Chhimek Laghubitta Bittiya Sanstha Limited (CBBL) Share Price & Fundamentals

Chhimek (CBBL) share price is Rs. 960.10, up 0.01% on 2026-09-22. Open Rs. 912.00. High Rs. 965.00. Low Rs. 912.00. Volume 47,829.

Chhimek Laghubitta Bittiya Sanstha Limited is a NEPSE-listed company (CBBL), Microfinance sector. Revenue: Rs. 316.82 Crore. Net profit: Rs. 121.54 Crore. Net worth: Rs. 828.21 Crore.

About Chhimek Laghubitta Bittiya Sanstha Limited

Chhimek Laghubitta Bittiya Sanstha Limited ("CLBSL"/CBBL) is a "D"-class microfinance institution incorporated in September 2001 and licensed by Nepal Rastra Bank in November 2001. It grew out of microfinance work carried out since the 1990s by Neighborhood Society Service Centre (NSSC), a national NGO, in Mahottari and Chitwan. CBBL provides savings, credit, and social-security services aimed at poor and marginalized women, and is promoted by several commercial banks (including Himalayan Bank and Global IME Bank) alongside NSSC and individual shareholders. Its shares have traded on NEPSE since December 2004.

Chhimek Laghubitta Bittiya Sanstha Limited (CBBL) has 3,61,72,641 shares outstanding. It listed on NEPSE in 2004. Its most recent declared dividend was 12.50% on face value.

CBBL key metrics

Market Cap	Rs. 3,472.94 Crore
P/E Ratio	28.57
P/E Ratio (TTM)	26.74
EPS	Rs. 33.60
EPS (TTM)	Rs. 35.91
Book Value	Rs. 228.96
Dividend Yield	1.30%
Face Value	Rs. 100.00
52 Week High	Rs. 1,015.10
52 Week Low	Rs. 837.78
Listed Since	2004

CBBL strengths

What Chhimek Laghubitta Bittiya Sanstha Limited's own accounts show in its favour, graded against the rest of its sector.

Bad-loan charges come to -0.1% of income, so borrowers are paying back well. (Asset Quality)
16.1% of what the bank owns belongs to shareholders rather than depositors and lenders. (Capital Strength)
Earns 2.4% a year on everything the bank owns, so its loans and investments are working well. (Profitability)
Makes 5.5% on its assets from the gap between what it charges borrowers and pays savers. (Margins & Income Quality)
Owns 6.22x for every rupee shareholders put in, a modest multiple that limits risk. (Capital Strength)
Turns 38.1% of its income into profit once every cost is paid. (Profitability)
88.3% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
Keeps 53.3% of income as profit from everyday banking, before tax. (Profitability)
Each share is backed by Rs 228.96 of the bank's own net worth. (Shareholder Returns)
Earns 14.7% a year on the money shareholders put in, which is the return owners actually receive. (Profitability)
Each share earned Rs 35.91 of profit over the year. (Shareholder Returns)
91.2% of its funding comes from customer deposits, which are cheap and stable. (Liquidity & Funding)
The loan book grew 14% on last year, so more money is being put to work. (Growth)
Customer deposits grew 16.9% on last year, giving it more cheap money to lend. (Growth)
The bank grew 11.6% bigger over the year. (Shareholder Returns)

CBBL weaknesses

What the same accounts show against it. Both lists are computed from the filed figures, not opinion, and are not advice.

Profit moved 6.9% on last year, so earnings are not building up. (Growth)
Staff costs take 34.7% of income, a heavy load on earnings. (Efficiency)
Loans are 77.8% of what the bank owns, so most of its risk sits in lending. (Asset Quality)
Income from lending moved 6.3%, so the core business is not growing. (Growth)
7% of funding is borrowed, which costs more and can dry up in a crisis. (Liquidity & Funding)
Only 11.7% of income comes from fees, so it leans heavily on lending. (Margins & Income Quality)
Total income moved 7.6% on last year. (Growth)

CBBL Q3 2082/83 results

In Q3 2082/83 Chhimek Laghubitta Bittiya Sanstha Limited reported profit of Rs. 33.04 crore and total operating income of Rs. 85.67 crore. Profit in Q2 2082/83 was Rs. 30.71 crore. Profit grew 7.58% on the previous quarter. Total operating income grew 6.78% on the previous quarter. Profit in Q3 2081/82, the same quarter a year earlier, was Rs. 34.17 crore. Profit fell 3.32% on the same quarter last year. Total operating income grew 7.37% on the same quarter last year.

CBBL annual results 2081/82

For the financial year 2081/82 Chhimek Laghubitta Bittiya Sanstha Limited reported net profit of Rs. 121.54 crore, total operating income of Rs. 316.82 crore and net worth of Rs. 828.21 crore. Net profit in 2080/81 was Rs. 94.44 crore. Net profit grew 28.70% on the year. Total operating income grew 2.51% on the year.

