Asha Laghubitta Bittiya Sanstha Ltd (ALBSL) Share Price & Fundamentals
Asha (ALBSL) share price is Rs. 1,192.00, up 0.17% on 2026-09-22. Open Rs. 1,173.00. High Rs. 1,220.00. Low Rs. 1,172.00. Volume 13,999.
Asha Laghubitta Bittiya Sanstha Ltd is a NEPSE-listed company (ALBSL), Microfinance sector. Revenue: Rs. 88.99 Crore. Net profit: Rs. 10.26 Crore. Net worth: Rs. 114.82 Crore.
About Asha Laghubitta Bittiya Sanstha Ltd
Nepal Rastra Bank Class "D" national-level microfinance financial institution. Registered office: Sanga, Banepa-13, Kavrepalanchok. Audited FY2081/82 by B.R. Parajuli & Associates; FY2079/80 by KMU & Associates.
Asha Laghubitta Bittiya Sanstha Ltd (ALBSL) has 80,26,857 shares outstanding. Its most recent declared dividend was 0.50% on face value.
ALBSL key metrics
ALBSL strengths
What Asha Laghubitta Bittiya Sanstha Ltd's own accounts show in its favour, graded against the rest of its sector.
- Makes 6.8% on its assets from the gap between what it charges borrowers and pays savers. (Margins & Income Quality)
- Profit grew 155.2% on last year. (Growth)
- Income from lending grew 17.3% on last year, so the core business is expanding. (Growth)
- 83% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
- Total income grew 19.7% on last year. (Growth)
- 10.4% of what the bank owns belongs to shareholders rather than depositors and lenders. (Capital Strength)
- Each share earned Rs 32.63 of profit over the year. (Shareholder Returns)
- 13.1% of income comes from fees and commissions, so it does not depend on lending alone. (Margins & Income Quality)
- Owns 9.6x for every rupee shareholders put in, a modest multiple that limits risk. (Capital Strength)
- Customer deposits grew 14.5% on last year, giving it more cheap money to lend. (Growth)
ALBSL weaknesses
What the same accounts show against it. Both lists are computed from the filed figures, not opinion, and are not advice.
- Return on shareholders' money is 8.9%, below what owners would hope for. (Profitability)
- Only 32.5% of funding comes from deposits, so it relies on costlier borrowing. (Liquidity & Funding)
- Return on everything it owns is 0.9%, so its assets are not producing much. (Profitability)
- 20.8% of income is lost to loans going bad, which eats directly into profit. (Asset Quality)
- Loans are 93.4% of what the bank owns, so most of its risk sits in lending. (Asset Quality)
- Each share is backed by only Rs 143.05 of net worth. (Shareholder Returns)
- 65.4% of funding is borrowed, which costs more and can dry up in a crisis. (Liquidity & Funding)
- Staff costs take 31.4% of income, a heavy load on earnings. (Efficiency)
- Net profit margin is 24.6%, less than most lenders keep once every cost is paid. (Profitability)
- Operating margin is 34.9%, so running costs take too much of what core banking earns. (Profitability)
- The loan book moved 7.7%, so lending is not expanding. (Growth)
- The bank's size moved 5.2% over the year. (Shareholder Returns)
ALBSL Q3 2082/83 results
In Q3 2082/83 Asha Laghubitta Bittiya Sanstha Ltd reported profit of Rs. 5.07 crore and total operating income of Rs. 28.26 crore. Profit in Q2 2082/83 was Rs. 10.33 crore. Profit fell 50.91% on the previous quarter. Total operating income grew 4.35% on the previous quarter. Profit in Q3 2081/82, the same quarter a year earlier, was Rs. 4.2 crore. Profit grew 20.80% on the same quarter last year. Total operating income grew 36.07% on the same quarter last year.
ALBSL annual results 2081/82
For the financial year 2081/82 Asha Laghubitta Bittiya Sanstha Ltd reported net profit of Rs. 10.26 crore, total operating income of Rs. 88.99 crore and net worth of Rs. 114.82 crore. Net profit in 2080/81 was Rs. 8.46 crore. Net profit grew 21.29% on the year. Total operating income grew 56.02% on the year.
ALBSL profit and loss for 2081/82
In the financial year 2081/82, Asha Laghubitta Bittiya Sanstha Ltd reported net interest income of Rs. 75.41 crore, net fee and commission income of Rs. 9.59 crore, net trading income of Rs. 0 crore, other operating income of Rs. 3.99 crore, total operating income of Rs. 88.99 crore, impairment charge/(reversal) of Rs. 26.67 crore, net operating income of Rs. 62.31 crore, operating expenses of Rs. 46.24 crore, operating profit of Rs. 16.08 crore, non-operating income/(expense) of Rs. 0.27 crore, profit before income tax of Rs. 15.8 crore, income tax expense of Rs. 5.54 crore and profit for the year of Rs. 10.26 crore.
Reported under net interest income: interest income of Rs. 148.8 crore and interest expense of Rs. 73.39 crore. Reported under net fee and commission income: fee and commission income of Rs. 9.8 crore and fee and commission expense of Rs. 0.21 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 32.42 crore, other operating expenses of Rs. 13.21 crore and depreciation & amortisation of Rs. 0.61 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.07 crore and non-operating expense of Rs. 0.34 crore. Reported under income tax expense: current tax of Rs. 5.76 crore and deferred tax of Rs. 0.22 crore.
