Asha (ALBSL) share price is Rs. 1,165.10, down 2.50% on 2026-10-13. Open Rs. 1,167.00. High Rs. 1,197.90. Low Rs. 1,165.10. Volume 11,870.
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.
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.
| Market Cap | Rs. 935.21 Crore |
|---|---|
| P/E Ratio | 91.12 |
| P/E Ratio (TTM) | 35.70 |
| EPS | Rs. 12.79 |
| EPS (TTM) | Rs. 32.63 |
| Book Value | Rs. 143.05 |
| Dividend Yield | 0.04% |
| Face Value | Rs. 100.00 |
| 52 Week High | Rs. 1,334.00 |
| 52 Week Low | Rs. 849.32 |
What Asha Laghubitta Bittiya Sanstha Ltd's own accounts show in its favour, graded against the rest of its sector.
What the same accounts show against it. Both lists are computed from the filed figures, not opinion, and are not advice.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 | 2076/77 |
|---|---|---|---|---|---|---|
| Net Interest Income | 75.4 | 44.1 | 23.7 | 32.1 | 26.6 | 16.9 |
| Interest Income | 149 | 134 | 73.6 | 67.8 | 44.8 | 36.5 |
| Interest Expense | -73.4 | -90.2 | -49.8 | -35.7 | -18.2 | -19.6 |
| Net Fee and Commission Income | 9.6 | 7.9 | 4.5 | 4.7 | 8.8 | 5.1 |
| Fee and Commission Income | 9.8 | 8.5 | 5.1 | 5.1 | 8.8 | 5.1 |
| Fee and Commission Expense | -0.21 | -0.63 | -0.64 | -0.37 | 0.00 | 0.00 |
| Net Trading Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| 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 |
| Impairment Charge/(Reversal) | -26.7 | 1.4 | -5.0 | -4.3 | -0.83 | -2.5 |
| Net Operating Income | 62.3 | 58.4 | 24.6 | 34.6 | 34.5 | 19.6 |
| Operating Expenses | -46.2 | -45.8 | -22.6 | -20.2 | -17.0 | -12.9 |
| Operating Expense - Personnel Expenses | -32.4 | -32.8 | -15.5 | -14.4 | -12.2 | -9.1 |
| Other Operating Expenses | -13.2 | -12.3 | -6.9 | -5.4 | -4.8 | -3.8 |
| Depreciation & Amortisation | -0.61 | -0.61 | -0.28 | -0.39 | Not reported | Not reported |
| Operating Profit | 16.1 | 12.6 | 1.9 | 14.5 | 17.5 | 6.7 |
| Non-Operating Income/(Expense) | -0.27 | 0.10 | 0.02 | 0.03 | 0.06 | 0.03 |
| Non-Operating Income | 0.07 | 0.10 | 0.02 | 0.03 | 0.06 | 0.03 |
| Non-Operating Expense | -0.34 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit Before Income Tax | 15.8 | 12.7 | 2.0 | 14.5 | 17.6 | 6.7 |
| Income Tax Expense | -5.5 | -4.3 | -1.9 | -4.5 | -5.3 | -2.0 |
| Current Tax | -5.8 | -4.5 | -2.2 | -4.8 | -5.5 | -2.2 |
| Deferred Tax | 0.22 | 0.19 | 0.30 | 0.30 | 0.20 | 0.15 |
| Profit for the Year | 10.3 | 8.5 | 0.01 | 10.0 | 12.3 | 4.7 |
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 |
|---|---|---|---|---|
| Total Assets | 1,102 | 1,047 | 941 | 518 |
| Cash and Cash Equivalents | 50.3 | 70.1 | 36.3 | 15.9 |
| Due from Nepal Rastra Bank | 5.0 | 4.7 | 4.2 | 2.3 |
| Placement with Banks and FIs | 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 |
| Loans and Advances to Banks and FIs | 0.00 | 0.00 | 0.00 | 0.00 |
| Loans and Advances to Customers | 1,030 | 956 | 893 | 496 |
| Investment Securities | 0.07 | 0.00 | 0.00 | 0.00 |
| Current Tax Assets | 2.0 | 0.00 | 1.4 | 0.96 |
| Investment in Subsidiaries | 0.00 | 0.00 | 0.00 | 0.00 |
| Investment in Associates | 0.00 | 0.00 | 0.00 | 0.00 |
| Investment Property | 0.13 | 0.13 | 0.13 | 0.00 |
| Property and Equipment | 2.3 | 2.3 | 2.5 | 1.1 |
| Goodwill and Intangible Assets | 1.2 | 1.3 | 1.3 | 0.03 |
| Deferred Tax Assets | 2.3 | 1.7 | 1.4 | 0.96 |
| Other Assets | 9.1 | 11.7 | 0.62 | 0.43 |
| Total Liabilities | 987 | 941 | 842 | 461 |
| Due to Banks and FIs | 0.00 | 0.00 | 0.00 | 0.00 |
| Due to Nepal Rastra Bank | 0.00 | 0.00 | 0.00 | 4.0 |
| Derivative Financial Instruments | 0.00 | 0.00 | 0.00 | 0.00 |
| Deposits from Customers | 321 | 280 | 282 | 173 |
| Borrowings | 645 | 639 | 547 | 274 |
| Current Tax Liabilities | 0.00 | 1.8 | 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 | 20.8 | 19.0 | 12.5 | 10.1 |
| 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 |
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 |
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 |
Over the last 15 trading sessions ALBSL closed between Rs. 1,165.10 and Rs. 1,195.00, finishing at Rs. 1,165.10 on 2026-10-13 against Rs. 1,192.00 on 2026-09-22.