CBBL profit and loss for 2081/82

In the financial year 2081/82, Chhimek Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 282.94 crore, net fee and commission income of Rs. 33.62 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.26 crore, total operating income of Rs. 316.82 crore, impairment charge/(reversal) of Rs. 9.99 crore, net operating income of Rs. 306.83 crore, operating expenses of Rs. 134.12 crore, operating profit of Rs. 172.71 crore, non-operating income/(expense) of Rs. 2.83 crore, profit before income tax of Rs. 175.55 crore, income tax expense of Rs. 54 crore and profit for the year of Rs. 121.54 crore.

Reported under net interest income: interest income of Rs. 613.22 crore and interest expense of Rs. 330.28 crore. Reported under net fee and commission income: fee and commission income of Rs. 33.68 crore and fee and commission expense of Rs. 0.06 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 111.15 crore, other operating expenses of Rs. 19.06 crore and depreciation & amortisation of Rs. 3.91 crore. Reported under non-operating income/(expense): non-operating income of Rs. 2.83 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 55.9 crore and deferred tax of Rs. 1.9 crore.

CBBL profit and loss for 2080/81

In the financial year 2080/81, Chhimek Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 284.34 crore, net fee and commission income of Rs. 24.39 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.34 crore, total operating income of Rs. 309.08 crore, impairment charge/(reversal) of Rs. 41.63 crore, net operating income of Rs. 267.45 crore, operating expenses of Rs. 131.54 crore, operating profit of Rs. 135.91 crore, non-operating income/(expense) of Rs. 2.79 crore, profit before income tax of Rs. 138.71 crore, income tax expense of Rs. 44.26 crore and profit for the year of Rs. 94.44 crore.

Reported under net interest income: interest income of Rs. 596.57 crore and interest expense of Rs. 312.23 crore. Reported under net fee and commission income: fee and commission income of Rs. 24.44 crore and fee and commission expense of Rs. 0.05 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 108.64 crore, other operating expenses of Rs. 18.75 crore and depreciation & amortisation of Rs. 4.16 crore. Reported under non-operating income/(expense): non-operating income of Rs. 3.04 crore and non-operating expense of Rs. 0.25 crore. Reported under income tax expense: current tax of Rs. 45.1 crore and deferred tax of Rs. 0.84 crore.

CBBL profit and loss for 2079/80

In the financial year 2079/80, Chhimek Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 285.4 crore, net fee and commission income of Rs. 18.62 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.01 crore, total operating income of Rs. 304.03 crore, impairment charge/(reversal) of Rs. 40.52 crore, net operating income of Rs. 263.51 crore, operating expenses of Rs. 116.51 crore, operating profit of Rs. 147 crore, non-operating income/(expense) of Rs. 1.87 crore, profit before income tax of Rs. 148.87 crore, income tax expense of Rs. 46.37 crore and profit for the year of Rs. 102.5 crore.

Reported under net interest income: interest income of Rs. 582.32 crore and interest expense of Rs. 296.91 crore. Reported under net fee and commission income: fee and commission income of Rs. 18.63 crore and fee and commission expense of Rs. 0.01 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 94.04 crore, other operating expenses of Rs. 18.23 crore and depreciation & amortisation of Rs. 4.24 crore. Reported under non-operating income/(expense): non-operating income of Rs. 1.87 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 46.53 crore and deferred tax of Rs. 0.16 crore.

CBBL balance sheet for 2081/82

In the financial year 2081/82, Chhimek Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 5,149.32 crore, total liabilities of Rs. 4,321.11 crore and total equity of Rs. 828.21 crore.

Reported under total assets: cash and cash equivalents of Rs. 854.06 crore, due from nepal rastra bank of Rs. 91.55 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. 4,007.22 crore, investment securities of Rs. 68.68 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 crore, property and equipment of Rs. 27.06 crore, goodwill and intangible assets of Rs. 0.23 crore, deferred tax assets of Rs. 5.96 crore and other assets of Rs. 94.57 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. 3,942.88 crore, borrowings of Rs. 302.37 crore, current tax liabilities of Rs. 0.35 crore, provisions of Rs. 4.04 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 71.46 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 321.53 crore, share premium of Rs. 4.1 crore, retained earnings of Rs. 205.57 crore, reserves of Rs. 297.01 crore and non controlling interest of Rs. 0 crore.

CBBL balance sheet for 2080/81

In the financial year 2080/81, Chhimek Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 4,614.68 crore, total liabilities of Rs. 3,880.28 crore and total equity of Rs. 734.4 crore.

Reported under total assets: cash and cash equivalents of Rs. 836.62 crore, due from nepal rastra bank of Rs. 73.65 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. 3,515.17 crore, investment securities of Rs. 79.53 crore, current tax assets of Rs. 0.18 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 0 crore, property and equipment of Rs. 28.53 crore, goodwill and intangible assets of Rs. 0.27 crore, deferred tax assets of Rs. 3.54 crore and other assets of Rs. 77.2 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. 3,372.73 crore, borrowings of Rs. 430.17 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 4.04 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 73.34 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 297.72 crore, share premium of Rs. 4.1 crore, retained earnings of Rs. 164.28 crore, reserves of Rs. 268.31 crore and non controlling interest of Rs. 0 crore.