ALBSL profit and loss for 2080/81
In the financial year 2080/81, Asha Laghubitta Bittiya Sanstha Ltd reported net interest income of Rs. 44.11 crore, net fee and commission income of Rs. 7.91 crore, net trading income of Rs. 0 crore, other operating income of Rs. 5.01 crore, total operating income of Rs. 57.04 crore, impairment charge/(reversal) of Rs. 1.37 crore, net operating income of Rs. 58.4 crore, operating expenses of Rs. 45.77 crore, operating profit of Rs. 12.63 crore, non-operating income/(expense) of Rs. 0.1 crore, profit before income tax of Rs. 12.73 crore, income tax expense of Rs. 4.27 crore and profit for the year of Rs. 8.46 crore.
Reported under net interest income: interest income of Rs. 134.33 crore and interest expense of Rs. 90.22 crore. Reported under net fee and commission income: fee and commission income of Rs. 8.54 crore and fee and commission expense of Rs. 0.63 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 32.83 crore, other operating expenses of Rs. 12.34 crore and depreciation & amortisation of Rs. 0.61 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.1 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 4.46 crore and deferred tax of Rs. 0.19 crore.
ALBSL profit and loss for 2079/80
In the financial year 2079/80, Asha Laghubitta Bittiya Sanstha Ltd reported net interest income of Rs. 23.73 crore, net fee and commission income of Rs. 4.46 crore, net trading income of Rs. 0 crore, other operating income of Rs. 1.43 crore, total operating income of Rs. 29.62 crore, impairment charge/(reversal) of Rs. 5.04 crore, net operating income of Rs. 24.58 crore, operating expenses of Rs. 22.65 crore, operating profit of Rs. 1.93 crore, non-operating income/(expense) of Rs. 0.02 crore, profit before income tax of Rs. 1.95 crore, income tax expense of Rs. 1.94 crore and profit for the year of Rs. 0.01 crore.
Reported under net interest income: interest income of Rs. 73.56 crore and interest expense of Rs. 49.84 crore. Reported under net fee and commission income: fee and commission income of Rs. 5.1 crore and fee and commission expense of Rs. 0.64 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 15.51 crore, other operating expenses of Rs. 6.85 crore and depreciation & amortisation of Rs. 0.28 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.02 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 2.24 crore and deferred tax of Rs. 0.3 crore.
ALBSL balance sheet for 2081/82
In the financial year 2081/82, Asha Laghubitta Bittiya Sanstha Ltd reported total assets of Rs. 1,102.11 crore, total liabilities of Rs. 987.29 crore and total equity of Rs. 114.82 crore.
Reported under total assets: cash and cash equivalents of Rs. 50.29 crore, due from nepal rastra bank of Rs. 4.99 crore, placement with banks and fis of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, other trading assets of Rs. 0 crore, loans and advances to banks and fis of Rs. 0 crore, loans and advances to customers of Rs. 1,029.62 crore, investment securities of Rs. 0.07 crore, current tax assets of Rs. 2.05 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 0.13 crore, property and equipment of Rs. 2.33 crore, goodwill and intangible assets of Rs. 1.24 crore, deferred tax assets of Rs. 2.3 crore and other assets of Rs. 9.09 crore. Reported under total liabilities: due to banks and fis of Rs. 0 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 321.12 crore, borrowings of Rs. 645.34 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 20.83 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 73.3 crore, share premium of Rs. 0 crore, retained earnings of Rs. 8.22 crore, reserves of Rs. 33.3 crore and non controlling interest of Rs. 0 crore.
ALBSL balance sheet for 2080/81
In the financial year 2080/81, Asha Laghubitta Bittiya Sanstha Ltd reported total assets of Rs. 1,047.46 crore, total liabilities of Rs. 940.68 crore and total equity of Rs. 106.78 crore.
Reported under total assets: cash and cash equivalents of Rs. 70.1 crore, due from nepal rastra bank of Rs. 4.68 crore, placement with banks and fis of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, other trading assets of Rs. 0 crore, loans and advances to banks and fis of Rs. 0 crore, loans and advances to customers of Rs. 955.59 crore, investment securities of Rs. 0 crore, current tax assets of Rs. 0 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 0.13 crore, property and equipment of Rs. 2.32 crore, goodwill and intangible assets of Rs. 1.26 crore, deferred tax assets of Rs. 1.67 crore and other assets of Rs. 11.72 crore. Reported under total liabilities: due to banks and fis of Rs. 0 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 280.36 crore, borrowings of Rs. 639.49 crore, current tax liabilities of Rs. 1.8 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 19.04 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 64.16 crore, share premium of Rs. 0 crore, retained earnings of Rs. 10.06 crore, reserves of Rs. 32.56 crore and non controlling interest of Rs. 0 crore.
ALBSL balance sheet for 2079/80
In the financial year 2079/80, Asha Laghubitta Bittiya Sanstha Ltd reported total assets of Rs. 940.67 crore, total liabilities of Rs. 841.63 crore and total equity of Rs. 99.04 crore.
