Garima Bikas Bank Limited (GBBL) Share Price & Fundamentals

Garima Bikas Bank (GBBL) share price is Rs. 408.80, up 1.19% on 2026-10-12. Open Rs. 405.00. High Rs. 409.00. Low Rs. 401.00. Volume 36,421.

Garima Bikas Bank Limited is a NEPSE-listed company (GBBL), Development Banks sector. Revenue: Rs. 465.16 Crore. Net profit: Rs. 173.03 Crore. Net worth: Rs. 1,079.8 Crore.

About Garima Bikas Bank Limited

Garima Bikas Bank Limited is a national-level Class 'B' development bank licensed by Nepal Rastra Bank, established in 2007 and listed on NEPSE in 2016. Its head office is at Lazimpat-2, Kathmandu, and it operates under the tagline 'Access to All'. Garima has grown through a series of mergers and acquisitions of regional development banks and is among the largest development banks in Nepal by total assets, with a paid-up capital of roughly NPR 6.0 billion. The bank holds a subsidiary, Garima Capital Limited (formerly KCL Astute Capital Limited), and therefore publishes both consolidated (Group) and standalone (Bank) financial statements.

Garima Bikas Bank Limited (GBBL) has 6,02,13,484 shares outstanding. It listed on NEPSE in 2016. Its most recent declared dividend was 4.53% on face value.

GBBL key metrics

GBBL strengths

What Garima Bikas Bank Limited's own accounts show in its favour, graded against the rest of its sector.

• Profit grew 34.7% on last year. (Growth)
• Bad-loan charges come to 1.7% of income, so borrowers are paying back well. (Asset Quality)
• Lends out 79.4% of deposits, comfortably within the 90% Nepal Rastra Bank allows. (Liquidity & Funding)
• 96.1% of its funding comes from customer deposits, which are cheap and stable. (Liquidity & Funding)
• Turns 37.2% of its income into profit once every cost is paid. (Profitability)
• Keeps 56% of income as profit from everyday banking, before tax. (Profitability)
• Earns 16% a year on the money shareholders put in, which is the return owners actually receive. (Profitability)
• Only 0.1% of funding is borrowed, so the bank largely funds itself. (Liquidity & Funding)
• Earns 1.5% a year on everything the bank owns, so its loans and investments are working well. (Profitability)
• 83.4% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
• Each share earned Rs 28.74 of profit over the year. (Shareholder Returns)
• 14.3% of income comes from fees and commissions, so it does not depend on lending alone. (Margins & Income Quality)
• The loan book grew 13.1% on last year, so more money is being put to work. (Growth)

GBBL weaknesses

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

• Only 2.3% of income comes from outside interest, so a change in rates hits hard. (Margins & Income Quality)
• Makes only 3.4% from the gap between lending and deposit rates, so core earnings are squeezed. (Margins & Income Quality)
• Only 9.5% of what it owns belongs to shareholders, so there is less cushion for losses. (Capital Strength)
• Income from lending moved 7.5%, so the core business is not growing. (Growth)
• Owns 10.49x for every rupee shareholders put in. A high multiple magnifies losses as well as gains. (Capital Strength)
• Deposits moved 9.3%, so its cheapest source of funding is not growing. (Growth)
• Each share is backed by only Rs 179.33 of net worth. (Shareholder Returns)
• Total income moved 7% on last year. (Growth)
• Staff costs take 27.2% of income, a heavy load on earnings. (Efficiency)
• Loans are 69% of what the bank owns, so most of its risk sits in lending. (Asset Quality)
• The bank's size moved 8.2% over the year. (Shareholder Returns)

GBBL Q4 2082/83 results

In Q4 2082/83 Garima Bikas Bank Limited reported profit of Rs. 62.62 crore and total operating income of Rs. 122.69 crore. Profit in Q3 2082/83 was Rs. 41.3 crore. Profit grew 51.61% on the previous quarter. Total operating income grew 10.95% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was Rs. 59.58 crore. Profit grew 5.10% on the same quarter last year. Total operating income fell 2.37% on the same quarter last year.