CBBL balance sheet for 2079/80

In the financial year 2079/80, Chhimek Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 4,273.2 crore, total liabilities of Rs. 3,598.52 crore and total equity of Rs. 674.69 crore.

Reported under total assets: cash and cash equivalents of Rs. 772.55 crore, due from nepal rastra bank of Rs. 95.65 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. 3,224.75 crore, investment securities of Rs. 53.23 crore, current tax assets of Rs. 9.21 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 0 crore, property and equipment of Rs. 29.57 crore, goodwill and intangible assets of Rs. 0.34 crore, deferred tax assets of Rs. 1.92 crore and other assets of Rs. 85.97 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. 3,071.66 crore, borrowings of Rs. 455.39 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 3.73 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 67.74 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 283.54 crore, share premium of Rs. 4.1 crore, retained earnings of Rs. 137.44 crore, reserves of Rs. 249.61 crore and non controlling interest of Rs. 0 crore.

CBBL cash flow for 2081/82

In the financial year 2081/82, Chhimek Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 36.71 crore, net cash flow from investing activities (b) of Rs. 8.45 crore, net cash flow from financing activities (c) of Rs. 27.73 crore, net increase/(decrease) in cash and cash equivalents of Rs. 17.43 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 836.62 crore, effect of exchange rate fluctuations on cash and cash equivalents held of Rs. 0 crore and cash and cash equivalents at ashadh end of Rs. 854.06 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 613.22 crore, fees and other income received of Rs. 33.83 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 35.87 crore, interest paid of Rs. 330.28 crore, commission and fees paid of Rs. 0.06 crore, cash payment to employees of Rs. 111.15 crore, other expense paid of Rs. 61.98 crore, operating cash flows before changes in operating assets and liabilities of Rs. 179.46 crore, due from nepal rastra bank of Rs. 17.9 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. 492.05 crore, other assets of Rs. 19.61 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. 570.15 crore, borrowings of Rs. 127.8 crore, other liabilities of Rs. 1.52 crore, net cash flow from operating activities before tax paid of Rs. 90.72 crore and income taxes paid of Rs. 54 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 10.9 crore, receipts from sale of investment securities of Rs. 0.05 crore, purchase of property and equipment of Rs. 2.48 crore, receipt from sale of property and equipment of Rs. 0.14 crore, purchase of intangible assets of Rs. 0.06 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. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 0 crore, repayment of debt securities of Rs. 0 crore, receipt from issue of subordinated liabilities of Rs. 0 crore, repayment of subordinated liabilities of Rs. 0 crore, receipt from issue of shares of Rs. 0 crore, dividends paid of Rs. 20.84 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 6.89 crore.

CBBL cash flow for 2080/81

In the financial year 2080/81, Chhimek Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 128.14 crore, net cash flow from investing activities (b) of Rs. 29.34 crore, net cash flow from financing activities (c) of Rs. 34.73 crore, net increase/(decrease) in cash and cash equivalents of Rs. 64.07 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 772.55 crore, effect of exchange rate fluctuations on cash and cash equivalents held of Rs. 0 crore and cash and cash equivalents at ashadh end of Rs. 836.62 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 596.57 crore, fees and other income received of Rs. 24.53 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 28.33 crore, interest paid of Rs. 312.23 crore, commission and fees paid of Rs. 0.05 crore, cash payment to employees of Rs. 108.64 crore, other expense paid of Rs. 85.4 crore, operating cash flows before changes in operating assets and liabilities of Rs. 143.11 crore, due from nepal rastra bank of Rs. 22 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. 308.59 crore, other assets of Rs. 16.19 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. 301.07 crore, borrowings of Rs. 25.22 crore, other liabilities of Rs. 23.83 crore, net cash flow from operating activities before tax paid of Rs. 172.4 crore and income taxes paid of Rs. 44.26 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 26.29 crore, receipts from sale of investment securities of Rs. 0 crore, purchase of property and equipment of Rs. 3.04 crore, receipt from sale of property and equipment of Rs. 0.07 crore, purchase of intangible assets of Rs. 0.08 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. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 0 crore, repayment of debt securities of Rs. 0 crore, receipt from issue of subordinated liabilities of Rs. 0 crore, repayment of subordinated liabilities of Rs. 0 crore, receipt from issue of shares of Rs. 0 crore, dividends paid of Rs. 28.35 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 6.37 crore.