Reported under total assets: cash and cash equivalents of Rs. 36.34 crore, due from nepal rastra bank of Rs. 4.21 crore, placement with banks and fis of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, other trading assets of Rs. 0 crore, loans and advances to banks and fis of Rs. 0 crore, loans and advances to customers of Rs. 892.88 crore, investment securities of Rs. 0 crore, current tax assets of Rs. 1.37 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 0.13 crore, property and equipment of Rs. 2.46 crore, goodwill and intangible assets of Rs. 1.26 crore, deferred tax assets of Rs. 1.41 crore and other assets of Rs. 0.62 crore. Reported under total liabilities: due to banks and fis of Rs. 0 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 282.4 crore, borrowings of Rs. 546.7 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 12.53 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 64.16 crore, share premium of Rs. 0 crore, retained earnings of Rs. 10.21 crore, reserves of Rs. 24.67 crore and non controlling interest of Rs. 0 crore.
ALBSL cash flow for 2081/82
In the financial year 2081/82, Asha Laghubitta Bittiya Sanstha Ltd reported net cash flow from operating activities (a) of Rs. 24.72 crore and net cash flow from investing activities (b) of Rs. 0.69 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 146.21 crore, fees and other income received of Rs. 9.76 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 4.07 crore, interest paid of Rs. 73.39 crore, commission and fees paid of Rs. 0.21 crore, cash payment to employees of Rs. 32.42 crore, other expense paid of Rs. 13.55 crore, operating cash flows before changes in operating assets and liabilities of Rs. 40.45 crore, due from nepal rastra bank of Rs. 0.31 crore, placement with banks and financial institutions of Rs. 0 crore, other trading assets of Rs. 0 crore, loan and advances to banks and financial institutions of Rs. 0 crore, loan and advances to customers of Rs. 98.23 crore, other assets of Rs. 8.4 crore, due to banks and financial institutions of Rs. 0 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 40.76 crore, borrowings of Rs. 5.86 crore, other liabilities of Rs. 13.83 crore, net cash flow from operating activities before tax paid of Rs. 16.91 crore and income taxes paid of Rs. 7.81 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 0.07 crore, receipts from sale of investment securities of Rs. 0 crore, purchase of property and equipment of Rs. 0.62 crore, receipt from sale of property and equipment of Rs. 0 crore, purchase of intangible assets of Rs. 0 crore, receipt from sale of intangible assets of Rs. 0 crore, purchase of investment properties of Rs. 0 crore, receipt from sale of investment properties of Rs. 0 crore, interest received of Rs. 0 crore and dividend received of Rs. 0 crore.
ALBSL cash flow for 2080/81
In the financial year 2080/81, Asha Laghubitta Bittiya Sanstha Ltd reported net cash flow from operating activities (a) of Rs. 40.82 crore and net cash flow from investing activities (b) of Rs. 0.47 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 133.72 crore, fees and other income received of Rs. 8.54 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 5.11 crore, interest paid of Rs. 90.22 crore, commission and fees paid of Rs. 0.63 crore, cash payment to employees of Rs. 32.83 crore, other expense paid of Rs. 12.34 crore, operating cash flows before changes in operating assets and liabilities of Rs. 11.35 crore, due from nepal rastra bank of Rs. 0.47 crore, placement with banks and financial institutions of Rs. 0 crore, other trading assets of Rs. 0 crore, loan and advances to banks and financial institutions of Rs. 0 crore, loan and advances to customers of Rs. 60.73 crore, other assets of Rs. 2.64 crore, due to banks and financial institutions of Rs. 0 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 2.04 crore, borrowings of Rs. 92.79 crore, other liabilities of Rs. 5.21 crore, net cash flow from operating activities before tax paid of Rs. 43.48 crore and income taxes paid of Rs. 2.66 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 0 crore, receipts from sale of investment securities of Rs. 0 crore, purchase of property and equipment of Rs. 0.47 crore, receipt from sale of property and equipment of Rs. 0 crore, purchase of intangible assets of Rs. 0 crore, receipt from sale of intangible assets of Rs. 0 crore, purchase of investment properties of Rs. 0 crore, receipt from sale of investment properties of Rs. 0 crore, interest received of Rs. 0 crore and dividend received of Rs. 0 crore.
ALBSL cash flow for 2079/80
In the financial year 2079/80, Asha Laghubitta Bittiya Sanstha Ltd reported net cash flow from operating activities (a) of Rs. 6.1 crore and net cash flow from investing activities (b) of Rs. 0.12 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 73.5 crore, fees and other income received of Rs. 5.1 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 1.45 crore, interest paid of Rs. 49.84 crore, commission and fees paid of Rs. 0.64 crore, cash payment to employees of Rs. 15.16 crore, other expense paid of Rs. 6.85 crore, operating cash flows before changes in operating assets and liabilities of Rs. 7.57 crore, due from nepal rastra bank of Rs. 0.89 crore, placement with banks and financial institutions of Rs. 0 crore, other trading assets of Rs. 0 crore, loan and advances to banks and financial institutions of Rs. 0 crore, loan and advances to customers of Rs. 37.47 crore, other assets of Rs. 0.25 crore, due to banks and financial institutions of Rs. 0 crore, due to nepal rastra bank of Rs. 4 crore, deposit from customers of Rs. 25.33 crore, borrowings of Rs. 16.52 crore, other liabilities of Rs. 12.99 crore, net cash flow from operating activities before tax paid of Rs. 3.9 crore and income taxes paid of Rs. 2.2 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 0 crore, receipts from sale of investment securities of Rs. 0 crore, purchase of property and equipment of Rs. 0.12 crore, receipt from sale of property and equipment of Rs. 0 crore, purchase of intangible assets of Rs. 0 crore, receipt from sale of intangible assets of Rs. 0 crore, purchase of investment properties of Rs. 0 crore, receipt from sale of investment properties of Rs. 0 crore, interest received of Rs. 0 crore and dividend received of Rs. 0 crore.