GBBL annual results 2082/83

For the financial year 2082/83 Garima Bikas Bank Limited reported net profit of Rs. 173.03 crore, total operating income of Rs. 465.16 crore and net worth of Rs. 1,079.8 crore. Net profit in 2081/82 was Rs. 128.46 crore. Net profit grew 34.70% on the year. Total operating income grew 6.97% on the year.

GBBL profit and loss for 2082/83

In the financial year 2082/83, Garima Bikas Bank Limited reported net interest income of Rs. 387.82 crore, net fee and commission income of Rs. 66.7 crore, net trading income of Rs. 0.21 crore, other operating income of Rs. 10.84 crore, total operating income of Rs. 465.16 crore, impairment charge/(reversal) of Rs. 7.73 crore, net operating income of Rs. 457.43 crore, operating expenses of Rs. 196.74 crore, operating profit of Rs. 260.69 crore, non-operating income/(expense) of Rs. 10.91 crore, profit before income tax of Rs. 249.78 crore, income tax expense of Rs. 76.75 crore and profit for the year of Rs. 173.03 crore.

Reported under net interest income: interest income of Rs. 759.6 crore and interest expense of Rs. 371.78 crore. Reported under net fee and commission income: fee and commission income of Rs. 68.35 crore and fee and commission expense of Rs. 1.66 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 126.72 crore, other operating expenses of Rs. 47.42 crore and depreciation & amortisation of Rs. 22.6 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.13 crore and non-operating expense of Rs. 11.04 crore. Reported under income tax expense: current tax of Rs. 78.02 crore and deferred tax of Rs. 1.28 crore.

GBBL profit and loss for 2081/82

In the financial year 2081/82, Garima Bikas Bank Limited reported net interest income of Rs. 360.61 crore, net fee and commission income of Rs. 56.04 crore, net trading income of Rs. 6.11 crore, other operating income of Rs. 12.09 crore, total operating income of Rs. 434.85 crore, impairment charge/(reversal) of Rs. 64.71 crore, net operating income of Rs. 370.15 crore, operating expenses of Rs. 184.02 crore, operating profit of Rs. 186.13 crore, non-operating income/(expense) of Rs. 0.24 crore, profit before income tax of Rs. 185.89 crore, income tax expense of Rs. 57.43 crore and profit for the year of Rs. 128.46 crore.

Reported under net interest income: interest income of Rs. 839.6 crore and interest expense of Rs. 478.99 crore. Reported under net fee and commission income: fee and commission income of Rs. 57.14 crore and fee and commission expense of Rs. 1.1 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 113.55 crore, other operating expenses of Rs. 47.12 crore and depreciation & amortisation of Rs. 23.35 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.05 crore and non-operating expense of Rs. 0.29 crore. Reported under income tax expense: current tax of Rs. 58.97 crore and deferred tax of Rs. 1.55 crore.

GBBL profit and loss for 2080/81

In the financial year 2080/81, Garima Bikas Bank Limited reported net interest income of Rs. 331.36 crore, net fee and commission income of Rs. 47.33 crore, net trading income of Rs. 3.54 crore, other operating income of Rs. 3.11 crore, total operating income of Rs. 385.34 crore, impairment charge/(reversal) of Rs. 171.1 crore, net operating income of Rs. 214.24 crore, operating expenses of Rs. 149.4 crore, operating profit of Rs. 64.83 crore, non-operating income/(expense) of Rs. 0.13 crore, profit before income tax of Rs. 64.96 crore, income tax expense of Rs. 21.07 crore and profit for the year of Rs. 43.89 crore.

Reported under net interest income: interest income of Rs. 1,011.48 crore and interest expense of Rs. 680.12 crore. Reported under net fee and commission income: fee and commission income of Rs. 49.84 crore and fee and commission expense of Rs. 2.51 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 84.21 crore, other operating expenses of Rs. 48.87 crore and depreciation & amortisation of Rs. 16.32 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.13 crore. Reported under income tax expense: current tax of Rs. 21.59 crore and deferred tax of Rs. 0.52 crore.

GBBL balance sheet for 2082/83

In the financial year 2082/83, Garima Bikas Bank Limited reported total assets of Rs. 11,329.2 crore, total liabilities of Rs. 10,249.4 crore and total equity of Rs. 1,079.8 crore.

