Dhaulagiri Laghubitta Bittiya Sanstha Limited (DLBS) Share Price & Fundamentals
Dhaulagiri (DLBS) share price is Rs. 1,166.90, down 1.44% on 2026-09-22. Open Rs. 1,148.50. High Rs. 1,166.90. Low Rs. 1,083.20. Volume 1,423.
Dhaulagiri Laghubitta Bittiya Sanstha Limited is a NEPSE-listed company (DLBS), Microfinance sector. Revenue: Rs. 19.03 Crore. Net loss: Rs. 3 Crore. Net worth: Rs. 18.05 Crore.
About Dhaulagiri Laghubitta Bittiya Sanstha Limited
Dhaulagiri Laghubitta Bittiya Sanstha Limited is a national-level 'D'-class microfinance financial institution licensed by Nepal Rastra Bank, with its central office at Baglung Municipality-2, Shreenagar Tole, Baglung. It provides microcredit, savings, and related financial services to low-income and rural members, and has grown partly through consolidation (its FY2079/80 accounts include the acquisition of Khaptad Laghubitta Bittiya Sanstha). Its ordinary shares were listed on the Nepal Stock Exchange (NEPSE) under the symbol DLBS on 21 October 2022. Recent results have been loss-making amid sector-wide microfinance repayment stress, and the institution decided not to distribute a dividend for FY2081/82.
Dhaulagiri Laghubitta Bittiya Sanstha Limited (DLBS) has 13,31,000 shares outstanding. It listed on NEPSE in 2022.
DLBS key metrics
DLBS strengths
What Dhaulagiri Laghubitta Bittiya Sanstha Limited's own accounts show in its favour, graded against the rest of its sector.
- Makes 6.4% on its assets from the gap between what it charges borrowers and pays savers. (Margins & Income Quality)
- Bad-loan charges come to -3% of income, so borrowers are paying back well. (Asset Quality)
- 82.7% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
DLBS 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 -16.6%, below what owners would hope for. (Profitability)
- Return on everything it owns is -1.2%, so its assets are not producing much. (Profitability)
- Only 38.4% of funding comes from deposits, so it relies on costlier borrowing. (Liquidity & Funding)
- Income from lending moved -16.5%, so the core business is not growing. (Growth)
- Net profit margin is 10.8%, less than most lenders keep once every cost is paid. (Profitability)
- Operating margin is 17.6%, so running costs take too much of what core banking earns. (Profitability)
- Only 0.9% of income comes from fees, so it leans heavily on lending. (Margins & Income Quality)
- The loan book moved -2.5%, so lending is not expanding. (Growth)
- Only 7.5% of what it owns belongs to shareholders, so there is less cushion for losses. (Capital Strength)
- Each share produced Rs 12.61 over the year. (Shareholder Returns)
- Total income moved -18.2% on last year. (Growth)
- Staff costs take 60.5% of income, a heavy load on earnings. (Efficiency)
- Loans are 87.5% of what the bank owns, so most of its risk sits in lending. (Asset Quality)
- Owns 13.35x for every rupee shareholders put in. A high multiple magnifies losses as well as gains. (Capital Strength)
- Each share is backed by only Rs 135.61 of net worth. (Shareholder Returns)
- 55.4% of funding is borrowed, which costs more and can dry up in a crisis. (Liquidity & Funding)
- The bank's size moved 0.7% over the year. (Shareholder Returns)
- Deposits moved 9.7%, so its cheapest source of funding is not growing. (Growth)
DLBS Q3 2082/83 results
In Q3 2082/83 Dhaulagiri Laghubitta Bittiya Sanstha Limited reported profit of Rs. 0.6 crore and total operating income of Rs. 3.57 crore. Profit in Q2 2082/83 was Rs. 0.96 crore. Profit fell 37.49% on the previous quarter. Total operating income fell 37.42% on the previous quarter. Profit in Q3 2081/82, the same quarter a year earlier, was Rs. 0.32 crore. Profit grew 89.72% on the same quarter last year. Total operating income fell 4.86% on the same quarter last year.
DLBS annual results 2081/82
For the financial year 2081/82 Dhaulagiri Laghubitta Bittiya Sanstha Limited reported a net loss of Rs. 3 crore, total operating income of Rs. 19.03 crore and net worth of Rs. 18.05 crore. Net profit in 2080/81 was a loss of Rs. 1.44 crore. The loss widened 107.78% on the year. Total operating income grew 63.38% on the year.