ALBSL quarterly for Q3 2082/83
In the quarter Q3 2082/83, Asha Laghubitta Bittiya Sanstha Ltd reported net interest income of Rs. 23.47 crore, net fee and commission income of Rs. 3.9 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.89 crore, total operating income of Rs. 28.26 crore, impairment charge/(reversal) of Rs. 8.24 crore, net operating income of Rs. 20.02 crore, operating expenses of Rs. 13.13 crore, operating profit of Rs. 6.9 crore, non-operating income/(expense) of Rs. 0.34 crore, profit before income tax of Rs. 7.24 crore, income tax expense of Rs. 2.17 crore and profit for the year of Rs. 5.07 crore.
Reported under net interest income: interest income of Rs. 39.28 crore and interest expense of Rs. 15.81 crore. Reported under net fee and commission income: fee and commission income of Rs. 3.9 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 9.65 crore, other operating expenses of Rs. 3.32 crore and depreciation & amortisation of Rs. 0.17 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.34 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 2.17 crore and deferred tax of Rs. 0 crore.
ALBSL quarterly for Q2 2082/83
In the quarter Q2 2082/83, Asha Laghubitta Bittiya Sanstha Ltd reported net interest income of Rs. 21.37 crore, net fee and commission income of Rs. 4.03 crore, net trading income of Rs. 0 crore, other operating income of Rs. 1.69 crore, total operating income of Rs. 27.09 crore, impairment charge/(reversal) of Rs. 2.26 crore, net operating income of Rs. 24.82 crore, operating expenses of Rs. 10.08 crore, operating profit of Rs. 14.74 crore, non-operating income/(expense) of Rs. 0.01 crore, profit before income tax of Rs. 14.75 crore, income tax expense of Rs. 4.43 crore and profit for the year of Rs. 10.33 crore.
Reported under net interest income: interest income of Rs. 37.19 crore and interest expense of Rs. 15.82 crore. Reported under net fee and commission income: fee and commission income of Rs. 4.1 crore and fee and commission expense of Rs. 0.06 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 7.14 crore, other operating expenses of Rs. 2.8 crore and depreciation & amortisation of Rs. 0.15 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.01 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 4.43 crore and deferred tax of Rs. 0 crore.
ALBSL quarterly for Q1 2082/83
In the quarter Q1 2082/83, Asha Laghubitta Bittiya Sanstha Ltd reported net interest income of Rs. 17.38 crore, net fee and commission income of Rs. 2.37 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.6 crore, total operating income of Rs. 20.35 crore, impairment charge/(reversal) of Rs. 5.66 crore, net operating income of Rs. 14.69 crore, operating expenses of Rs. 11.51 crore, operating profit of Rs. 3.18 crore, non-operating income/(expense) of Rs. 0.01 crore, profit before income tax of Rs. 3.19 crore, income tax expense of Rs. 0.96 crore and profit for the year of Rs. 2.23 crore.
Reported under net interest income: interest income of Rs. 34.56 crore and interest expense of Rs. 17.17 crore. Reported under net fee and commission income: fee and commission income of Rs. 2.38 crore and fee and commission expense of Rs. 0.01 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 8.22 crore, other operating expenses of Rs. 3.14 crore and depreciation & amortisation of Rs. 0.15 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.01 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 0.96 crore and deferred tax of Rs. 0 crore.
ALBSL quarterly for Q3 2081/82
In the quarter Q3 2081/82, Asha Laghubitta Bittiya Sanstha Ltd reported net interest income of Rs. 16.8 crore, net fee and commission income of Rs. 3.17 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.8 crore, total operating income of Rs. 20.77 crore, impairment charge/(reversal) of Rs. 2.36 crore, net operating income of Rs. 18.41 crore, operating expenses of Rs. 12.11 crore, operating profit of Rs. 6.3 crore, non-operating income/(expense) of Rs. 0.31 crore, profit before income tax of Rs. 5.99 crore, income tax expense of Rs. 1.8 crore and profit for the year of Rs. 4.2 crore.
Reported under net interest income: interest income of Rs. 33.93 crore and interest expense of Rs. 17.14 crore. Reported under net fee and commission income: fee and commission income of Rs. 3.23 crore and fee and commission expense of Rs. 0.06 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 8.84 crore, other operating expenses of Rs. 3.12 crore and depreciation & amortisation of Rs. 0.15 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.03 crore and non-operating expense of Rs. 0.33 crore. Reported under income tax expense: current tax of Rs. 1.8 crore and deferred tax of Rs. 0 crore.
