75.
The net profit has been reported as Rs 1.69 crore in the Q2 up from Rs 1.42 crore of corresponding quarter of the previous year.
Its operating profit is Rs 2.66 crore in the published financial report.
The microfinance collected Rs 60.80 crore as deposits while it floated Rs 1.68 arba as loans and advances.
The paid up capital of the microfinance stands at Rs 12.24 crore and Rs 4.68 crore in the reserve.
The microfinance company has also declared 16.67% bonus shares from the net profit of FY 2073/74 and 100% right shares. After the adjustment of both, the paid up capital of SLBBL will reach to Rs 24.47 crore.
Its annualized EPS is Rs 27.71 and Net worth per share is Rs 138.25. P/E ratio of SLBBL is 61.1 times.
Major Highlights:
| Particulars (In Rs '000) |
SLBBL |
| Q2 2074/75 |
Q2 2073/74 |
Difference |
| Paid Up Capital |
122,498 |
69,999 |
75.00% |
| Reserve & Surplus |
46,852 |
31,873 |
47.00% |
| Deposits |
608,028 |
364,128 |
66.98% |
| Borrowings |
950,944 |
507,215 |
87.48% |
| Loans & Advances |
1,687,437 |
888,116 |
90.00% |
| Net Interest Income |
57,626 |
41,488 |
38.90% |
| Provision for possible losses |
4,337 |
4,437 |
-2.26% |
| Operating Profit |
26,670 |
22,389 |
19.12% |
| Net Profit |
16,972 |
14,248 |
19.12% |
| NPL (%) |
0.23 |
0.32 |
-28.13% |
| Annualized EPS (In Rs.) |
27.71 |
40.71 |
-31.93% |
| Net Worth per Share (In Rs.) |
138.25 |
145.53 |
-5.01% |
| P/E Ratio |
61.1 |
|
|
Deprosc Laghubitta Bikas Bank (DDBL) has also published its unaudited financial report for Q2 of the FY 2074/75. The net profit of the microfinance has decreased by 23.61% to Rs 11.23 crore.
The net profit for Q2 of Fy 2073/74 was Rs 14.70 crore.
The microfinance has collected Rs 1.98 arba as deposits in Q2 while it floated Rs 6.42 arba as loans and advances.
The paid up capital of the bank is Rs 70.31 crore while Rs 39.56 crore remains in its reserve. It had proposed 16% bonus share form the net profit of FY 2073/74. The paid up capital has reached 70.31 crore after the issuance of 16% bonus shares.
The annualized EPS of the microfinance stands at Rs 31.95 and Net worth per share remains at Rs 156.28. The P/E ratio of DDBL is Rs 26.8 times.
Major Highlights:
| Particulars (In Rs '000) |
DDBL |
| Q2 2074/75 |
Q2 2073/74 |
Difference |
| Paid Up Capital |
703,100 |
257,924 |
172.60% |
| Reserve & Surplus |
395,683 |
590,536 |
-33.00% |
| Deposits |
1,979,349 |
1,316,366 |
50.36% |
| Borrowings |
3,469,543 |
2,788,277 |
24.43% |
| Loans & Advances |
6,427,298 |
4,691,296 |
37.00% |
| Net Interest Income |
293,520 |
305,176 |
-3.82% |
| Provision for possible losses |
47,905 |
37,746 |
26.91% |
| Operating Profit |
145,567 |
199,142 |
-26.90% |
| Net Profit |
112,310 |
147,021 |
-23.61% |
| NPL (%) |
0.81 |
0.77 |
5.19% |
| Annualized EPS (In Rs.) |
31.95 |
114.00 |
-71.98% |
| Net Worth per Share (In Rs.) |
156.28 |
328.96 |
-52.49% |
| P/E Ratio |
26.8 |
|
|