DLBS profit and loss for 2081/82
In the financial year 2081/82, Dhaulagiri Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 15.41 crore, net fee and commission income of Rs. 3.62 crore, other operating income of Rs. 0 crore, total operating income of Rs. 19.03 crore, impairment charge/(reversal) of Rs. 8.45 crore, net operating income of Rs. 10.58 crore, operating expenses of Rs. 13.89 crore, operating profit of Rs. 3.31 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 3.31 crore, income tax expense of Rs. 0.31 crore and profit for the year of Rs. 3 crore.
Reported under net interest income: interest income of Rs. 33.36 crore and interest expense of Rs. 17.95 crore. Reported under net fee and commission income: fee and commission income of Rs. 3.62 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 9.5 crore, other operating expenses of Rs. 3.21 crore and depreciation & amortisation of Rs. 1.18 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 0.01 crore and deferred tax of Rs. 0.32 crore.
DLBS profit and loss for 2080/81
In the financial year 2080/81, Dhaulagiri Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 7.45 crore, net fee and commission income of Rs. 4.2 crore, other operating income of Rs. 0 crore, total operating income of Rs. 11.65 crore, impairment charge/(reversal) of Rs. 0.7 crore, net operating income of Rs. 12.34 crore, operating expenses of Rs. 13.81 crore, operating profit of Rs. 1.47 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 1.47 crore, income tax expense of Rs. 0.03 crore and profit for the year of Rs. 1.44 crore.
Reported under net interest income: interest income of Rs. 26.29 crore and interest expense of Rs. 18.85 crore. Reported under net fee and commission income: fee and commission income of Rs. 4.2 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 9.6 crore, other operating expenses of Rs. 3.02 crore and depreciation & amortisation of Rs. 1.2 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 0.13 crore and deferred tax of Rs. 0.15 crore.
DLBS profit and loss for 2079/80
In the financial year 2079/80, Dhaulagiri Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 7.97 crore, net fee and commission income of Rs. 3.24 crore, other operating income of Rs. 0 crore, total operating income of Rs. 11.2 crore, impairment charge/(reversal) of Rs. 1.53 crore, net operating income of Rs. 9.67 crore, operating expenses of Rs. 12.32 crore, operating profit of Rs. 2.64 crore, non-operating income/(expense) of Rs. 1.78 crore, profit before income tax of Rs. 0.86 crore, income tax expense of Rs. 0.08 crore and profit for the year of Rs. 0.94 crore.
Reported under net interest income: interest income of Rs. 20.29 crore and interest expense of Rs. 12.32 crore. Reported under net fee and commission income: fee and commission income of Rs. 3.24 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 8.03 crore, other operating expenses of Rs. 3.45 crore and depreciation & amortisation of Rs. 0.84 crore. Reported under non-operating income/(expense): non-operating income of Rs. 1.78 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 0 crore and deferred tax of Rs. 0.07 crore.
DLBS balance sheet for 2081/82
In the financial year 2081/82, Dhaulagiri Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 240.92 crore, total liabilities of Rs. 222.88 crore and total equity of Rs. 18.05 crore.
Reported under total assets: cash and cash equivalents of Rs. 18.04 crore, due from nepal rastra bank of Rs. 6.36 crore, loans and advances to customers of Rs. 210.89 crore, current tax assets of Rs. 0.71 crore, property and equipment of Rs. 3.45 crore, goodwill and intangible assets of Rs. 0.07 crore, deferred tax assets of Rs. 1.02 crore and other assets of Rs. 0.38 crore. Reported under total liabilities: deposits from customers of Rs. 85.64 crore, borrowings of Rs. 123.38 crore, current tax liabilities of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore and other liabilities of Rs. 13.85 crore. Reported under total equity: share capital of Rs. 13.31 crore, retained earnings of Rs. 5 crore and reserves of Rs. 9.74 crore.
DLBS balance sheet for 2080/81
In the financial year 2080/81, Dhaulagiri Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 239.2 crore, total liabilities of Rs. 218.19 crore and total equity of Rs. 21.01 crore.