ALBSL Profit & Loss
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 | 2076/77 |
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| Net Interest Income | 75.4 | 44.1 | 23.7 | 32.1 | 26.6 | 16.9 |
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| Interest Income | 149 | 134 | 73.6 | 67.8 | 44.8 | 36.5 |
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| Interest Expense | -73.4 | -90.2 | -49.8 | -35.7 | -18.2 | -19.6 |
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| Net Fee and Commission Income | 9.6 | 7.9 | 4.5 | 4.7 | 8.8 | 5.1 |
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| Fee and Commission Income | 9.8 | 8.5 | 5.1 | 5.1 | 8.8 | 5.1 |
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| Fee and Commission Expense | -0.21 | -0.63 | -0.64 | -0.37 | 0.00 | 0.00 |
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| Net Trading Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
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| Other Operating Income | 4.0 | 5.0 | 1.4 | 2.1 | 0.00 | 0.00 |
|---|
| Total Operating Income | 89.0 | 57.0 | 29.6 | 38.9 | 35.3 | 22.1 |
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| Impairment Charge/(Reversal) | -26.7 | 1.4 | -5.0 | -4.3 | -0.83 | -2.5 |
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| Net Operating Income | 62.3 | 58.4 | 24.6 | 34.6 | 34.5 | 19.6 |
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| Operating Expenses | -46.2 | -45.8 | -22.6 | -20.2 | -17.0 | -12.9 |
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| Operating Expense - Personnel Expenses | -32.4 | -32.8 | -15.5 | -14.4 | -12.2 | -9.1 |
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| Other Operating Expenses | -13.2 | -12.3 | -6.9 | -5.4 | -4.8 | -3.8 |
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| Depreciation & Amortisation | -0.61 | -0.61 | -0.28 | -0.39 | Not reported | Not reported |
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| Operating Profit | 16.1 | 12.6 | 1.9 | 14.5 | 17.5 | 6.7 |
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| Non-Operating Income/(Expense) | -0.27 | 0.10 | 0.02 | 0.03 | 0.06 | 0.03 |
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| Non-Operating Income | 0.07 | 0.10 | 0.02 | 0.03 | 0.06 | 0.03 |
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| Non-Operating Expense | -0.34 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
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| Profit Before Income Tax | 15.8 | 12.7 | 2.0 | 14.5 | 17.6 | 6.7 |
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| Income Tax Expense | -5.5 | -4.3 | -1.9 | -4.5 | -5.3 | -2.0 |
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| Current Tax | -5.8 | -4.5 | -2.2 | -4.8 | -5.5 | -2.2 |
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| Deferred Tax | 0.22 | 0.19 | 0.30 | 0.30 | 0.20 | 0.15 |
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| Profit for the Year | 10.3 | 8.5 | 0.01 | 10.0 | 12.3 | 4.7 |
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ALBSL Balance Sheet
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 |
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| Total Assets | 1,102 | 1,047 | 941 | 518 |
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| Cash and Cash Equivalents | 50.3 | 70.1 | 36.3 | 15.9 |
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| Due from Nepal Rastra Bank | 5.0 | 4.7 | 4.2 | 2.3 |
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| Placement with Banks and FIs | 0.00 | 0.00 | 0.00 | 0.00 |
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| Derivative Financial Instruments | 0.00 | 0.00 | 0.00 | 0.00 |
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| Other Trading Assets | 0.00 | 0.00 | 0.00 | 0.00 |
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| Loans and Advances to Banks and FIs | 0.00 | 0.00 | 0.00 | 0.00 |
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| Loans and Advances to Customers | 1,030 | 956 | 893 | 496 |
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| Investment Securities | 0.07 | 0.00 | 0.00 | 0.00 |
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| Current Tax Assets | 2.0 | 0.00 | 1.4 | 0.96 |
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| Investment in Subsidiaries | 0.00 | 0.00 | 0.00 | 0.00 |
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| Investment in Associates | 0.00 | 0.00 | 0.00 | 0.00 |
