Swarojgar Laghu Bitta Bikas Bank Ltd. (SLBBL) - Quarterly Financial Report & Nepse Stock Data

Swarojgar Laghu Bitta Bikas Bank Ltd. (SLBBL)

Latest Fiscal Report: Q4 081/082

*Data updates daily at 4:00 PM after market close

Overview

As of Sep 28, 2025 | 03:00 PM
LTP919.00 (-3.00)
Change %-0.33%
Share Outstanding6711050
EPS30.58
ROE19.09
ROA2.36
PE Ratio32.73
NPL %7.54
Net Worth160.20
CD Ratio108.53
PEG Value0.28

🏦 Fundamental Overview

Paid-up Capital783,924,403
Net Profit239,705,801
Prev. Quarter Profit111,405,668
Net Profit Growth Rate115.16%
Reserve300,154,349
Operating Profit60,258,737
Distributable Profit171,749,140
Retained Earnings171,749,140
Total Assets10,152,297,538
Total Liabilities8,896,469,645
Deposit4,497,330,471
Loan9,294,279,909
Net Interest Income162,505,423
Fee & Commission Income-2,115,245

Overview

As of Sep 28, 2025 | 03:00 PM
LTP919.00 (-3.00)
Change %-0.33%
Share Outstanding6711050
EPS30.93
ROE18.03
ROA2.14
PE Ratio33.30
NPL %5.39
Net Worth171.53
CD Ratio109.51
PEG Value0.28

🏦 Fundamental Overview

Paid-up Capital690,682,293
Net Profit160,242,777
Prev. Quarter Profit73,184,804
Net Profit Growth Rate118.96%
Reserve289,927,046
Operating Profit211,135,878
Distributable Profit204,146,632
Retained Earnings204,146,632
Total Assets9,965,550,747
Total Liabilities8,780,794,776
Deposit4,260,017,582
Loan9,217,684,773
Net Interest Income438,677,341
Fee & Commission Income74,324,141

Overview

As of Sep 28, 2025 | 03:00 PM
LTP919.00 (-3.00)
Change %-0.33%
Share Outstanding6711050
EPS26.23
ROE15.99
ROA0.89
PE Ratio39.27
NPL %5.04
Net Worth164.00
CD Ratio104.65
PEG Value0.32

🏦 Fundamental Overview

Paid-up Capital671,104,993
Net Profit88,001,029
Prev. Quarter Profit39,178,741
Net Profit Growth Rate124.61%
Reserve267,353,864
Operating Profit113,099,631
Distributable Profit162,126,026
Retained Earnings162,126,026
Total Assets9,912,883,158
Total Liabilities8,812,298,275
Deposit4,059,308,116
Loan8,854,574,336
Net Interest Income275,176,550
Fee & Commission Income48,925,124

Overview

As of Sep 28, 2025 | 03:00 PM
LTP919.00 (-3.00)
Change %-0.33%
Share Outstanding6711050
EPS21.95
PE Ratio46.92
NPL %5.43
Net Worth164.14
CD Ratio108.53
PEG Value0.53

🏦 Fundamental Overview

Paid-up Capital671,104,993
Net Profit36,830,278
Prev. Quarter Profit19,616,826
Net Profit Growth Rate87.75%
Reserve267,575,135
Operating Profit45,434,946
Distributable Profit25,316,679
Retained Earnings162,850,251
Total Assets9,240,826,090
Total Liabilities8,139,295,712
Deposit3,857,889,142
Loan8,565,078,730
Net Interest Income127,940,995
Fee & Commission Income22,796,772

Overview

As of Sep 28, 2025 | 03:00 PM
LTP919.00 (-3.00)
Change %-0.33%
Share Outstanding6711050
EPS16.60
ROE12.79
ROA1.51
PE Ratio52.15
NPL %5.56
Net Worth154.42
CD Ratio108.34
PEG Value1.24

🏦 Fundamental Overview

Paid-up Capital671,104,993
Net Profit111,405,668
Prev. Quarter Profit93,293,370
Net Profit Growth Rate19.41%
Reserve276,926,483
Operating Profit158,335,342
Distributable Profit87,941,331
Retained Earnings88,311,354
Total Assets8,749,326,624
Total Liabilities7,712,983,794
Deposit3,733,553,067
Loan8,071,397,002
Net Interest Income429,547,187
Fee & Commission Income103,592,990