Reported under total assets: cash and cash equivalents of Rs. 15.58 crore, due from nepal rastra bank of Rs. 1.21 crore, loans and advances to customers of Rs. 216.2 crore, current tax assets of Rs. 0.69 crore, property and equipment of Rs. 4.32 crore, goodwill and intangible assets of Rs. 0.08 crore, deferred tax assets of Rs. 0.7 crore and other assets of Rs. 0.41 crore. Reported under total liabilities: deposits from customers of Rs. 78.07 crore, borrowings of Rs. 126.21 crore, current tax liabilities of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore and other liabilities of Rs. 13.9 crore. Reported under total equity: share capital of Rs. 13.31 crore, retained earnings of Rs. 1.44 crore and reserves of Rs. 9.14 crore.
DLBS balance sheet for 2079/80
In the financial year 2079/80, Dhaulagiri Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 189.8 crore, total liabilities of Rs. 167.39 crore and total equity of Rs. 22.41 crore.
Reported under total assets: cash and cash equivalents of Rs. 11.81 crore, due from nepal rastra bank of Rs. 0.91 crore, loans and advances to customers of Rs. 171.1 crore, current tax assets of Rs. 0.77 crore, property and equipment of Rs. 4.14 crore, goodwill and intangible assets of Rs. 0.08 crore, deferred tax assets of Rs. 0.55 crore and other assets of Rs. 0.43 crore. Reported under total liabilities: deposits from customers of Rs. 70.81 crore, borrowings of Rs. 84.56 crore and other liabilities of Rs. 12.02 crore. Reported under total equity: share capital of Rs. 13.31 crore, retained earnings of Rs. 0.58 crore and reserves of Rs. 8.52 crore.
DLBS cash flow for 2081/82
In the financial year 2081/82, Dhaulagiri Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 3.4 crore, net cash flow from investing activities (b) of Rs. 0.98 crore, net cash flow from financing activities (c) of Rs. 0.04 crore, net increase/(decrease) in cash and cash equivalents of Rs. 2.46 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 15.58 crore and cash and cash equivalents at ashadh end of Rs. 18.04 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 32.58 crore, fees and other income received of Rs. 3.62 crore, interest paid of Rs. 17.38 crore, cash payment to employees of Rs. 9.52 crore, other expense paid of Rs. 2.69 crore, operating cash flows before changes in operating assets and liabilities of Rs. 6.61 crore, due from nepal rastra bank of Rs. 5.15 crore, loan and advances to customers of Rs. 2.36 crore, other assets of Rs. 0.03 crore, deposit from customers of Rs. 7.57 crore, borrowings of Rs. 2.83 crore, other liabilities of Rs. 0.43 crore, net cash flow from operating activities before tax paid of Rs. 3.43 crore and income taxes paid of Rs. 0.03 crore. Reported under net cash flow from investing activities (b): purchase of property and equipment of Rs. 0.98 crore and receipt from sale of intangible assets of Rs. 0 crore. Reported under net cash flow from financing activities (c): receipt from issue of shares of Rs. 0 crore and other receipt/payment of Rs. 0.04 crore.
DLBS cash flow for 2080/81
In the financial year 2080/81, Dhaulagiri Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 4.17 crore, net cash flow from investing activities (b) of Rs. 0.11 crore, net cash flow from financing activities (c) of Rs. 0.28 crore, net increase/(decrease) in cash and cash equivalents of Rs. 3.78 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 11.81 crore and cash and cash equivalents at ashadh end of Rs. 15.58 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 25.87 crore, fees and other income received of Rs. 4.2 crore, interest paid of Rs. 18.5 crore, cash payment to employees of Rs. 8.94 crore, other expense paid of Rs. 3.32 crore, operating cash flows before changes in operating assets and liabilities of Rs. 0.68 crore, due from nepal rastra bank of Rs. 0.3 crore, loan and advances to customers of Rs. 44.38 crore, other assets of Rs. 0.11 crore, deposit from customers of Rs. 7.26 crore, borrowings of Rs. 41.65 crore, other liabilities of Rs. 0.5 crore, net cash flow from operating activities before tax paid of Rs. 4.17 crore and income taxes paid of Rs. 0 crore. Reported under net cash flow from investing activities (b): purchase of property and equipment of Rs. 0.09 crore and receipt from sale of intangible assets of Rs. 0.02 crore. Reported under net cash flow from financing activities (c): receipt from issue of shares of Rs. 0 crore and other receipt/payment of Rs. 0.28 crore.