CBBL cash flow for 2079/80

In the financial year 2079/80, Chhimek Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 492.43 crore, net cash flow from investing activities (b) of Rs. 11.24 crore, net cash flow from financing activities (c) of Rs. 9.17 crore, net increase/(decrease) in cash and cash equivalents of Rs. 472.02 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 300.54 crore, effect of exchange rate fluctuations on cash and cash equivalents held of Rs. 0 crore and cash and cash equivalents at ashadh end of Rs. 772.55 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 582.32 crore, fees and other income received of Rs. 18.66 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 10.23 crore, interest paid of Rs. 296.91 crore, commission and fees paid of Rs. 0.01 crore, cash payment to employees of Rs. 94.36 crore, other expense paid of Rs. 66.81 crore, operating cash flows before changes in operating assets and liabilities of Rs. 153.11 crore, due from nepal rastra bank of Rs. 33.84 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. 82.65 crore, other assets of Rs. 17.41 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. 369.72 crore, borrowings of Rs. 21.92 crore, other liabilities of Rs. 6.5 crore, net cash flow from operating activities before tax paid of Rs. 538.8 crore and income taxes paid of Rs. 46.37 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 5.67 crore, receipts from sale of investment securities of Rs. 0.6 crore, purchase of property and equipment of Rs. 6.04 crore, receipt from sale of property and equipment of Rs. 0.05 crore, purchase of intangible assets of Rs. 0.19 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. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 0 crore, repayment of debt securities of Rs. 0 crore, receipt from issue of subordinated liabilities of Rs. 0 crore, repayment of subordinated liabilities of Rs. 0 crore, receipt from issue of shares of Rs. 0 crore, dividends paid of Rs. 7.58 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 1.6 crore.

CBBL quarterly for Q3 2082/83

In the quarter Q3 2082/83, Chhimek Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 74.31 crore, net fee and commission income of Rs. 11.37 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 85.67 crore, impairment charge/(reversal) of Rs. 1.08 crore, net operating income of Rs. 84.6 crore, operating expenses of Rs. 38.19 crore, operating profit of Rs. 46.4 crore, non-operating income/(expense) of Rs. 0.79 crore, profit before income tax of Rs. 47.2 crore, income tax expense of Rs. 14.16 crore and profit for the year of Rs. 33.04 crore.

Reported under net interest income: interest income of Rs. 166.38 crore and interest expense of Rs. 92.07 crore. Reported under net fee and commission income: fee and commission income of Rs. 11.37 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 29.73 crore, other operating expenses of Rs. 7.46 crore and depreciation & amortisation of Rs. 1.01 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.79 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 14.16 crore and deferred tax of Rs. 0 crore.

CBBL quarterly for Q2 2082/83

In the quarter Q2 2082/83, Chhimek Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 70.48 crore, net fee and commission income of Rs. 9.75 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 80.23 crore, impairment charge/(reversal) of Rs. 0.94 crore, net operating income of Rs. 79.29 crore, operating expenses of Rs. 36.67 crore, operating profit of Rs. 42.63 crore, non-operating income/(expense) of Rs. 1.25 crore, profit before income tax of Rs. 43.87 crore, income tax expense of Rs. 13.16 crore and profit for the year of Rs. 30.71 crore.

Reported under net interest income: interest income of Rs. 159.6 crore and interest expense of Rs. 89.11 crore. Reported under net fee and commission income: fee and commission income of Rs. 9.79 crore and fee and commission expense of Rs. 0.04 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 28.66 crore, other operating expenses of Rs. 7.04 crore and depreciation & amortisation of Rs. 0.96 crore. Reported under non-operating income/(expense): non-operating income of Rs. 1.25 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 13.16 crore and deferred tax of Rs. 0 crore.

CBBL quarterly for Q1 2082/83

In the quarter Q1 2082/83, Chhimek Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 75.51 crore, net fee and commission income of Rs. 8.49 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 84 crore, impairment charge/(reversal) of Rs. 1.59 crore, net operating income of Rs. 82.41 crore, operating expenses of Rs. 44.46 crore, operating profit of Rs. 37.95 crore, non-operating income/(expense) of Rs. 0.48 crore, profit before income tax of Rs. 38.43 crore, income tax expense of Rs. 11.53 crore and profit for the year of Rs. 26.9 crore.

Reported under net interest income: interest income of Rs. 165.12 crore and interest expense of Rs. 89.6 crore. Reported under net fee and commission income: fee and commission income of Rs. 8.51 crore and fee and commission expense of Rs. 0.02 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 36.54 crore, other operating expenses of Rs. 7.13 crore and depreciation & amortisation of Rs. 0.79 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.48 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 11.53 crore and deferred tax of Rs. 0 crore.

CBBL quarterly for Q4 2081/82

In the quarter Q4 2081/82, Chhimek Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 75.52 crore, net fee and commission income of Rs. 6.74 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 82.26 crore, impairment charge/(reversal) of Rs. 3.87 crore, net operating income of Rs. 86.14 crore, operating expenses of Rs. 36.03 crore, operating profit of Rs. 50.11 crore, non-operating income/(expense) of Rs. 1.25 crore, profit before income tax of Rs. 51.36 crore, income tax expense of Rs. 15.42 crore and profit for the year of Rs. 35.94 crore.

Reported under net interest income: interest income of Rs. 162.86 crore and interest expense of Rs. 87.34 crore. Reported under net fee and commission income: fee and commission income of Rs. 6.75 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 24.95 crore, other operating expenses of Rs. 9.84 crore and depreciation & amortisation of Rs. 1.24 crore. Reported under non-operating income/(expense): non-operating income of Rs. 1.25 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 15.42 crore and deferred tax of Rs. 0 crore.

