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Financial Statements

Detailed financial reports for MITERI DEVELOPMENT BANK (MDB)

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Particulars
Particulars 1st Quarter 2081/2082 2nd Quarter 2081/2082 3rd Quarter 2081/2082 4th Quarter 2081/2082
Basic Earnings per Share (EPS Annualized - Rs.) 2.65 4.25 10.13 10.71
EPS - TTM 13.44 11.22 15.10 10.71
Diluted Earnings per Share (EPS Annualized - Rs.) 2.65 4.25 10.13 10.71
Capital fund to RWA 33.65 35.21 34.19 31.54
Non-Performing loan(NPL) to Total Loan 1.80 1.74 0.78 0.28
Total Loan loss provision to Total NPL 125.00 122.00 197.00 459.00
Cost of Funds 6.74 6.12 5.61 5.12
Credit to Deposit Ratio 62.33 62.68 83.38 89.62
Base Rate 8.83 8.03 7.69 7.36
Interest Spread Rate 4.60 4.60 4.60 4.60
Total Shareholder's Equity (in Rs '000') 1300672.03 1613889.37 1679651.03 1717445.67
No. of Outstanding Shares 11114265.73 12171000.00 12171000.00 12171000.00
Networth per Share (Rs.) 117.03 132.60 138.00 141.11
Price to Earning Ratio (PE ratio - times) 250.99 150.48 60.11 64.23
PE - TTM 49.49 56.99 40.34 64.23
Return on Equity (%) 2.26 3.21 7.34 7.59
Return on Assets (%) 0.37 0.65 1.55 1.57
Price to Book Value Ratio (Pb ratio - times) 5.68 4.82 4.41 4.87
Distributable Profit (in Rs '000') - This Year 155428.10 52426.97 108300.49 156121.93
Distributable Profit per Share - This Year 13.98 4.31 8.90 12.83

Profit & Loss Account

Particulars (Rs. in '000)
Particulars 1st Quarter 2081/2082 2nd Quarter 2081/2082 3rd Quarter 2081/2082 4th Quarter 2081/2082
Interest income 149331.62 285676.24 417231.08 571167.16
Interest expense 108174.62 199823.38 284587.15 366842.51
Net interest income 41157.00 85852.86 132643.93 204324.65
Fees and commission income 3801.62 7638.98 21273.92 33613.24
Fees and commission expense 743.71 943.71 943.71 948.81
Net fee and commission income 3057.91 6695.27 20330.21 32664.43
Net interest, fee and commission income 44214.91 92548.13 152974.13 236989.08
Net trading income 0.00 0.00 0.00 0.00
Other operating income 3065.76 4215.47 71455.19 72552.52
Total operating income 47280.67 96763.59 224429.32 309541.60
Impairment charge/(reversal) for loan and other losses 9634.60 5825.52 2148.49 -2703.40
Net operating income 37646.08 90938.08 222280.83 312245.00
Personnel expense 18086.10 36081.78 62010.86 85325.16
Other operating expense 7837.09 15326.70 24401.10 29444.47
Depreciation & Amortisation 1205.80 2555.67 3788.50 11186.70
Operating Profit 10517.09 36973.92 132080.37 186288.67
Non operating income 0.00 0.00 0.00 0.00
Non operating expense 0.00 0.00 0.00 0.00
Profit before income tax 10517.09 36973.92 132080.37 186288.67
Current Tax 3155.13 11092.18 39624.11 55886.60
Deferred Tax 0.00 0.00 0.00 0.00
Profit for the period 7361.97 25881.75 92456.26 130402.07
Gains/(losses) from investments in equity instruments measured at fair value 0.00 0.00 0.00 0.00
Gains/(losses) on revalution 0.00 0.00 0.00 0.00
Actuarial gains/(losses) on defined benefit plans 0.00 0.00 0.00 0.00
Income tax relating to above items 0.00 0.00 0.00 0.00
Net other comprehsive income that will not be reclassified to profit or loss 0.00 0.00 0.00 0.00
Gains/(losses) on cash flow hedge 0.00 0.00 0.00 0.00
Exchange gains/(losses) (arising from translating financial assets of foreign operation) 0.00 0.00 0.00 0.00
Income tax relating to above items 0.00 0.00 0.00 0.00
Net other comprehsive income that are or may be reclassified to profit or loss 0.00 0.00 0.00 0.00
Other Comprehensive Income For The Period, Net Of Income Tax 70.00 590.80 -222.05 739.88
Total Comprehensive Income For The Period 7431.97 26472.55 92234.21 131141.96

Balance Sheet

Particulars (Rs. in '000)
Particulars 1st Quarter 2081/2082 2nd Quarter 2081/2082 3rd Quarter 2081/2082 4th Quarter 2081/2082
Cash and cash equivalent 175399.25 2089554.11 156682.06 230315.10
Due from Nepal Rastra Bank 624346.18 246955.32 2000435.59 2007398.11
Placement with Bank and Financial Institutions 0.00 0.00 0.00 0.00
Derivative financial instruments 0.00 0.00 0.00 0.00
Other trading assets 0.00 0.00 0.00 0.00
Loan and advances to B/FIs 238608.16 238102.99 717869.33 652989.48
Loans and advances to customers 3602491.69 3695470.26 4453236.14 5178625.09
Investment securities 3081756.94 1555547.83 500723.61 147124.15
Current tax assets 1250.85 11384.81 11659.84 12966.09
Investment in subsidiaries 0.00 0.00 0.00 0.00
Investment in associates 0.00 0.00 0.00 0.00
Investment property 22386.05 22386.05 15485.12 8350.44
Property and equipment 42838.44 40862.43 40085.87 41615.34
Goodwill and Intangible assets 141.57 122.54 103.51 84.48
Deferred tax assets 15608.18 15384.81 15733.17 15320.92
Other assets 51876.32 37925.19 19531.74 16639.38
Total Assets 7856703.62 7953696.34 7931545.98 8311428.58
Due to Bank and Financial Institutions 23503.13 62287.50 26552.71 29951.74
Due to Nepal Rastra Bank 0.00 0.00 0.00 0.00
Derivative financial instruments 0.00 0.00 0.00 0.00
Deposits from customers 6180020.47 6226044.04 6176498.26 6506779.77
Borrowing 0.00 0.00 0.00 0.00
Current Tax Liabilities 0.00 0.00 0.00 0.00
Provisions 0.00 0.00 0.00 0.00
Deferred tax liabilities 0.00 0.00 0.00 0.00
Other liabilities 52507.98 51475.43 48843.99 57251.40
Debt securities issued 0.00 0.00 0.00 0.00
Subordinated Liabilities 0.00 0.00 0.00 0.00
Total liabilities 6256031.59 6339806.97 6251894.95 6593982.91
Share capital 1111426.57 1217100.00 1217100.00 1217100.00
Share premium 0.00 0.00 0.00 0.00
Retained earnings 155428.10 52426.97 108300.49 156121.93
Reserves 33817.36 344362.40 354250.54 344223.73
Total equity 1300672.03 1613889.37 1679651.03 1717445.67
Total liabilities and equity 7556703.62 7953696.35 7931545.98 8311428.58