NMB Laghubitta Posts Rs. 43.55 Crore Core Revenue in Q4 FY 2081/82, Swings to Rs. 6.38 Crore Profit from Loss Last Year
Fri, Aug 8, 2025 10:25 AM on Financial Analysis, Company Analysis, Latest,
NMB Laghubitta Bittiya Sanstha Limited (NMBMF) has recorded a sharp rebound in its financial results for the fourth quarter of FY 2081/82, with a net profit of Rs. 6.38 crore, recovering from a net loss of Rs. 5.29 crore in the same quarter last fiscal year.
The company’s core revenue — net interest income — jumped 61.83% to Rs. 43.55 crore from Rs. 26.91 crore a year ago, supported by strong growth in lending and deposits. Loans and advances to customers rose 27.02% to Rs. 6.75 Arba, while deposits from customers increased 17.57% to Rs. 1.56 Arba. Borrowings also surged 27.83% to Rs. 4.33 Arba.
Retained earnings turned positive at Rs. 20.26 lakh from a negative Rs. 6.31 crore last year, while reserves and surplus grew 7.39% to Rs. 21.80 crore. Impairment charges, however, more than doubled, climbing 175.43% to Rs. 3.05 crore.
The company’s asset quality improved, with the Non-Performing Loan (NPL) ratio falling to 4.43% from 6.35%, and the cost of funds dropping to 7.28% from 9.44%. Earnings per share stood at Rs. 8.85, compared to a loss per share of Rs. 7.33 in the previous year, while net worth per share increased 8.58% to Rs. 140.61.
At the end of the quarter, NMB Laghubitta’s price-to-earnings ratio was 84.20 times, with the market price of its shares at Rs. 745.13.
Major Financial Highlights:
* Figures are of the Immediate Previous Year Quarter Ending
| Particulars (In Rs '000) | NMB Laghubitta | ||
|---|---|---|---|
| Q4 2081/82 | Q4 2080/81 | Difference | |
| Paid Up Capital | 721,449.15 | 721,449.15* | 0.00% |
| Share Premium | 72,972.96 | 72,972.96* | 0.00% |
| Retained Earnings | 2,025.59 | -63,105.94* | - |
| Reserves & Surplus | 218,002.95 | 202,997.44* | 7.39% |
| Borrowings | 4,334,499.07 | 3,390,827.91* | 27.83% |
| Deposits from Customers | 1,567,726.76 | 1,333,476.33* | 17.57% |
| Loans and Advances to Customers | 6,752,313.14 | 5,316,104.15* | 27.02% |
| Net Interest Income | 435,500.45 | 269,117.16 | 61.83% |
| Impairment Charges | 30,553.23 | 11,093.08 | 175.43% |
| Operating Profit | 68,827.80 | -53,263.99 | - |
| Net Profit | 63,841.57 | -52,916.31 | - |
| Capital Adequacy (%) | 13.82 | 15.94 | -13.30% |
| NPL (%) | 4.43 | 6.35 | -30.24% |
| Cost of Fund (%) | 7.28 | 9.44 | -22.88% |
| EPS (In Rs.) | 8.85 | -7.33 | - |
| Net Worth per Share (In Rs.) | 140.61 | 129.51 | 8.58% |
| Qtr end PE Ratio (times) | 84.20 | - | - |
| Qtr End Market Price | 745.13 | - | - |