DLBS cash flow for 2079/80
In the financial year 2079/80, Dhaulagiri Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 5.72 crore, net cash flow from investing activities (b) of Rs. 2.6 crore, net cash flow from financing activities (c) of Rs. 4.57 crore, net increase/(decrease) in cash and cash equivalents of Rs. 1.44 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 10.36 crore and cash and cash equivalents at ashadh end of Rs. 11.81 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 20.29 crore, fees and other income received of Rs. 3.24 crore, interest paid of Rs. 12.37 crore, cash payment to employees of Rs. 7.94 crore, other expense paid of Rs. 2.38 crore, operating cash flows before changes in operating assets and liabilities of Rs. 0.83 crore, due from nepal rastra bank of Rs. 0.21 crore, loan and advances to customers of Rs. 7.56 crore, other assets of Rs. 0.61 crore, deposit from customers of Rs. 0.96 crore, borrowings of Rs. 13.78 crore, other liabilities of Rs. 1.67 crore, net cash flow from operating activities before tax paid of Rs. 5.7 crore and income taxes paid of Rs. 0.02 crore. Reported under net cash flow from investing activities (b): purchase of property and equipment of Rs. 0.22 crore. Reported under net cash flow from financing activities (c): receipt from issue of shares of Rs. 4.6 crore and other receipt/payment of Rs. 0.04 crore.
DLBS quarterly for Q3 2082/83
In the quarter Q3 2082/83, Dhaulagiri Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 2.73 crore, net fee and commission income of Rs. 0.04 crore, other operating income of Rs. 0.8 crore, total operating income of Rs. 3.57 crore, impairment charge/(reversal) of Rs. 0.66 crore, net operating income of Rs. 4.23 crore, operating expenses of Rs. 3.4 crore, operating profit of Rs. 0.83 crore, non-operating income/(expense) of Rs. 0.03 crore, profit before income tax of Rs. 0.86 crore, income tax expense of Rs. 0.26 crore and profit for the year of Rs. 0.6 crore.
Reported under net interest income: interest income of Rs. 6.2 crore and interest expense of Rs. 3.47 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.04 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 2.59 crore, other operating expenses of Rs. 0.74 crore and depreciation & amortisation of Rs. 0.07 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.03 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 0.26 crore and deferred tax of Rs. 0 crore.
DLBS quarterly for Q2 2082/83
In the quarter Q2 2082/83, Dhaulagiri Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 4.78 crore, net fee and commission income of Rs. 0.05 crore, other operating income of Rs. 0.87 crore, total operating income of Rs. 5.71 crore, impairment charge/(reversal) of Rs. 0.27 crore, net operating income of Rs. 5.98 crore, operating expenses of Rs. 4.25 crore, operating profit of Rs. 1.72 crore, non-operating income/(expense) of Rs. 0.35 crore, profit before income tax of Rs. 1.38 crore, income tax expense of Rs. 0.41 crore and profit for the year of Rs. 0.96 crore.
Reported under net interest income: interest income of Rs. 8.36 crore and interest expense of Rs. 3.58 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.05 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 2.63 crore, other operating expenses of Rs. 1.56 crore and depreciation & amortisation of Rs. 0.06 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.02 crore and non-operating expense of Rs. 0.36 crore. Reported under income tax expense: current tax of Rs. 0.41 crore and deferred tax of Rs. 0 crore.
DLBS quarterly for Q1 2082/83
In the quarter Q1 2082/83, Dhaulagiri Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 3.46 crore, net fee and commission income of Rs. 0.03 crore, other operating income of Rs. 0.71 crore, total operating income of Rs. 4.2 crore, impairment charge/(reversal) of Rs. 0.86 crore, net operating income of Rs. 3.34 crore, operating expenses of Rs. 2.99 crore, operating profit of Rs. 0.35 crore, non-operating income/(expense) of Rs. 0.02 crore, profit before income tax of Rs. 0.37 crore, income tax expense of Rs. 0.11 crore and profit for the year of Rs. 0.26 crore.
Reported under net interest income: interest income of Rs. 7.31 crore and interest expense of Rs. 3.85 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.03 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 2.27 crore, other operating expenses of Rs. 0.66 crore and depreciation & amortisation of Rs. 0.06 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. 0.11 crore and deferred tax of Rs. 0 crore.