Overview

As of Sep 28, 2025 | 03:00 PM
LTP919.00 (-3.00)
Change %-0.33%
Share Outstanding6711050
EPS14.15
ROE10.33
ROA1.12
PE Ratio72.79
NPL %5.72
Net Worth140.79
CD Ratio110.27
PEG Value1.81

🏦 Fundamental Overview

Paid-up Capital671,104,993
Net Profit73,184,804
Prev. Quarter Profit52,162,516
Net Profit Growth Rate40.30%
Reserve216,268,023
Operating Profit70,285,344
Distributable Profit57,084,147
Retained Earnings57,454,170
Total Assets8,674,847,249
Total Liabilities7,730,020,063
Deposit3,606,106,624
Loan7,993,100,697
Net Interest Income263,151,189
Fee & Commission Income82,273,704

Overview

As of Sep 28, 2025 | 03:00 PM
LTP919.00 (-3.00)
Change %-0.33%
Share Outstanding6711050
EPS12.49
ROE8.77
ROA0.96
PE Ratio82.46
NPL %5.89
Net Worth142.50
CD Ratio111.83
PEG Value-3.68

🏦 Fundamental Overview

Paid-up Capital627,200,928
Net Profit39,178,741
Prev. Quarter Profit50,497,572
Net Profit Growth Rate-22.41%
Reserve161,886,052
Operating Profit31,521,658
Distributable Profit30,559,418
Retained Earnings104,652,442
Total Assets8,160,224,422
Total Liabilities7,266,485,001
Deposit3,464,556,930
Loan7,603,318,949
Net Interest Income166,557,635
Fee & Commission Income55,588,239

Overview

As of Sep 28, 2025 | 03:00 PM
LTP919.00 (-3.00)
Change %-0.33%
Share Outstanding6711050
EPS12.51
ROE8.94
ROA1.01
PE Ratio82.33
NPL %5.17
Net Worth139.97
CD Ratio111.80
PEG Value-2.84

🏦 Fundamental Overview

Paid-up Capital627,200,928
Net Profit19,616,826
Prev. Quarter Profit27,631,421
Net Profit Growth Rate-29.01%
Reserve158,652,520
Operating Profit14,402,607
Distributable Profit15,301,124
Retained Earnings92,041,667
Total Assets7,738,881,358
Total Liabilities6,860,986,243
Deposit3,380,033,237
Loan7,199,607,553
Net Interest Income78,392,837

Overview

As of Sep 28, 2025 | 03:00 PM
LTP919.00 (-3.00)
Change %-0.33%
Share Outstanding6711050
EPS14.87
ROE10.91
ROA1.32
PE Ratio69.26
NPL %4.75
Net Worth136.33
CD Ratio111.44
PEG Value-1.28

🏦 Fundamental Overview

Paid-up Capital627,200,930
Net Profit93,293,370
Prev. Quarter Profit202,629,970
Net Profit Growth Rate-53.96%
Reserve Surplus2,277,888,900
Operating Profit77,882,220
Distributable Profit72,768,828
Total Assets7,060,804,480
Total Liabilities249,617,630
Deposit3,335,150,430
Loan6,503,680,400
Net Interest Income366,266,870
Fee & Commission Income5,077,140

Overview

As of Sep 28, 2025 | 03:00 PM
LTP919.00 (-3.00)
Change %-0.33%
Share Outstanding6711050
EPS11.09
ROE8.54
ROA0.95
PE Ratio92.87
NPL %6.63
Net Worth121.91
CD Ratio109.74
PEG Value-1.54

🏦 Fundamental Overview

Paid-up Capital627,200,928
Net Profit52,162,516
Prev. Quarter Profit131,772,470
Net Profit Growth Rate-60.41%
Reserve145,772,210
Operating Profit44,058,025
Distributable Profit40,686,763
Retained Earnings41,808,459
Total Assets7,322,721,179
Total Liabilities6,507,939,583
Deposit3,366,666,644
Loan6,723,829,133
Net Interest Income261,960,257
Fee & Commission Income1,151,359

Overview

As of Sep 28, 2025 | 03:00 PM
LTP919.00 (-3.00)
Change %-0.33%
Share Outstanding6711050
EPS19.65
ROE12.20
ROA1.34
PE Ratio52.42
NPL %4.44
Net Worth160.98
CD Ratio109.55
PEG Value-1.19