CBBL Profit & Loss

Values in Rs. Crore unless stated otherwise.

Particulars	2081/82	2080/81	2079/80	2078/79	2077/78	2076/77
Net Interest Income	283	284	285	250	223	176
Interest Income	613	597	582	497	423	383
Interest Expense	-330	-312	-297	-247	-200	-207
Net Fee and Commission Income	33.6	24.4	18.6	26.7	53.1	35.3
Fee and Commission Income	33.7	24.4	18.6	26.7	53.1	35.3
Fee and Commission Expense	-0.06	-0.05	-0.01	-0.01	-0.01	-0.03
Net Trading Income	0.00	0.00	0.00	0.00	0.00	0.00
Other Operating Income	0.26	0.34	0.01	0.20	0.07	0.06
Total Operating Income	317	309	304	276	276	212
Impairment Charge/(Reversal)	-10.0	-41.6	-40.5	-21.7	6.0	-28.3
Net Operating Income	307	267	264	255	282	183
Operating Expenses	-134	-132	-117	-109	-98.2	-87.6
Operating Expense - Personnel Expenses	-111	-109	-94.0	-91.1	-82.8	-73.0
Other Operating Expenses	-19.1	-18.7	-18.2	-14.4	-12.2	-11.3
Depreciation & Amortisation	-3.9	-4.2	-4.2	-3.4	-3.2	-3.3
Operating Profit	173	136	147	146	184	95.9
Non-Operating Income/(Expense)	2.8	2.8	1.9	1.8	6.4	3.0
Non-Operating Income	2.8	3.0	1.9	1.8	6.4	3.0
Non-Operating Expense	0.00	-0.25	0.00	0.00	0.00	-0.02
Profit Before Income Tax	176	139	149	148	190	98.9
Income Tax Expense	-54.0	-44.3	-46.4	-53.0	-59.0	-31.8
Current Tax	-55.9	-45.1	-46.5	-53.4	-60.5	-32.7
Deferred Tax	1.9	0.84	0.16	0.45	1.5	0.89
Profit for the Year	122	94.4	103	94.7	131	67.0

CBBL Balance Sheet

Values in Rs. Crore unless stated otherwise.

Particulars	2081/82	2080/81	2079/80	2078/79	2077/78	2076/77
Total Assets	5,149	4,615	4,273	3,826	3,429	2,726
Cash and Cash Equivalents	854	837	773	301	802	711
Due from Nepal Rastra Bank	91.5	73.6	95.6	61.8	59.5	55.1
Placement with Banks and FIs	0.00	0.00	0.00	0.00	0.00	0.00
Derivative Financial Instruments	0.00	0.00	0.00	0.00	0.00	0.00
Other Trading Assets	0.00	0.00	0.00	0.00	0.00	0.00
Loans and Advances to Banks and FIs	0.00	0.00	0.00	0.00	0.00	0.00
Loans and Advances to Customers	4,007	3,515	3,225	3,307	2,489	1,892
Investment Securities	68.7	79.5	53.2	48.2	35.9	29.8
Current Tax Assets	0.00	0.18	9.2	9.5	0.00	0.00
Investment in Subsidiaries	0.00	0.00	0.00	0.00	0.00	0.00
Investment in Associates	0.00	0.00	0.00	0.00	0.00	0.00
Investment Property	0.00	0.00	0.00	0.00	0.00	0.00
Property and Equipment	27.1	28.5	29.6	27.7	26.1	25.1
Goodwill and Intangible Assets	0.23	0.27	0.34	0.29	0.37	0.35
Deferred Tax Assets	6.0	3.5	1.9	3.0	2.1	0.85
Other Assets	94.6	77.2	86.0	67.2	13.7	11.1
Total Liabilities	4,321	3,880	3,599	3,244	2,922	2,316
Due to Banks and FIs	0.00	0.00	0.00	0.00	0.00	0.00
Due to Nepal Rastra Bank	0.00	0.00	0.00	0.00	0.00	0.12
Derivative Financial Instruments	0.00	0.00	0.00	0.00	0.00	0.00
Deposits from Customers	3,943	3,373	3,072	2,702	2,244	1,867
Borrowings	302	430	455	477	622	407
Current Tax Liabilities	0.35	0.00	0.00	0.00	4.4	2.1
Provisions	4.0	4.0	3.7	6.1	0.00	1.7
Deferred Tax Liabilities	0.00	0.00	0.00	0.00	0.00	0.00
Other Liabilities	71.5	73.3	67.7	58.8	51.5	37.8
Debt Securities Issued	0.00	0.00	0.00	0.00	0.00	0.00
Subordinated Liabilities	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity	828	734	675	581	507	410
Share Capital	322	298	284	232	183	150
Share Premium	4.1	4.1	4.1	4.1	4.1	4.1
Retained Earnings	206	164	137	121	122	89.2
Reserves	297	268	250	224	198	167
Non Controlling Interest	0.00	0.00	0.00	0.00	0.00	0.00

CBBL Cash Flow

Values in Rs. Crore unless stated otherwise.