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| Investment Property | 0.13 | 0.13 | 0.13 | 0.00 |
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| Property and Equipment | 2.3 | 2.3 | 2.5 | 1.1 |
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| Goodwill and Intangible Assets | 1.2 | 1.3 | 1.3 | 0.03 |
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| Deferred Tax Assets | 2.3 | 1.7 | 1.4 | 0.96 |
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| Other Assets | 9.1 | 11.7 | 0.62 | 0.43 |
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| Total Liabilities | 987 | 941 | 842 | 461 |
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| Due to Banks and FIs | 0.00 | 0.00 | 0.00 | 0.00 |
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| Due to Nepal Rastra Bank | 0.00 | 0.00 | 0.00 | 4.0 |
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| Derivative Financial Instruments | 0.00 | 0.00 | 0.00 | 0.00 |
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| Deposits from Customers | 321 | 280 | 282 | 173 |
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| Borrowings | 645 | 639 | 547 | 274 |
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| Current Tax Liabilities | 0.00 | 1.8 | 0.00 | 0.00 |
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| Provisions | 0.00 | 0.00 | 0.00 | 0.00 |
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| Deferred Tax Liabilities | 0.00 | 0.00 | 0.00 | 0.00 |
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| Other Liabilities | 20.8 | 19.0 | 12.5 | 10.1 |
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| Debt Securities Issued | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Subordinated Liabilities | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Total Equity | 115 | 107 | 99.0 | 57.1 |
|---|
| Share Capital | 73.3 | 64.2 | 64.2 | 33.4 |
|---|
| Share Premium | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Retained Earnings | 8.2 | 10.1 | 10.2 | 10.2 |
|---|
| Reserves | 33.3 | 32.6 | 24.7 | 13.5 |
|---|
| Non Controlling Interest | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
ALBSL Cash Flow
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 |
|---|
| Net Cash Flow from Operating Activities (A) | -24.7 | 40.8 | -6.1 | 6.5 |
|---|
| Interest Received | 146 | 134 | 73.5 | 67.0 |
|---|
| Fees and Other Income Received | 9.8 | 8.5 | 5.1 | 5.1 |
|---|
| Dividend Received | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Receipts from Other Operating Activities | 4.1 | 5.1 | 1.5 | 2.2 |
|---|
| Interest Paid | -73.4 | -90.2 | -49.8 | -35.7 |
|---|
| Commission and Fees Paid | -0.21 | -0.63 | -0.64 | -0.37 |
|---|
| Cash Payment to Employees | -32.4 | -32.8 | -15.2 | -12.4 |
|---|
| Other Expense Paid | -13.6 | -12.3 | -6.9 | -5.5 |
|---|
| Operating Cash Flows Before Changes in Operating Assets and Liabilities | 40.5 | 11.4 | 7.6 | 20.2 |
|---|
| Due from Nepal Rastra Bank | -0.31 | -0.47 | 0.89 | -0.47 |
|---|
| Placement with Banks and Financial Institutions | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Other Trading Assets | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Loan and Advances to Banks and Financial Institutions | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Loan and Advances to Customers | -98.2 | -60.7 | -37.5 | -113 |
|---|
| Other Assets | 8.4 | -2.6 | 0.25 | -0.84 |
|---|
| Due to Banks and Financial Institutions | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Due to Nepal Rastra Bank | 0.00 | 0.00 | -4.0 | -1.0 |
|---|
| Deposit from Customers | 40.8 | -2.0 | 25.3 | 44.5 |
|---|
| Borrowings | 5.9 | 92.8 | 16.5 | 59.0 |
|---|
| Other Liabilities | -13.8 | 5.2 | -13.0 | 2.9 |
|---|
| Net Cash Flow from Operating Activities Before Tax Paid | -16.9 | 43.5 | -3.9 | 11.2 |
|---|
| Income Taxes Paid | -7.8 | -2.7 | -2.2 | -4.8 |
|---|
| Net Cash Flow from Investing Activities (B) | -0.69 | -0.47 | -0.12 | -0.17 |
|---|
| Purchase of Investment Securities | -0.07 | 0.00 | 0.00 | 0.00 |
|---|
| Receipts from Sale of Investment Securities | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Purchase of Property and Equipment | -0.62 | -0.47 | -0.12 | -0.17 |
|---|
| Receipt from Sale of Property and Equipment | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Purchase of Intangible Assets | 0.00 | 0.00 | 0.00 | -0.01 |
|---|