🏦 Fundamental Overview

Paid-up Capital514,099,121
Net Profit50,497,572
Prev. Quarter Profit90,174,430
Net Profit Growth Rate-44.00%
Reserve137,805,528
Operating Profit53,934,889
Distributable Profit39,388,106
Retained Earnings175,705,180
Total Assets7,513,062,797
Total Liabilities6,685,452,968
Deposit3,307,724,965
Loan6,882,587,507
Net Interest Income190,273,291
Fee & Commission Income819,411

Overview

As of Sep 28, 2025 | 03:00 PM
LTP919.00 (-3.00)
Change %-0.33%
Share Outstanding6711050
EPS21.50
ROE13.24
ROA1.43
PE Ratio47.91
NPL %2.75
Net Worth162.43
CD Ratio110.74
PEG Value-1.13

🏦 Fundamental Overview

Paid-up Capital514,099,121
Net Profit27,631,421
Prev. Quarter Profit48,072,540
Net Profit Growth Rate-42.52%
Reserve139,322,689
Operating Profit30,314,235
Distributable Profit21,552,509
Retained Earnings181,622,109
Total Assets7,736,776,053
Total Liabilities6,901,732,134
Deposit3,230,333,104
Loan7,163,762,128
Net Interest Income96,636,495
Fee & Commission Income205,201

Overview

As of Sep 28, 2025 | 03:00 PM
LTP919.00 (-3.00)
Change %-0.33%
Share Outstanding6711050
EPS39.41
ROE25.01
ROA2.57
PE Ratio26.13
NPL %2.37
Net Worth157.58
CD Ratio232.99
PEG Value0.83

🏦 Fundamental Overview

Paid-up Capital514,099,120
Net Profit202,629,970
Prev. Quarter Profit154,321,230
Net Profit Growth Rate31.30%
Reserve Surplus296,010,080
Operating Profit257,229,270
Total Assets7,877,832,150
Total Liabilities324,056,590
Deposit3,154,844,150
Loan7,350,380,090
Net Interest Income427,760,100
Fee & Commission Income5,798,010

Overview

As of Sep 28, 2025 | 03:00 PM
LTP919.00 (-3.00)
Change %-0.33%
Share Outstanding6711050
EPS34.18
ROE23.77
ROA2.14
PE Ratio30.13
NPL %2.83
Net Worth143.80
CD Ratio248.81
PEG Value1.78

🏦 Fundamental Overview

Paid-up Capital514,099,120
Net Profit131,772,470
Prev. Quarter Profit112,653,700
Net Profit Growth Rate16.97%
Reserve Surplus225,152,580
Operating Profit184,695,150
Total Assets8,221,669,650
Total Liabilities8,221,669,650
Deposit3,068,323,870
Loan7,634,440,980
Net Interest Income312,227,420

Overview

As of Sep 28, 2025 | 03:00 PM
LTP919.00 (-3.00)
Change %-0.33%
Share Outstanding6711050
EPS35.08
ROE2.51
ROA2.40
PE Ratio29.36
NPL %2.92
Net Worth135.70
CD Ratio242.74
PEG Value0.81

🏦 Fundamental Overview

Paid-up Capital514,099,120
Net Profit90,174,430
Prev. Quarter Profit66,186,070
Net Profit Growth Rate36.24%
Reserve Surplus183,554,540
Operating Profit127,419,160
Total Assets7,519,819,850
Total Liabilities343,957,160
Deposit2,911,076,680
Loan7,066,469,810
Net Interest Income213,305,700
Fee & Commission Income826,810

Overview

As of Sep 28, 2025 | 03:00 PM
LTP919.00 (-3.00)
Change %-0.33%
Share Outstanding6711050
EPS46.75
ROE2.95
ROA2.81
PE Ratio22.03
NPL %2.57
Net Worth162.91
CD Ratio233.08
PEG Value0.56

🏦 Fundamental Overview

Paid-up Capital411,279,300
Net Profit48,072,540
Prev. Quarter Profit34,556,960
Net Profit Growth Rate39.11%
Reserve Surplus258,744,970
Operating Profit68,261,360
Total Assets6,845,057,440
Total Liabilities323,093,480
Deposit2,740,400,580
Loan6,387,354,910
Net Interest Income103,573,130
Fee & Commission Income652,490

