Kamal NMB Laghubitta Bittiya Sanstha Limited (NMBMF) ended the fiscal year 2081/82 on a positive note, posting a profit of Rs. 6.38 crore in the fourth quarter. This is a complete turnaround from the loss of Rs. 5.29 crore reported in the same period last year.
A strong rise in interest earnings played a key role in this recovery. Net interest income reached Rs. 43.55 crore, up by more than 60% compared to the previous year. Lending and deposit volumes both increased notably, with loans and advances climbing to Rs. 6.75 Arba and customer deposits hitting Rs. 1.56 Arba. Borrowings also moved higher to Rs. 4.33 Arba.
The company’s retained earnings shifted from a negative Rs. 6.31 crore last year to a positive Rs. 20.26 lakh. Reserves improved to Rs. 21.80 crore. On the other hand, loan impairment charges rose sharply, crossing Rs. 3 crore.
Operational efficiency and asset quality also saw improvements. The non-performing loan (NPL) ratio dropped to 4.43% from 6.35%, while the cost of funds came down to 7.28% from 9.44%. Earnings per share (EPS) stood at Rs. 8.85, a significant improvement from the negative figure of last year. Net worth per share increased to Rs. 140.61.
At the close of the quarter, NMB Laghubitta shares were trading at Rs. 745.13, valuing the company at a price-to-earnings (P/E) ratio of 84.20 times.
Key Financial Snapshot
| Indicators | FY 2081/82 (Q4) | FY 2080/81 (Q4) | Change |
|---|---|---|---|
| Profit / (Loss) | Rs. 6.38 crore | (Rs. 5.29 crore) | Recovered |
| Net Interest Income | Rs. 43.55 crore | Rs. 26.91 crore | +61.83% |
| Loans & Advances | Rs. 6.75 Arba | – | +27.02% |
| Deposits | Rs. 1.56 Arba | – | +17.57% |
| Borrowings | Rs. 4.33 Arba | – | +27.83% |
| Retained Earnings | Rs. 20.26 lakh | (Rs. 6.31 crore) | Turned Positive |
| Reserves | Rs. 21.80 crore | – | +7.39% |
| Impairment Charges | Rs. 3.05 crore | – | +175.43% |
| NPL Ratio | 4.43% | 6.35% | Improved |
| Cost of Funds | 7.28% | 9.44% | Lower |
| EPS | Rs. 8.85 | (Rs. 7.33) | Turned Positive |
| Net Worth per Share | Rs. 140.61 | – | +8.58% |
| Share Price | Rs. 745.13 | – | – |
| P/E Ratio | 84.20x | – | – |