| Receipt from Sale of Intangible Assets | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Purchase of Investment Properties | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Receipt from Sale of Investment Properties | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Interest Received | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Dividend Received | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
ALBSL Quarterly Results
Values in Rs. Crore unless stated otherwise.
| Particulars | Q3 2082/83 | Q2 2082/83 | Q1 2082/83 | Q3 2081/82 | Q2 2081/82 | Q1 2081/82 | Q4 2080/81 | Q3 2080/81 | Q2 2080/81 | Q1 2080/81 |
|---|
| Net Interest Income | 23.5 | 21.4 | 17.4 | 16.8 | 21.1 | 12.9 | 12.5 | 17.3 | 8.1 | 6.2 |
|---|
| Interest Income | 39.3 | 37.2 | 34.6 | 33.9 | 39.5 | 33.0 | 34.2 | 40.2 | 30.8 | 28.9 |
|---|
| Interest Expense | -15.8 | -15.8 | -17.2 | -17.1 | -18.4 | -20.2 | -21.7 | -23.0 | -22.7 | -22.7 |
|---|
| Net Fee and Commission Income | 3.9 | 4.0 | 2.4 | 3.2 | 2.6 | 2.4 | 1.6 | 3.6 | 2.8 | 2.3 |
|---|
| Fee and Commission Income | 3.9 | 4.1 | 2.4 | 3.2 | 2.6 | 2.5 | 1.7 | 3.6 | 3.0 | 2.6 |
|---|
| Fee and Commission Expense | -0.00 | -0.06 | -0.01 | -0.06 | -0.00 | -0.10 | -0.11 | -0.09 | -0.16 | -0.27 |
|---|
| Net Trading Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Other Operating Income | 0.89 | 1.7 | 0.60 | 0.80 | 1.0 | 0.89 | 1.1 | 3.0 | 0.87 | 0.07 |
|---|
| Total Operating Income | 28.3 | 27.1 | 20.4 | 20.8 | 24.7 | 16.2 | 15.2 | 23.8 | 11.8 | 8.6 |
|---|
| Impairment Charge/(Reversal) | -8.2 | -2.3 | -5.7 | -2.4 | -4.5 | -8.6 | -2.8 | -1.0 | -0.24 | -1.2 |
|---|
| Net Operating Income | 20.0 | 24.8 | 14.7 | 18.4 | 20.2 | 7.6 | 12.4 | 22.8 | 11.6 | 7.4 |
|---|
| Operating Expenses | -13.1 | -10.1 | -11.5 | -12.1 | -11.4 | -13.0 | -9.4 | -13.9 | -12.2 | -10.1 |
|---|
| Operating Expense - Personnel Expenses | -9.6 | -7.1 | -8.2 | -8.8 | -8.1 | -9.7 | -7.2 | -10.9 | -9.2 | -7.0 |
|---|
| Other Operating Expenses | -3.3 | -2.8 | -3.1 | -3.1 | -3.2 | -3.1 | -2.1 | -2.8 | -2.8 | -2.9 |
|---|
| Depreciation & Amortisation | -0.17 | -0.15 | -0.15 | -0.15 | -0.15 | -0.15 | -0.15 | -0.16 | -0.15 | -0.15 |
|---|
| Operating Profit | 6.9 | 14.7 | 3.2 | 6.3 | 8.7 | -5.3 | 3.0 | 8.8 | -0.66 | -2.7 |
|---|
| Non-Operating Income/(Expense) | 0.34 | 0.01 | 0.01 | -0.31 | 0.00 | 0.01 | 0.04 | 0.01 | 0.01 | 0.04 |
|---|
| Non-Operating Income | 0.34 | 0.01 | 0.01 | 0.03 | 0.01 | 0.01 | 0.04 | 0.01 | 0.01 | 0.04 |
|---|
| Non-Operating Expense | 0.00 | 0.00 | 0.00 | -0.33 | -0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Profit Before Income Tax | 7.2 | 14.8 | 3.2 | 6.0 | 8.7 | -5.3 | 3.0 | 8.8 | -0.65 | -2.6 |
|---|
| Income Tax Expense | -2.2 | -4.4 | -0.96 | -1.8 | -1.0 | 0.00 | -0.91 | -1.7 | 0.00 | 0.00 |
|---|
| Current Tax | -2.2 | -4.4 | -0.96 | -1.8 | -1.0 | 0.00 | -0.91 | -1.7 | 0.00 | 0.00 |
|---|
| Deferred Tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Profit for the Year | 5.1 | 10.3 | 2.2 | 4.2 | 7.7 | -5.3 | 2.1 | 7.2 | -0.65 | -2.6 |
|---|
Asha share price history
Over the last 15 trading sessions ALBSL closed between Rs. 1,084.00 and Rs. 1,215.00, finishing at Rs. 1,192.00 on 2026-09-22 against Rs. 1,086.50 on 2026-08-26.
| Date | Open | High | Low | Close | Volume |
|---|
| 2026-09-22 | 1,173.00 | 1,220.00 | 1,172.00 | 1,192.00 | 13,999 |
|---|
| 2026-09-18 | 1,175.00 | 1,245.00 | 1,155.00 | 1,190.00 | 20,927 |
|---|
| 2026-09-17 | 1,180.00 | 1,215.00 | 1,180.00 | 1,215.00 | 23,605 |
|---|
| 2026-09-16 | 1,180.00 | 1,239.00 | 1,167.00 | 1,193.00 | 26,915 |
|---|
| 2026-09-15 | 1,220.00 | 1,225.00 | 1,190.00 | 1,210.00 | 33,860 |
|---|
| 2026-09-14 | 1,122.00 | 1,201.00 | 1,122.00 | 1,192.10 | 50,848 |
|---|
| 2026-09-11 | 1,078.00 | 1,158.00 | 1,078.00 | 1,156.00 | 64,777 |
|---|
| 2026-09-10 | 1,095.00 | 1,111.50 | 1,090.00 | 1,108.80 | 6,569 |
|---|
| 2026-09-09 | 1,071.00 | 1,135.00 | 1,071.00 | 1,114.00 | 18,823 |
|---|
| 2026-09-07 | 1,150.00 | 1,150.00 | 1,097.00 | 1,102.10 | 13,298 |
|---|
| 2026-09-03 | 1,060.00 | 1,190.00 | 1,060.00 | 1,190.00 | 13,128 |
|---|
| 2026-09-02 | 1,070.00 | 1,100.00 | 1,070.00 | 1,098.90 | 4,295 |
|---|
| 2026-09-01 | 1,065.00 | 1,110.00 | 1,065.00 | 1,110.00 | 13,867 |
|---|
| 2026-08-31 | 1,071.00 | 1,084.00 | 1,060.10 | 1,084.00 | 1,215 |
|---|
| 2026-08-26 | 1,065.00 | 1,130.00 | 1,065.00 | 1,086.50 | 15,197 |
|---|
ALBSL share price by year
2026, between Rs. 1,010.00 and Rs. 1,334.00, 2025, between Rs. 704.11 and Rs. 1,210.00, 2024, between Rs. 493.11 and Rs. 940.82, 2023, between Rs. 434.04 and Rs. 810.60, 2022, between Rs. 611.53 and Rs. 1,224.05 and 2021, between Rs. 551.17 and Rs. 1,175.75.