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| 2026-10-13 | 1,167.00 | 1,197.90 | 1,165.10 | 1,165.10 | 11,870 |
| 2026-10-12 | 1,165.00 | 1,195.00 | 1,164.10 | 1,195.00 | 6,491 |
| 2026-10-09 | 1,165.00 | 1,186.00 | 1,165.00 | 1,180.00 | 2,660 |
| 2026-10-08 | 1,165.00 | 1,183.00 | 1,165.00 | 1,182.00 | 17,930 |
| 2026-10-07 | 1,166.00 | 1,191.90 | 1,165.00 | 1,180.00 | 5,909 |
| 2026-10-06 | 1,167.00 | 1,189.90 | 1,165.00 | 1,187.90 | 13,186 |
| 2026-10-05 | 1,165.00 | 1,194.00 | 1,165.00 | 1,181.40 | 4,277 |
| 2026-10-02 | 1,165.00 | 1,190.90 | 1,165.00 | 1,189.00 | 5,712 |
| 2026-10-01 | 1,166.00 | 1,200.00 | 1,166.00 | 1,186.00 | 4,170 |
| 2026-09-30 | 1,170.00 | 1,199.00 | 1,170.00 | 1,189.00 | 16,883 |
| 2026-09-29 | 1,170.00 | 1,194.90 | 1,170.00 | 1,189.00 | 18,971 |
| 2026-09-28 | 1,166.00 | 1,199.00 | 1,166.00 | 1,188.50 | 13,539 |
| 2026-09-24 | 1,165.30 | 1,198.00 | 1,161.00 | 1,174.40 | 1,642 |
| 2026-09-23 | 1,174.00 | 1,208.00 | 1,174.00 | 1,194.00 | 19,673 |
| 2026-09-22 | 1,173.00 | 1,220.00 | 1,172.00 | 1,192.00 | 13,999 |
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 | 182 |
| 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 |
At Rs. 1,165.10 on 2026-10-13, ALBSL is down 1.92% over 1 week, up 0.79% over 1 month, up 10.75% over 3 months, up 0.64% over 6 months, up 29.00% over 1 year and up 21.13% 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 | -1.92% | 1,187.90 | 2026-10-06 |
| 1 month | +0.79% | 1,156.00 | 2026-09-11 |
| 3 months | +10.75% | 1,052.00 | 2026-07-15 |
| 6 months | +0.64% | 1,157.70 | 2026-04-16 |
| 1 year | +29.00% | 903.20 | 2025-10-13 |
| 5 years | +21.13% | 961.89 | 2021-10-11 |
ALBSL traded 69 times on 2026-10-13, moving 11,870 shares for Rs. 1.39 crore of turnover. Trades went through between Rs. 1,155.00 and Rs. 1,197.90.
Largest buyers by volume: broker 58, Naasa Securities Co. Ltd. on 4,535 shares across 8 trades, broker 50, Crystal Kanchenjunga Securities Pvt.Ltd on 3,000 shares across 2 trades, broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 1,770 shares across 20 trades, broker 42, Sani Securities Company Limited on 1,100 shares across 6 trades, broker 70, Infinity Securities Limited on 470 shares across 2 trades, broker 62, Capital Max Securities Limited on 318 shares across 3 trades, broker 56, Sri Hari Securities Pvt.Ltd on 200 shares across 6 trades, broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 122 shares across 5 trades, broker 10, Pragyan Securities Pvt. Limited on 100 shares across 1 trades and broker 74, Kalash Stock Market Pvt. Ltd. on 81 shares across 8 trades.
Largest sellers by volume: broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 7,988 shares across 8 trades, broker 86, Stoxkarts Securities Limited on 1,500 shares across 8 trades, broker 54, Sewa Securities Pvt. Ltd. on 1,071 shares across 6 trades, broker 98, Trademow Securities Private Limited on 425 shares across 3 trades, broker 44, Dynamic Money Managers Securities Pvt.Ltd on 160 shares across 5 trades, broker 49, Online Securities Limited on 142 shares across 4 trades, broker 74, Kalash Stock Market Pvt. Ltd. on 140 shares across 4 trades, broker 45, Imperial Securities Co. Limited on 122 shares across 8 trades, broker 17, ABC Securities Pvt. Limited on 67 shares across 4 trades and broker 61, Bhole Ganesh Securities Limited on 50 shares across 1 trades.
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.
Annual and special general meetings Asha Laghubitta Bittiya Sanstha Ltd has called. A dividend is declared by the board and approved at the AGM.
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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