DLBS quarterly for Q4 2081/82
In the quarter Q4 2081/82, Dhaulagiri Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 5.2 crore, net fee and commission income of Rs. 0.05 crore, other operating income of Rs. 1.08 crore, total operating income of Rs. 6.34 crore, impairment charge/(reversal) of Rs. 1.13 crore, net operating income of Rs. 5.21 crore, operating expenses of Rs. 3.9 crore, operating profit of Rs. 1.31 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 1.31 crore, income tax expense of Rs. 0.04 crore and profit for the year of Rs. 1.27 crore.
Reported under net interest income: interest income of Rs. 9.25 crore and interest expense of Rs. 4.04 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.05 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 2.42 crore, other operating expenses of Rs. 1.2 crore and depreciation & amortisation of Rs. 0.28 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 0.04 crore and deferred tax of Rs. 0 crore.
DLBS Profit & Loss
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 |
|---|
| Net Interest Income | 15.4 | 7.4 | 8.0 | 10.4 |
|---|
| Interest Income | 33.4 | 26.3 | 20.3 | 20.1 |
|---|
| Interest Expense | -17.9 | -18.8 | -12.3 | -9.7 |
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| Net Fee and Commission Income | 3.6 | 4.2 | 3.2 | 4.6 |
|---|
| Fee and Commission Income | 3.6 | 4.2 | 3.2 | 4.6 |
|---|
| Fee and Commission Expense | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Other Operating Income | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Total Operating Income | 19.0 | 11.6 | 11.2 | 15.0 |
|---|
| Impairment Charge/(Reversal) | -8.5 | 0.70 | -1.5 | -1.0 |
|---|
| Net Operating Income | 10.6 | 12.3 | 9.7 | 13.9 |
|---|
| Operating Expenses | -13.9 | -13.8 | -12.3 | -11.0 |
|---|
| Operating Expense - Personnel Expenses | -9.5 | -9.6 | -8.0 | -7.7 |
|---|
| Other Operating Expenses | -3.2 | -3.0 | -3.5 | -2.4 |
|---|
| Depreciation & Amortisation | -1.2 | -1.2 | -0.84 | -0.95 |
|---|
| Operating Profit | -3.3 | -1.5 | -2.6 | 2.9 |
|---|
| Non-Operating Income/(Expense) | 0.00 | 0.00 | 1.8 | 0.00 |
|---|
| Non-Operating Income | 0.00 | 0.00 | 1.8 | 0.00 |
|---|
| Non-Operating Expense | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Profit Before Income Tax | -3.3 | -1.5 | -0.86 | 2.9 |
|---|
| Income Tax Expense | 0.31 | 0.03 | -0.08 | -0.91 |
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| Current Tax | -0.01 | -0.13 | -0.00 | -0.99 |
|---|
| Deferred Tax | 0.32 | 0.15 | -0.07 | 0.08 |
|---|
| Profit for the Year | -3.0 | -1.4 | -0.94 | 2.0 |
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DLBS Balance Sheet
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 |
|---|
| Total Assets | 241 | 239 | 190 | 160 | 111 |
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| Cash and Cash Equivalents | 18.0 | 15.6 | 11.8 | 10.4 | 6.7 |
|---|
| Due from Nepal Rastra Bank | 6.4 | 1.2 | 0.91 | 0.71 | 0.51 |
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| Loans and Advances to Customers | 211 | 216 | 171 | 144 | 103 |
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| Current Tax Assets | 0.71 | 0.69 | 0.77 | 0.71 | 0.00 |
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| Property and Equipment | 3.5 | 4.3 | 4.1 | 3.9 | 0.93 |
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| Goodwill and Intangible Assets | 0.07 | 0.08 | 0.08 | 0.07 | 0.08 |
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| Deferred Tax Assets | 1.0 | 0.70 | 0.55 | 0.04 | 0.00 |
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| Other Assets | 0.38 | 0.41 | 0.43 | 0.48 | 0.45 |
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| Total Liabilities | 223 | 218 | 167 | 142 | 95.5 |