Reported under total assets: cash and cash equivalents of Rs. 295.21 crore, due from nepal rastra bank of Rs. 406.89 crore, placement with banks and fis of Rs. 0 crore, other trading assets of Rs. 0 crore, loans and advances to banks and fis of Rs. 335.94 crore, loans and advances to customers of Rs. 7,821.57 crore, investment securities of Rs. 2,120.17 crore, current tax assets of Rs. 0.27 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 63 crore, property and equipment of Rs. 180.84 crore, goodwill and intangible assets of Rs. 10.4 crore, deferred tax assets of Rs. 8.08 crore and other assets of Rs. 86.83 crore. Reported under total liabilities: due to banks and fis of Rs. 139.19 crore, due to nepal rastra bank of Rs. 0 crore, deposits from customers of Rs. 9,846.99 crore, borrowings of Rs. 8.1 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 155.45 crore, debt securities issued of Rs. 99.67 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 602.13 crore, share premium of Rs. 0 crore, retained earnings of Rs. 119.64 crore, reserves of Rs. 347.16 crore and non controlling interest of Rs. 10.86 crore.

GBBL balance sheet for 2081/82

In the financial year 2081/82, Garima Bikas Bank Limited reported total assets of Rs. 10,475.09 crore, total liabilities of Rs. 9,536.43 crore and total equity of Rs. 938.66 crore.

Reported under total assets: cash and cash equivalents of Rs. 316.6 crore, due from nepal rastra bank of Rs. 377.85 crore, placement with banks and fis of Rs. 0 crore, other trading assets of Rs. 0 crore, loans and advances to banks and fis of Rs. 457.42 crore, loans and advances to customers of Rs. 6,913.07 crore, investment securities of Rs. 2,052.73 crore, current tax assets of Rs. 10.08 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 67.55 crore, property and equipment of Rs. 193.31 crore, goodwill and intangible assets of Rs. 10.54 crore, deferred tax assets of Rs. 3.53 crore and other assets of Rs. 72.4 crore. Reported under total liabilities: due to banks and fis of Rs. 256.6 crore, due to nepal rastra bank of Rs. 0 crore, deposits from customers of Rs. 9,011.28 crore, borrowings of Rs. 9.86 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 158.98 crore, debt securities issued of Rs. 99.71 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 568.05 crore, share premium of Rs. 0 crore, retained earnings of Rs. 59.56 crore, reserves of Rs. 299.69 crore and non controlling interest of Rs. 11.35 crore.

GBBL balance sheet for 2080/81

In the financial year 2080/81, Garima Bikas Bank Limited reported total assets of Rs. 9,649.83 crore, total liabilities of Rs. 8,815.74 crore and total equity of Rs. 834.09 crore.

Reported under total assets: cash and cash equivalents of Rs. 471.63 crore, due from nepal rastra bank of Rs. 374.96 crore, placement with banks and fis of Rs. 0 crore, other trading assets of Rs. 0 crore, loans and advances to banks and fis of Rs. 433.31 crore, loans and advances to customers of Rs. 6,459.05 crore, investment securities of Rs. 1,685.17 crore, current tax assets of Rs. 42.26 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 21.43 crore, property and equipment of Rs. 58.12 crore, goodwill and intangible assets of Rs. 9.91 crore, deferred tax assets of Rs. 3.84 crore and other assets of Rs. 90.16 crore. Reported under total liabilities: due to banks and fis of Rs. 178.33 crore, due to nepal rastra bank of Rs. 0 crore, deposits from customers of Rs. 8,425.12 crore, borrowings of Rs. 5.52 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 107.17 crore, debt securities issued of Rs. 99.6 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 568.05 crore, share premium of Rs. 0 crore, retained earnings of Rs. 26.43 crore, reserves of Rs. 230.42 crore and non controlling interest of Rs. 9.19 crore.