Particulars	2081/82	2080/81	2079/80	2078/79	2077/78	2076/77
Net Cash Flow from Operating Activities (A)	36.7	128	492	-464	135	424
Interest Received	613	597	582	490	406	383
Fees and Other Income Received	33.8	24.5	18.7	26.7	53.1	35.3
Dividend Received	0.00	0.00	0.00	0.00	0.00	0.00
Receipts from Other Operating Activities	35.9	28.3	10.2	1.8	6.4	3.0
Interest Paid	-330	-312	-297	-247	-200	-207
Commission and Fees Paid	-0.06	-0.05	-0.01	-0.01	-0.01	-0.03
Cash Payment to Employees	-111	-109	-94.4	-74.6	-82.1	-72.9
Other Expense Paid	-62.0	-85.4	-66.8	-36.1	-12.2	-11.3
Operating Cash Flows Before Changes in Operating Assets and Liabilities	179	143	153	161	172	131
Due from Nepal Rastra Bank	-17.9	22.0	-33.8	-2.4	-4.4	-4.7
Placement with Banks and Financial Institutions	0.00	0.00	0.00	0.00	0.00	0.00
Other Trading Assets	0.00	0.00	0.00	0.00	0.00	0.00
Loan and Advances to Banks and Financial Institutions	0.00	0.00	0.00	0.00	0.00	0.00
Loan and Advances to Customers	-492	-309	82.7	-812	-575	36.5
Other Assets	-19.6	16.2	-17.4	-63.4	-2.4	0.93
Due to Banks and Financial Institutions	0.00	0.00	0.00	0.00	0.00	0.00
Due to Nepal Rastra Bank	0.00	0.00	0.00	0.00	-0.12	-0.10
Deposit from Customers	570	301	370	458	377	328
Borrowings	-128	-25.2	-21.9	-144	214	-40.6
Other Liabilities	-1.5	23.8	6.5	-7.3	14.3	6.8
Net Cash Flow from Operating Activities Before Tax Paid	90.7	172	539	-411	196	457
Income Taxes Paid	-54.0	-44.3	-46.4	-53.4	-60.5	-32.7
Net Cash Flow from Investing Activities (B)	8.5	-29.3	-11.2	-17.0	-10.2	-20.0
Purchase of Investment Securities	10.9	-26.3	-5.7	-13.6	-6.1	-15.8
Receipts from Sale of Investment Securities	-0.05	0.00	0.60	1.6	0.00	0.00
Purchase of Property and Equipment	-2.5	-3.0	-6.0	-5.4	-4.1	-4.1
Receipt from Sale of Property and Equipment	0.14	0.07	0.05	0.44	0.05	0.07
Purchase of Intangible Assets	-0.06	-0.08	-0.19	-0.03	-0.12	-0.13
Receipt from Sale of Intangible Assets	0.00	0.00	0.00	0.00	0.00	0.00
Purchase of Investment Properties	0.00	0.00	0.00	0.00	0.00	0.00
Receipt from Sale of Investment Properties	0.00	0.00	0.00	0.00	0.00	0.00
Interest Received	0.00	0.00	0.00	0.00	0.00	0.00
Dividend Received	0.00	0.00	0.00	0.00	0.06	0.06
Net Cash Flow from Financing Activities (C)	-27.7	-34.7	-9.2	-20.5	-34.5	-39.9
Receipt from Issue of Debt Securities	0.00	0.00	0.00	0.00	0.00	0.00
Repayment of Debt Securities	0.00	0.00	0.00	0.00	0.00	0.00
Receipt from Issue of Subordinated Liabilities	0.00	0.00	0.00	0.00	0.00	0.00
Repayment of Subordinated Liabilities	0.00	0.00	0.00	0.00	0.00	0.00
Receipt from Issue of Shares	0.00	0.00	0.00	0.00	0.00	0.00
Dividends Paid	-20.8	-28.4	-7.6	-5.5	-10.5	-20.3
Interest Paid	0.00	0.00	0.00	0.00	0.00	0.00
Other Receipt/Payment	-6.9	-6.4	-1.6	-15.0	-24.0	-19.5
Net Increase/(Decrease) in Cash and Cash Equivalents	17.4	64.1	472	-502	90.7	365
Cash and Cash Equivalents at Shrawan 01 (Beginning of the Year)	837	773	301	802	711	347
Effect of Exchange Rate Fluctuations on Cash and Cash Equivalents Held	0.00	0.00	0.00	0.00	0.00	0.00
Cash and Cash Equivalents at Ashadh End	854	837	773	301	802	711

CBBL Quarterly Results

Values in Rs. Crore unless stated otherwise.