| Year | Low (Rs.) | High (Rs.) | Sessions |
|---|
| 2026 | 1,010.00 | 1,334.00 | 168 |
|---|
| 2025 | 704.11 | 1,210.00 | 224 |
|---|
| 2024 | 493.11 | 940.82 | 232 |
|---|
| 2023 | 434.04 | 810.60 | 227 |
|---|
| 2022 | 611.53 | 1,224.05 | 242 |
|---|
| 2021 | 551.17 | 1,175.75 | 239 |
|---|
| 2020 | 230.64 | 559.56 | 183 |
|---|
| 2019 | 130.33 | 247.18 | 196 |
|---|
Asha share price returns
At Rs. 1,192.00 on 2026-09-22, ALBSL is down 1.49% over 1 week, up 10.47% over 1 month, up 10.37% over 3 months, down 7.88% over 6 months, up 26.16% over 1 year and up 28.17% over 5 years. Each return compares that close with the last close on or before the same date in the earlier period.
| Period | Return | From price (Rs.) | From date |
|---|
| 1 week | -1.49% | 1,210.00 | 2026-09-15 |
|---|
| 1 month | +10.47% | 1,079.00 | 2026-08-21 |
|---|
| 3 months | +10.37% | 1,080.00 | 2026-06-24 |
|---|
| 6 months | -7.88% | 1,293.90 | 2026-03-26 |
|---|
| 1 year | +26.16% | 944.85 | 2025-09-21 |
|---|
| 5 years | +28.17% | 929.99 | 2021-09-23 |
|---|
ALBSL floorsheet for 2026-09-22
ALBSL traded 134 times on 2026-09-22, moving 12,075 shares for Rs. 1.44 crore of turnover. Trades went through between Rs. 1,158.00 and Rs. 1,220.00.
Largest buyers by volume: broker 96, Himalayan Securities Limited on 2,518 shares across 24 trades, broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 2,173 shares across 42 trades, broker 91, C.B.I.L. Securities Limited on 2,016 shares across 2 trades, broker 74, Kalash Stock Market Pvt. Ltd. on 1,100 shares across 3 trades, broker 1, Kumari Securities Pvt. Limited on 1,000 shares across 3 trades, broker 56, Sri Hari Securities Pvt.Ltd on 900 shares across 7 trades, broker 34, Vision Securities Pvt.Limited on 430 shares across 5 trades, broker 59, Deevyaa Securities & Stock House Pvt. Ltd on 365 shares across 5 trades, broker 98, Trademow Securities Private Limited on 301 shares across 6 trades and broker 48, Trishakti Securities Public Limited on 259 shares across 1 trades.
Largest sellers by volume: broker 45, Imperial Securities Co. Limited on 3,094 shares across 28 trades, broker 91, C.B.I.L. Securities Limited on 2,016 shares across 2 trades, broker 42, Sani Securities Company Limited on 1,147 shares across 7 trades, broker 60, Nagarik Stock Dealer Company Ltd. on 1,000 shares across 2 trades, broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 843 shares across 10 trades, broker 49, Online Securities Limited on 547 shares across 8 trades, broker 40, Creative Securities Pvt.Limited on 500 shares across 3 trades, broker 7, J.F. Securities Company Pvt. Limited on 452 shares across 6 trades, broker 98, Trademow Securities Private Limited on 294 shares across 6 trades and broker 56, Sri Hari Securities Pvt.Ltd on 261 shares across 5 trades.
ALBSL dividend history: bonus shares and cash dividend
Asha Laghubitta Bittiya Sanstha Ltd most recently declared a 9.5% bonus share issue for 2081/2082, announced on 2025-11-28. Percentages are of paid up value. Declared, not necessarily paid: a dividend is subject to the annual general meeting approving it.
| Financial year | Bonus share | Cash dividend | Announced |
|---|
| 2081/2082 | 9.5% | | 2025-11-28 |
| 2080/2081 | 14.25% | | 2024-10-24 |
| 2078/2079 | 14.2857% | 0.7143% | 2023-02-28 |
For 2081/2082 Asha Laghubitta Bittiya Sanstha Ltd declared a 9.5% bonus share issue, announced on 2025-11-28.
For 2080/2081 Asha Laghubitta Bittiya Sanstha Ltd declared a 14.25% bonus share issue, announced on 2024-10-24.
For 2078/2079 Asha Laghubitta Bittiya Sanstha Ltd declared a 14.2857% bonus share issue and a 0.7143% cash dividend, 15% in total, announced on 2023-02-28.
ALBSL general meetings
Annual and special general meetings Asha Laghubitta Bittiya Sanstha Ltd has called. A dividend is declared by the board and approved at the AGM.
- 9th AGM for 2081/2082: on 2025-12-19, at Hotel Araniko Pvt.Ltd., Dhulikhel-6, Dhulikhel, Kavrepalanchowk (2:00 PM)
- 8th AGM for 2080/2081: on 2024-11-22, at Hotel Ugrachandi, Banepa-7, Banepa Bazar, Kavrepalanchowk (3:00 PM)
- 7th AGM for 2079/2080: on 2024-05-22, at Hotel Ugrachandi, Banepa-7, Banepa Bazar, Kavrepalanchowk (11:00 AM)
6 years of annual statements and 10 quarters of results for ALBSL, with charts and peer comparison, are free on NepView.
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