Overview

As of Sep 28, 2025 | 03:00 PM
LTP919.00 (-3.00)
Change %-0.33%
Share Outstanding6711050
EPS37.52
ROE2.74
ROA2.60
PE Ratio27.45
NPL %2.63
Net Worth150.42
CD Ratio216.24
PEG Value0.28

🏦 Fundamental Overview

Paid-up Capital411,279,300
Net Profit154,321,230
Prev. Quarter Profit77,689,880
Net Profit Growth Rate98.64%
Reserve Surplus207,353,450
Operating Profit138,016,630
Total Assets5,938,649,990
Total Liabilities304,919,540
Deposit2,574,679,200
Loan5,567,445,700
Net Interest Income340,222,510

Overview

As of Sep 28, 2025 | 03:00 PM
LTP919.00 (-3.00)
Change %-0.33%
Share Outstanding6711050
EPS36.52
ROE2.80
ROA2.66
PE Ratio28.20
NPL %2.75
Net Worth140.19
CD Ratio215.74
PEG Value0.31

🏦 Fundamental Overview

Paid-up Capital411,279,300
Net Profit112,653,700
Prev. Quarter Profit58,767,360
Net Profit Growth Rate91.69%
Reserve Surplus165,288,000
Operating Profit88,352,740
Total Assets5,648,085,450
Total Liabilities285,861,860
Deposit2,148,197,670
Loan5,217,106,280
Net Interest Income230,715,920
Fee & Commission Income3,422,570

Overview

As of Sep 28, 2025 | 03:00 PM
LTP919.00 (-3.00)
Change %-0.33%
Share Outstanding6711050
EPS36.17
ROE2.77
ROA2.62
PE Ratio28.48
NPL %2.79
Net Worth147.44
CD Ratio214.39
PEG Value1.52

🏦 Fundamental Overview

Paid-up Capital365,937,120
Net Profit66,186,070
Prev. Quarter Profit55,751,350
Net Profit Growth Rate18.72%
Reserve Surplus173,591,990
Operating Profit-106,725,100
Total Assets5,057,590,510
Total Liabilities277,660,340
Deposit2,225,776,770
Loan4,771,914,390
Net Interest Income135,762,550

Overview

As of Sep 28, 2025 | 03:00 PM
LTP919.00 (-3.00)
Change %-0.33%
Share Outstanding6711050
EPS37.77
ROE27.92
ROA3.14
PE Ratio27.27
NPL %4.76
Net Worth135.28
CD Ratio203.17
PEG Value1.18

🏦 Fundamental Overview

Paid-up Capital365,937,120
Net Profit34,556,960
Prev. Quarter Profit28,088,970
Net Profit Growth Rate23.03%
Reserve Surplus129,110,200
Operating Profit-144,113,820
Total Assets4,398,686,430
Total Liabilities251,383,880
Deposit1,987,785,780
Loan4,038,570,980
Net Interest Income45,206,810

Overview

As of Sep 28, 2025 | 03:00 PM
LTP919.00 (-3.00)
Change %-0.33%
Share Outstanding6711050
EPS22.74
ROE2.13
ROA2.02
PE Ratio45.29
NPL %1.83
Net Worth135.71
CD Ratio189.16
PEG Value-11.97

🏦 Fundamental Overview

Paid-up Capital341,612,120
Net Profit77,689,880
Prev. Quarter Profit80,744,520
Net Profit Growth Rate-3.78%
Reserve Surplus121,988,590
Operating Profit50,708,960
Total Assets3,847,499,860
Total Liabilities204,601,020
Deposit1,738,796,080
Loan3,289,149,610
Net Interest Income254,226,950

Overview

As of Sep 28, 2025 | 03:00 PM
LTP919.00 (-3.00)
Change %-0.33%
Share Outstanding6711050
EPS22.94
ROE2.24
ROA2.14
PE Ratio44.90
NPL %1.73
Net Worth130.17
CD Ratio199.97
PEG Value1.16

🏦 Fundamental Overview

Paid-up Capital341,612,120
Net Profit58,767,360
Prev. Quarter Profit42,336,770
Net Profit Growth Rate38.81%
Reserve Surplus103,066,060
Operating Profit62,073,540
Total Assets3,668,917,530
Total Liabilities164,858,980
Deposit1,677,459,630
Loan3,354,359,250
Net Interest Income167,743,100