Particulars	Q3 2082/83	Q2 2082/83	Q1 2082/83	Q4 2081/82	Q3 2081/82	Q2 2081/82	Q1 2081/82	Q4 2080/81	Q3 2080/81	Q2 2080/81	Q1 2080/81
Net Interest Income	74.3	70.5	75.5	75.5	70.6	67.9	68.0	78.7	67.2	65.6	72.8
Interest Income	166	160	165	163	153	147	150	160	145	141	151
Interest Expense	-92.1	-89.1	-89.6	-87.3	-82.0	-79.4	-81.6	-81.2	-77.9	-75.0	-78.2
Net Fee and Commission Income	11.4	9.8	8.5	6.7	9.2	8.8	8.8	3.1	8.5	6.4	6.4
Fee and Commission Income	11.4	9.8	8.5	6.7	9.2	8.9	8.8	3.1	8.5	6.4	6.4
Fee and Commission Expense	-0.00	-0.04	-0.02	-0.00	-0.00	-0.04	-0.02	-0.00	0.02	-0.06	-0.01
Net Trading Income	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Operating Income	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.34	0.00	0.00	0.00
Total Operating Income	85.7	80.2	84.0	82.3	79.8	76.7	76.8	82.1	75.7	72.0	79.2
Impairment Charge/(Reversal)	-1.1	-0.94	-1.6	3.9	-0.08	-7.6	-5.2	-0.15	-17.4	-13.2	-10.8
Net Operating Income	84.6	79.3	82.4	86.1	79.7	69.1	71.6	82.0	58.3	58.7	68.4
Operating Expenses	-38.2	-36.7	-44.5	-36.0	-31.7	-30.6	-38.0	-36.5	-29.3	-28.9	-37.1
Operating Expense - Personnel Expenses	-29.7	-28.7	-36.5	-24.9	-26.5	-25.6	-33.3	-28.4	-24.0	-24.1	-32.1
Other Operating Expenses	-7.5	-7.0	-7.1	-9.8	-4.4	-4.0	-3.8	-6.8	-4.3	-3.9	-4.1
Depreciation & Amortisation	-1.0	-0.96	-0.79	-1.2	-0.83	-0.97	-0.86	-1.3	-0.99	-0.96	-0.92
Operating Profit	46.4	42.6	37.9	50.1	48.0	38.5	33.6	45.5	29.0	29.9	31.3
Non-Operating Income/(Expense)	0.79	1.2	0.48	1.3	0.78	0.66	0.29	1.2	0.62	0.87	0.29
Non-Operating Income	0.79	1.2	0.48	1.3	0.78	0.66	0.29	1.2	0.64	0.87	0.29
Non-Operating Expense	0.00	-0.00	0.00	0.00	0.00	0.00	0.00	0.00	-0.01	0.00	0.00
Profit Before Income Tax	47.2	43.9	38.4	51.4	48.8	39.2	33.9	46.7	29.6	30.7	31.6
Income Tax Expense	-14.2	-13.2	-11.5	-15.4	-14.6	-11.8	-10.2	-17.5	-8.9	-9.2	-9.5
Current Tax	-14.2	-13.2	-11.5	-15.4	-14.6	-11.8	-10.2	-17.5	-8.9	-9.2	-9.5
Deferred Tax	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit for the Year	33.0	30.7	26.9	35.9	34.2	27.4	23.7	29.2	20.8	21.5	22.1

Chhimek share price history

Over the last 15 trading sessions CBBL closed between Rs. 921.00 and Rs. 960.10, finishing at Rs. 960.10 on 2026-09-22 against Rs. 933.00 on 2026-08-26.

Date	Open	High	Low	Close	Volume
2026-09-22	912.00	965.00	912.00	960.10	47,829
2026-09-18	963.00	963.70	957.50	960.00	17,086
2026-09-17	956.00	960.00	952.50	956.90	24,040
2026-09-16	960.00	960.00	945.00	949.00	16,872
2026-09-15	998.00	998.00	950.00	959.80	29,907
2026-09-14	942.00	953.00	942.00	951.00	30,022
2026-09-11	940.00	946.90	940.00	942.10	11,255
2026-09-10	947.50	947.50	938.00	942.00	14,364
2026-09-09	940.00	954.00	940.00	947.00	22,863
2026-09-07	935.00	948.00	932.00	943.00	12,870
2026-09-03	927.70	933.00	927.70	932.00	3,931
2026-09-02	927.00	933.00	926.10	930.50	8,138
2026-09-01	939.20	939.20	923.00	929.00	11,355
2026-08-31	932.00	934.00	921.00	921.00	10,679
2026-08-26	940.00	940.00	930.00	933.00	10,111

CBBL share price by year

2026, between Rs. 882.00 and Rs. 1,015.10, 2025, between Rs. 730.22 and Rs. 1,017.60, 2024, between Rs. 658.44 and Rs. 950.62, 2023, between Rs. 569.86 and Rs. 837.18, 2022, between Rs. 566.69 and Rs. 936.77 and 2021, between Rs. 591.91 and Rs. 1,044.80.