|---|
| Deposits from Customers | 85.6 | 78.1 | 70.8 | 67.6 | 51.5 |
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| Borrowings | 123 | 126 | 84.6 | 63.1 | 35.0 |
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| Current Tax Liabilities | 0.00 | 0.00 | Not reported | 0.00 | 0.28 |
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| Deferred Tax Liabilities | 0.00 | 0.00 | Not reported | 0.00 | 0.04 |
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| Other Liabilities | 13.9 | 13.9 | 12.0 | 11.4 | 8.6 |
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| Total Equity | 18.0 | 21.0 | 22.4 | 17.8 | 15.9 |
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| Share Capital | 13.3 | 13.3 | 13.3 | 7.0 | 7.0 |
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| Retained Earnings | -5.0 | -1.4 | 0.58 | 3.7 | 2.6 |
|---|
| Reserves | 9.7 | 9.1 | 8.5 | 7.1 | 6.3 |
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DLBS 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) | 3.4 | 4.2 | -5.7 | 4.2 |
|---|
| Interest Received | 32.6 | 25.9 | 20.3 | 19.6 |
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| Fees and Other Income Received | 3.6 | 4.2 | 3.2 | 4.6 |
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| Interest Paid | -17.4 | -18.5 | -12.4 | -10.9 |
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| Cash Payment to Employees | -9.5 | -8.9 | -7.9 | -7.6 |
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| Other Expense Paid | -2.7 | -3.3 | -2.4 | -1.3 |
|---|
| Operating Cash Flows Before Changes in Operating Assets and Liabilities | 6.6 | -0.68 | 0.83 | 4.3 |
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| Due from Nepal Rastra Bank | -5.1 | -0.30 | -0.21 | -0.20 |
|---|
| Loan and Advances to Customers | -2.4 | -44.4 | 7.6 | -41.5 |
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| Other Assets | 0.03 | 0.11 | 0.61 | -0.03 |
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| Deposit from Customers | 7.6 | 7.3 | 0.96 | 16.1 |
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| Borrowings | -2.8 | 41.7 | -13.8 | 28.0 |
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| Other Liabilities | -0.43 | 0.50 | -1.7 | -0.53 |
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| Net Cash Flow from Operating Activities Before Tax Paid | 3.4 | 4.2 | -5.7 | 6.2 |
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| Income Taxes Paid | -0.03 | 0.00 | -0.02 | -2.0 |
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| Net Cash Flow from Investing Activities (B) | -0.98 | -0.11 | 2.6 | -0.39 |
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| Purchase of Property and Equipment | -0.98 | -0.09 | -0.22 | -0.39 |
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| Receipt from Sale of Intangible Assets | 0.00 | -0.02 | Not reported | 0.00 |
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| Net Cash Flow from Financing Activities (C) | 0.04 | -0.28 | 4.6 | -0.14 |
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| Receipt from Issue of Shares | 0.00 | 0.00 | 4.6 | -0.07 |
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| Other Receipt/Payment | 0.04 | -0.28 | -0.04 | -0.06 |
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| Net Increase/(Decrease) in Cash and Cash Equivalents | 2.5 | 3.8 | 1.4 | 3.7 |
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| Cash and Cash Equivalents at Shrawan 01 (Beginning of the Year) | 15.6 | 11.8 | 10.4 | 6.7 |
|---|
| Cash and Cash Equivalents at Ashadh End | 18.0 | 15.6 | 11.8 | 10.4 |
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DLBS 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 |