Overview

As of Sep 28, 2025 | 03:00 PM
LTP919.00 (-3.00)
Change %-0.33%
Share Outstanding6711050
EPS32.64
ROE3.12
ROA2.99
PE Ratio31.56
NPL %1.32
Net Worth129.28
CD Ratio212.84
PEG Value0.23

🏦 Fundamental Overview

Paid-up Capital341,612,120
Net Profit55,751,350
Prev. Quarter Profit23,691,430
Net Profit Growth Rate135.32%
Reserve Surplus100,040,050
Operating Profit82,442,780
Total Assets3,728,683,270
Total Liabilities152,943,340
Deposit1,559,548,350
Loan3,300,383,230
Net Interest Income134,369,280

Overview

As of Sep 28, 2025 | 03:00 PM
LTP919.00 (-3.00)
Change %-0.33%
Share Outstanding6711050
EPS41.69
ROE3.22
ROA3.09
PE Ratio24.71
NPL %0.98
Net Worth156.88
CD Ratio228.81
PEG Value0.14

🏦 Fundamental Overview

Paid-up Capital269,512,210
Net Profit28,088,970
Prev. Quarter Profit10,024,550
Net Profit Growth Rate180.20%
Reserve Surplus153,310,840
Operating Profit40,440,320
Total Assets3,633,107,600
Total Liabilities145,099,830
Deposit1,389,796,490
Loan3,179,928,000
Net Interest Income68,481,370

Overview

As of Sep 28, 2025 | 03:00 PM
LTP919.00 (-3.00)
Change %-0.33%
Share Outstanding6711050
EPS29.96
ROE2.59
ROA2.49
PE Ratio34.38
NPL %0.88
Net Worth146.46
CD Ratio240.30
PEG Value0.28

🏦 Fundamental Overview

Paid-up Capital269,512,210
Net Profit80,744,520
Prev. Quarter Profit36,587,830
Net Profit Growth Rate120.69%
Reserve Surplus125,221,880
Operating Profit120,890,850
Total Assets3,248,271,220
Total Liabilities135,563,400
Deposit1,255,408,620
Loan3,016,924,440
Net Interest Income203,703,710

Overview

As of Sep 28, 2025 | 03:00 PM
LTP919.00 (-3.00)
Change %-0.33%
Share Outstanding6711050
EPS20.94
ROE1.95
ROA1.86
PE Ratio49.19
NPL %0.88
Net Worth132.21
CD Ratio249.43
PEG Value0.84

🏦 Fundamental Overview

Paid-up Capital269,512,210
Net Profit42,336,770
Prev. Quarter Profit26,688,460
Net Profit Growth Rate58.63%
Reserve Surplus86,814,120
Operating Profit60,812,180
Total Assets3,042,763,260
Total Liabilities152,131,260
Deposit1,113,565,930
Loan2,777,516,840
Net Interest Income135,452,460

Overview

As of Sep 28, 2025 | 03:00 PM
LTP919.00 (-3.00)
Change %-0.33%
Share Outstanding6711050
EPS17.58
ROE1.76
ROA1.68
PE Ratio58.59
NPL %0.81
Net Worth125.29
CD Ratio249.13
PEG Value1.48

🏦 Fundamental Overview

Paid-up Capital269,512,210
Net Profit23,691,430
Prev. Quarter Profit16,971,520
Net Profit Growth Rate39.60%
Reserve Surplus68,168,790
Operating Profit32,242,090
Total Assets2,826,837,630
Total Liabilities128,097,180
Deposit987,997,720
Loan2,461,403,210
Net Interest Income84,953,990

Overview

As of Sep 28, 2025 | 03:00 PM
LTP919.00 (-3.00)
Change %-0.33%
Share Outstanding6711050
EPS14.94
ROE1.60
ROA1.53
PE Ratio68.94
NPL %0.51
Net Worth118.52
CD Ratio262.49
PEG Value2.09

🏦 Fundamental Overview

Paid-up Capital269,512,210
Net Profit10,024,550
Prev. Quarter Profit7,539,001
Net Profit Growth Rate32.97%
Reserve49,710,130
Operating Profit14,421,270
Total Assets2,629,060,470
Total Liabilities116,814,940
Deposit872,838,840
Loan2,291,103,050
Net Interest Income42,580,580