GBBL cash flow for 2082/83

In the financial year 2082/83, Garima Bikas Bank Limited reported net cash flow from operating activities (a) of Rs. 76.6 crore, net cash flow from investing activities (b) of Rs. 75.07 crore, net cash flow from financing activities (c) of Rs. 25.77 crore, net increase/(decrease) in cash and cash equivalents of Rs. 24.24 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 316.6 crore, effect of exchange rate fluctuations on cash and cash equivalents held of Rs. 2.84 crore and cash and cash equivalents at ashadh end of Rs. 295.21 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 761.97 crore, fees and other income received of Rs. 68.49 crore, dividend received of Rs. 5.21 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 379 crore, commission and fees paid of Rs. 1.66 crore, cash payment to employees of Rs. 118.33 crore, other expense paid of Rs. 70.56 crore, operating cash flows before changes in operating assets and liabilities of Rs. 266.11 crore, due from nepal rastra bank of Rs. 29.03 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. 121.48 crore, loan and advances to customers of Rs. 918.59 crore, other assets of Rs. 14.43 crore, due to banks and financial institutions of Rs. 117.41 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 835.71 crore, borrowings of Rs. 1.76 crore, other liabilities of Rs. 1.27 crore, net cash flow from operating activities before tax paid of Rs. 143.35 crore and income taxes paid of Rs. 66.74 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 72.21 crore, receipts from sale of investment securities of Rs. 2.58 crore, purchase of property and equipment of Rs. 10.13 crore, receipt from sale of property and equipment of Rs. 0.1 crore, purchase of intangible assets of Rs. 0 crore, receipt from sale of intangible assets of Rs. 0.14 crore, purchase of investment properties of Rs. 0 crore and receipt from sale of investment properties of Rs. 4.46 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 0.04 crore, receipt from issue of subordinated liabilities of Rs. 0 crore, receipt from issue of shares of Rs. 34.08 crore, dividends paid of Rs. 59.82 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 0 crore.

GBBL cash flow for 2081/82

In the financial year 2081/82, Garima Bikas Bank Limited reported net cash flow from operating activities (a) of Rs. 420.03 crore, net cash flow from investing activities (b) of Rs. 552.93 crore, net cash flow from financing activities (c) of Rs. 28.3 crore, net increase/(decrease) in cash and cash equivalents of Rs. 161.2 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 471.63 crore, effect of exchange rate fluctuations on cash and cash equivalents held of Rs. 6.17 crore and cash and cash equivalents at ashadh end of Rs. 316.6 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 856.82 crore, fees and other income received of Rs. 57.38 crore, dividend received of Rs. 2.2 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 484.76 crore, commission and fees paid of Rs. 1.1 crore, cash payment to employees of Rs. 89.57 crore, other expense paid of Rs. 19.84 crore, operating cash flows before changes in operating assets and liabilities of Rs. 321.12 crore, due from nepal rastra bank of Rs. 2.89 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. 24.11 crore, loan and advances to customers of Rs. 535.95 crore, other assets of Rs. 17.76 crore, due to banks and financial institutions of Rs. 78.27 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 586.17 crore, borrowings of Rs. 4.34 crore, other liabilities of Rs. 2.1 crore, net cash flow from operating activities before tax paid of Rs. 446.81 crore and income taxes paid of Rs. 26.78 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 357.27 crore, receipts from sale of investment securities of Rs. 3.84 crore, purchase of property and equipment of Rs. 158.55 crore, receipt from sale of property and equipment of Rs. 5.94 crore, purchase of intangible assets of Rs. 0.63 crore, receipt from sale of intangible assets of Rs. 0 crore, purchase of investment properties of Rs. 46.12 crore and receipt from sale of investment properties of Rs. 0.13 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 0.1 crore, receipt from issue of subordinated liabilities of Rs. 0 crore, receipt from issue of shares of Rs. 0 crore, dividends paid of Rs. 28.4 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 0 crore.