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| Net Interest Income | 2.7 | 4.8 | 3.5 | 5.2 | 3.3 | 4.5 | 1.9 | 4.2 |
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| Interest Income | 6.2 | 8.4 | 7.3 | 9.2 | 7.3 | 9.2 | 6.9 | 9.2 |
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| Interest Expense | -3.5 | -3.6 | -3.8 | -4.0 | -4.0 | -4.7 | -4.9 | -5.0 |
|---|
| Net Fee and Commission Income | 0.04 | 0.05 | 0.03 | 0.05 | 0.04 | 0.04 | 0.04 | 0.11 |
|---|
| Fee and Commission Income | 0.04 | 0.05 | 0.03 | 0.05 | 0.04 | 0.04 | 0.04 | 0.11 |
|---|
| Fee and Commission Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Other Operating Income | 0.80 | 0.87 | 0.71 | 1.1 | 0.43 | 0.86 | 0.63 | 1.2 |
|---|
| Total Operating Income | 3.6 | 5.7 | 4.2 | 6.3 | 3.8 | 5.4 | 2.6 | 5.5 |
|---|
| Impairment Charge/(Reversal) | 0.66 | 0.27 | -0.86 | -1.1 | -0.33 | -0.38 | -0.29 | 2.2 |
|---|
| Net Operating Income | 4.2 | 6.0 | 3.3 | 5.2 | 3.4 | 5.0 | 2.3 | 7.8 |
|---|
| Operating Expenses | -3.4 | -4.3 | -3.0 | -3.9 | -3.1 | -3.5 | -3.6 | -3.9 |
|---|
| Operating Expense - Personnel Expenses | -2.6 | -2.6 | -2.3 | -2.4 | -2.0 | -2.1 | -2.7 | -2.3 |
|---|
| Other Operating Expenses | -0.74 | -1.6 | -0.66 | -1.2 | -0.85 | -1.3 | -0.79 | -0.36 |
|---|
| Depreciation & Amortisation | -0.07 | -0.06 | -0.06 | -0.28 | -0.21 | -0.14 | -0.07 | -1.2 |
|---|
| Operating Profit | 0.83 | 1.7 | 0.35 | 1.3 | 0.32 | 1.5 | -1.2 | 3.9 |
|---|
| Non-Operating Income/(Expense) | 0.03 | -0.35 | 0.02 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Non-Operating Income | 0.03 | 0.02 | 0.02 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Non-Operating Expense | -0.00 | -0.36 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Profit Before Income Tax | 0.86 | 1.4 | 0.37 | 1.3 | 0.32 | 1.5 | -1.2 | 3.9 |
|---|
| Income Tax Expense | -0.26 | -0.41 | -0.11 | -0.04 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Current Tax | -0.26 | -0.41 | -0.11 | -0.04 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Deferred Tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Profit for the Year | 0.60 | 0.96 | 0.26 | 1.3 | 0.32 | 1.5 | -1.2 | 3.9 |
|---|
Dhaulagiri share price history
Over the last 15 trading sessions DLBS closed between Rs. 955.00 and Rs. 1,248.00, finishing at Rs. 1,166.90 on 2026-09-22 against Rs. 1,034.00 on 2026-08-26.
| Date | Open | High | Low | Close | Volume |
|---|
| 2026-09-22 | 1,148.50 | 1,166.90 | 1,083.20 | 1,166.90 | 1,423 |
|---|
| 2026-09-18 | 1,310.00 | 1,310.00 | 1,077.00 | 1,184.00 | 2,079 |
|---|
| 2026-09-17 | 1,055.00 | 1,248.00 | 1,031.10 | 1,248.00 | 4,652 |
|---|
| 2026-09-16 | 1,063.10 | 1,111.00 | 1,018.60 | 1,111.00 | 3,293 |
|---|
| 2026-09-15 | 1,001.00 | 1,119.00 | 1,001.00 | 1,119.00 | 2,315 |
|---|
| 2026-09-14 | 970.00 | 1,003.50 | 966.10 | 973.40 | 217 |
|---|
| 2026-09-11 | 955.00 | 983.00 | 927.00 | 983.00 | 447 |
|---|
| 2026-09-10 | 985.00 | 995.00 | 955.00 | 955.00 | 1,020 |
|---|
| 2026-09-09 | 990.00 | 1,005.00 | 990.00 | 1,000.00 | 250 |
|---|
| 2026-09-07 | 993.00 | 1,000.00 | 993.00 | 1,000.00 | 137 |
|---|
| 2026-09-03 | 981.20 | 1,010.00 | 981.20 | 993.00 | 302 |
|---|
| 2026-09-02 | 990.00 | 1,018.00 | 985.10 | 985.10 | 584 |
|---|
| 2026-09-01 | 990.00 | 1,018.00 | 990.00 | 990.10 | 265 |
|---|
| 2026-08-31 | 985.00 | 999.80 | 985.00 | 990.00 | 168 |
|---|
| 2026-08-26 | 1,022.00 | 1,034.00 | 997.00 | 1,034.00 | 333 |
|---|
DLBS share price by year
2026, between Rs. 927.00 and Rs. 1,495.00, 2025, between Rs. 1,240.00 and Rs. 2,250.00, 2024, between Rs. 751.00 and Rs. 1,870.00, 2023, between Rs. 579.00 and Rs. 1,662.00 and 2022, between Rs. 177.70 and Rs. 1,045.70.