Overview

As of Sep 28, 2025 | 03:00 PM
LTP919.00 (-3.00)
Change %-0.33%
Share Outstanding6711050
EPS29.86
ROE1.52
ROA1.46
PE Ratio34.49
NPL %0.36
Net Worth154.26
CD Ratio272.55
PEG Value1.24

🏦 Fundamental Overview

Paid-up Capital122,497,760
Net Profit36,587,830
Prev. Quarter Profit28,641,001
Net Profit Growth Rate27.75%
Reserve Surplus66,468,540
Operating Profit52,817,750
Total Assets2,514,315,570
Total Liabilities114,550,550
Deposit782,356,090
Loan2,132,305,020
Net Interest Income126,752,840

Overview

As of Sep 28, 2025 | 03:00 PM
LTP919.00 (-3.00)
Change %-0.33%
Share Outstanding6711050
EPS29.05
ROE1.79
ROA1.70
PE Ratio35.46
NPL %0.27
Net Worth146.18
CD Ratio288.03
PEG Value0.00

🏦 Fundamental Overview

Paid-up Capital122,497,760
Net Profit26,688,460
Net Profit Growth Rate0.00%
Reserve Surplus56,569,170
Operating Profit41,939,010
Total Assets2,088,288,130
Total Liabilities95,109,100
Deposit686,463,560
Loan1,977,225,420
Net Interest Income90,232,220

Overview

As of Sep 28, 2025 | 03:00 PM
LTP919.00 (-3.00)
Change %-0.33%
Share Outstanding6711050
EPS27.70
ROE1.96
ROA1.87
PE Ratio37.18
NPL %0.23
Net Worth138.24
CD Ratio277.53
PEG Value0.00

🏦 Fundamental Overview

Paid-up Capital122,497,760
Net Profit16,971,520
Net Profit Growth Rate0.00%
Reserve Surplus46,852,220
Operating Profit26,669,530
Total Assets1,819,655,130
Total Liabilities84,059,380
Deposit608,028,450
Loan1,687,437,300
Net Interest Income57,625,990

Overview

As of Sep 28, 2025 | 03:00 PM
LTP919.00 (-3.00)
Change %-0.33%
Share Outstanding6711050
EPS28.72
ROE1.79
ROA1.71
PE Ratio35.86
NPL %0.19
Net Worth154.85
CD Ratio280.07
PEG Value0.00

🏦 Fundamental Overview

Paid-up Capital104,998,000
Net Profit7,539,001
Net Profit Growth Rate0.00%
Reserve57,593,000
Operating Profit11,848,000
Total Assets1,761,136,001
Total Liabilities75,534,000
Deposit532,398,000
Loan1,285,153,000
Net Interest Income26,986,001

Overview

As of Sep 28, 2025 | 03:00 PM
LTP919.00 (-3.00)
Change %-0.33%
Share Outstanding6711050
EPS40.92
ROE2.09
ROA2.00
PE Ratio25.17
NPL %0.22
Net Worth166.10
CD Ratio270.77
PEG Value0.00

🏦 Fundamental Overview

Paid-up Capital69,998,001
Net Profit28,641,001
Net Profit Growth Rate0.00%
Reserve46,266,001
Operating Profit45,008,001
Total Assets1,432,596,000
Total Liabilities63,896,000
Deposit474,621,000
Net Interest Income92,231,001

Overview

As of Sep 28, 2025 | 03:00 PM
LTP919.00 (-3.00)
Change %-0.33%
Share Outstanding6711050
PE Ratio0.00
PEG Value0.00

🏦 Fundamental Overview

Net Profit Growth Rate0.00%

Overview

As of Sep 28, 2025 | 03:00 PM
LTP919.00 (-3.00)
Change %-0.33%
Share Outstanding6711050
PE Ratio0.00
PEG Value0.00

🏦 Fundamental Overview

Net Profit Growth Rate0.00%

Overview

As of Sep 28, 2025 | 03:00 PM
LTP919.00 (-3.00)
Change %-0.33%
Share Outstanding6711050
PE Ratio0.00
PEG Value0.00

🏦 Fundamental Overview

Net Profit Growth Rate0.00%