Year	Low (Rs.)	High (Rs.)	Sessions
2026	882.00	1,015.10	168
2025	730.22	1,017.60	225
2024	658.44	950.62	232
2023	569.86	837.18	227
2022	566.69	936.77	242
2021	591.91	1,044.80	239
2020	326.35	662.24	184
2019	221.18	346.26	245
2018	202.65	309.65	233
2017	191.17	410.47	228
2016	231.99	442.76	231
2015	103.93	272.44	199

Chhimek share price returns

At Rs. 960.10 on 2026-09-22, CBBL is up 0.03% over 1 week, up 2.19% over 1 month, up 5.45% over 3 months, down 0.30% over 6 months, up 8.48% over 1 year and up 10.02% 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	+0.03%	959.80	2026-09-15
1 month	+2.19%	939.50	2026-08-21
3 months	+5.45%	910.50	2026-06-24
6 months	-0.30%	963.00	2026-03-26
1 year	+8.48%	885.07	2025-09-21
5 years	+10.02%	872.69	2021-09-23

CBBL floorsheet for 2026-09-22

CBBL traded 221 times on 2026-09-22, moving 46,018 shares for Rs. 4.39 crore of turnover. Trades went through between Rs. 912.00 and Rs. 965.00.

Largest buyers by volume: broker 71, Shubhakamana Securities Pvt. Ltd on 9,113 shares across 1 trades, broker 48, Trishakti Securities Public Limited on 7,300 shares across 11 trades, broker 4, Stock Broker Opal Securities Investment Pvt. Limited on 5,090 shares across 3 trades, broker 6, Agrawal Securities Pvt. Limited on 2,156 shares across 12 trades, broker 58, Naasa Securities Co. Ltd. on 1,908 shares across 30 trades, broker 54, Sewa Securities Pvt. Ltd. on 1,751 shares across 5 trades, broker 42, Sani Securities Company Limited on 1,686 shares across 19 trades, broker 47, Neev Securities Pvt.Ltd on 1,512 shares across 6 trades, broker 13, Thrive Brokerage House Pvt. Limited on 1,500 shares across 4 trades and broker 1, Kumari Securities Pvt. Limited on 1,325 shares across 5 trades.

Largest sellers by volume: broker 91, C.B.I.L. Securities Limited on 26,254 shares across 39 trades, broker 49, Online Securities Limited on 5,752 shares across 38 trades, broker 76, Machhapuchchhre Securities Limited on 1,600 shares across 13 trades, broker 88, Blue Chip Securities Ltd on 1,492 shares across 11 trades, broker 77, Nabil Stock Dealer Limited on 1,355 shares across 11 trades, broker 32, Premier Securites Company Limited on 1,069 shares across 2 trades, broker 17, ABC Securities Pvt. Limited on 988 shares across 13 trades, broker 42, Sani Securities Company Limited on 660 shares across 6 trades, broker 94, K.B.L. Securities Limited on 571 shares across 3 trades and broker 34, Vision Securities Pvt.Limited on 514 shares across 9 trades.

CBBL dividend history: bonus shares and cash dividend

Chhimek Laghubitta Bittiya Sanstha Limited most recently declared a 12.5% bonus share issue and a 12.5% cash dividend, 25% in total for 2081/2082, announced on 2025-12-23. 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	12.5%	12.5%	2025-12-23
2080/2081	8%	7%	2024-12-22
2079/2080	5%	10%	2023-12-24
2078/2079	22%	3.26%	2023-02-23
2077/2078	27%	3%	2021-12-13

For 2081/2082 Chhimek Laghubitta Bittiya Sanstha Limited declared a 12.5% bonus share issue and a 12.5% cash dividend, 25% in total, announced on 2025-12-23.

For 2080/2081 Chhimek Laghubitta Bittiya Sanstha Limited declared an 8% bonus share issue and a 7% cash dividend, 15% in total, announced on 2024-12-22.

For 2079/2080 Chhimek Laghubitta Bittiya Sanstha Limited declared a 5% bonus share issue and a 10% cash dividend, 15% in total, announced on 2023-12-24.

For 2078/2079 Chhimek Laghubitta Bittiya Sanstha Limited declared a 22% bonus share issue and a 3.26% cash dividend, 25.26% in total, announced on 2023-02-23.

For 2077/2078 Chhimek Laghubitta Bittiya Sanstha Limited declared a 27% bonus share issue and a 3% cash dividend, 30% in total, announced on 2021-12-13.

CBBL general meetings

Annual and special general meetings Chhimek Laghubitta Bittiya Sanstha Limited has called. A dividend is declared by the board and approved at the AGM.

24th AGM for 2081/2082: on 2026-01-13, at Hotel Samana Pvt. Limited's Sabha Hall, Makwanpur, Hetauda (11:00 AM)
23rd AGM for 2080/2081: on 2025-01-13, at Hotel Samana Pvt. Limited's Sabha Hall, Makwanpur, Hetauda (11:00 AM)
22nd AGM for 2079/2080: on 2024-01-14, at Hotel Samana Pvt. Limited's Sabha Hall, Makwanpur, Hetauda (11:00 AM)

6 years of annual statements and 11 quarters of results for CBBL, with charts and peer comparison, are free on NepView.

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