| Year | Low (Rs.) | High (Rs.) | Sessions |
|---|
| 2026 | 927.00 | 1,495.00 | 167 |
|---|
| 2025 | 1,240.00 | 2,250.00 | 224 |
|---|
| 2024 | 751.00 | 1,870.00 | 232 |
|---|
| 2023 | 579.00 | 1,662.00 | 195 |
|---|
| 2022 | 177.70 | 1,045.70 | 32 |
|---|
Dhaulagiri share price returns
At Rs. 1,166.90 on 2026-09-22, DLBS is up 4.28% over 1 week, up 13.62% over 1 month, down 8.48% over 3 months, down 17.42% over 6 months and down 17.16% over 1 year. 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 | +4.28% | 1,119.00 | 2026-09-15 |
|---|
| 1 month | +13.62% | 1,027.00 | 2026-08-21 |
|---|
| 3 months | -8.48% | 1,275.00 | 2026-06-24 |
|---|
| 6 months | -17.42% | 1,413.00 | 2026-03-26 |
|---|
| 1 year | -17.16% | 1,408.67 | 2025-09-21 |
|---|
DLBS floorsheet for 2026-09-22
DLBS traded 50 times on 2026-09-22, moving 1,308 shares for Rs. 0.15 crore of turnover. Trades went through between Rs. 1,067.00 and Rs. 1,166.90.
Largest buyers by volume: broker 35, Kohinoor Investment and Securities Pvt.Ltd on 383 shares across 16 trades, broker 48, Trishakti Securities Public Limited on 376 shares across 3 trades, broker 14, Nepal Stock House Pvt. Limited on 150 shares across 7 trades, broker 34, Vision Securities Pvt.Limited on 61 shares across 1 trades, broker 58, Naasa Securities Co. Ltd. on 55 shares across 5 trades, broker 18, Sagarmatha Securities Pvt. Limited on 50 shares across 1 trades, broker 54, Sewa Securities Pvt. Ltd. on 50 shares across 1 trades, broker 4, Stock Broker Opal Securities Investment Pvt. Limited on 40 shares across 4 trades, broker 19, Nepal Investment & Securities Trading Pvt. Limited on 30 shares across 2 trades and broker 7, J.F. Securities Company Pvt. Limited on 25 shares across 1 trades.
Largest sellers by volume: broker 35, Kohinoor Investment and Securities Pvt.Ltd on 454 shares across 18 trades, broker 63, Himalayan Brokerage Company Limited on 341 shares across 5 trades, broker 14, Nepal Stock House Pvt. Limited on 115 shares across 4 trades, broker 47, Neev Securities Pvt.Ltd on 111 shares across 5 trades, broker 40, Creative Securities Pvt.Limited on 100 shares across 2 trades, broker 45, Imperial Securities Co. Limited on 50 shares across 3 trades, broker 21, Midas Stock Broking Company Pvt. Limited on 24 shares across 2 trades, broker 58, Naasa Securities Co. Ltd. on 20 shares across 1 trades, broker 51, Oxford Securities Pvt.Ltd on 15 shares across 1 trades and broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 11 shares across 2 trades.
DLBS dividend history: bonus shares and cash dividend
Dhaulagiri Laghubitta Bittiya Sanstha Limited most recently declared a 14.25% bonus share issue for 2079/2080, announced on 2023-11-09. 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 |
|---|
| 2079/2080 | 14.25% | | 2023-11-09 |
For 2079/2080 Dhaulagiri Laghubitta Bittiya Sanstha Limited declared a 14.25% bonus share issue, announced on 2023-11-09.
DLBS general meetings
Annual and special general meetings Dhaulagiri Laghubitta Bittiya Sanstha Limited has called. A dividend is declared by the board and approved at the AGM.
- 7th AGM for 2081/2082: on 2026-05-05, at Dhaulagiri Community Research Development Center's Sabhahall, Baglung Municipality-04, Upallachaur, Baglung (11:00 AM)
- 6th AGM for 2080/2081: on 2025-02-22, at Dhaulagiri Community Research Development Center's Sabhahall, Upallachaur, Baglung (11:00 AM)
- 5th AGM for 2079/2080: on 2024-03-14, at Dhaulagiri Community Research Development Center's Sabhahall, Upallachaur, Baglung (11:00 AM)
5 years of annual statements and 8 quarters of results for DLBS, with charts and peer comparison, are free on NepView.
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