GBBL cash flow for 2080/81

In the financial year 2080/81, Garima Bikas Bank Limited reported net cash flow from operating activities (a) of Rs. 187.03 crore, net cash flow from investing activities (b) of Rs. 175.66 crore, net cash flow from financing activities (c) of Rs. 2.5 crore, net increase/(decrease) in cash and cash equivalents of Rs. 8.87 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 458.92 crore, effect of exchange rate fluctuations on cash and cash equivalents held of Rs. 3.83 crore and cash and cash equivalents at ashadh end of Rs. 471.63 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 1,011.86 crore, fees and other income received of Rs. 49.97 crore, dividend received of Rs. 2.17 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 686.49 crore, commission and fees paid of Rs. 2.51 crore, cash payment to employees of Rs. 92.51 crore, other expense paid of Rs. 52.71 crore, operating cash flows before changes in operating assets and liabilities of Rs. 229.77 crore, due from nepal rastra bank of Rs. 78.78 crore, placement with banks and financial institutions of Rs. 1.5 crore, other trading assets of Rs. 7.33 crore, loan and advances to banks and financial institutions of Rs. 135.93 crore, loan and advances to customers of Rs. 434.05 crore, other assets of Rs. 21.99 crore, due to banks and financial institutions of Rs. 32.12 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 730.45 crore, borrowings of Rs. 4.06 crore, other liabilities of Rs. 0.97 crore, net cash flow from operating activities before tax paid of Rs. 254.59 crore and income taxes paid of Rs. 67.57 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 167 crore, receipts from sale of investment securities of Rs. 0.22 crore, purchase of property and equipment of Rs. 6.84 crore, receipt from sale of property and equipment of Rs. 0.43 crore, purchase of intangible assets of Rs. 0 crore, receipt from sale of intangible assets of Rs. 0.23 crore, purchase of investment properties of Rs. 2.7 crore and receipt from sale of investment properties of Rs. 0 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 0.09 crore, receipt from issue of subordinated liabilities of Rs. 0 crore, receipt from issue of shares of Rs. 48.84 crore, dividends paid of Rs. 51.44 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 0 crore.

GBBL quarterly for Q4 2082/83

In the quarter Q4 2082/83, Garima Bikas Bank Limited reported net interest income of Rs. 101.57 crore, net fee and commission income of Rs. 19.61 crore, net trading income of Rs. 2 crore, other operating income of Rs. 3.5 crore, total operating income of Rs. 122.69 crore, impairment charge/(reversal) of Rs. 34.14 crore, net operating income of Rs. 156.83 crore, operating expenses of Rs. 52.07 crore, operating profit of Rs. 104.76 crore, non-operating income/(expense) of Rs. 9.5 crore, profit before income tax of Rs. 95.26 crore, income tax expense of Rs. 32.64 crore and profit for the year of Rs. 62.62 crore.

Reported under net interest income: interest income of Rs. 191.12 crore and interest expense of Rs. 89.55 crore. Reported under net fee and commission income: fee and commission income of Rs. 20.23 crore and fee and commission expense of Rs. 0.62 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 32.39 crore, other operating expenses of Rs. 5.26 crore and depreciation & amortisation of Rs. 14.42 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.06 crore and non-operating expense of Rs. 9.56 crore. Reported under income tax expense: current tax of Rs. 33.26 crore and deferred tax of Rs. 0.63 crore.

GBBL quarterly for Q3 2082/83

In the quarter Q3 2082/83, Garima Bikas Bank Limited reported net interest income of Rs. 91.77 crore, net fee and commission income of Rs. 17.17 crore, net trading income of Rs. 0.54 crore, other operating income of Rs. 1.1 crore, total operating income of Rs. 110.58 crore, impairment charge/(reversal) of Rs. 0.8 crore, net operating income of Rs. 109.78 crore, operating expenses of Rs. 49.29 crore, operating profit of Rs. 60.5 crore, non-operating income/(expense) of Rs. 1.47 crore, profit before income tax of Rs. 59.03 crore, income tax expense of Rs. 17.73 crore and profit for the year of Rs. 41.3 crore.

Reported under net interest income: interest income of Rs. 175.32 crore and interest expense of Rs. 83.55 crore. Reported under net fee and commission income: fee and commission income of Rs. 17.49 crore and fee and commission expense of Rs. 0.32 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 33.2 crore, other operating expenses of Rs. 13.58 crore and depreciation & amortisation of Rs. 2.5 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.01 crore and non-operating expense of Rs. 1.48 crore. Reported under income tax expense: current tax of Rs. 17.75 crore and deferred tax of Rs. 0.03 crore.

GBBL quarterly for Q2 2082/83

In the quarter Q2 2082/83, Garima Bikas Bank Limited reported net interest income of Rs. 88.1 crore, net fee and commission income of Rs. 17.2 crore, net trading income of Rs. 0.59 crore, other operating income of Rs. 2.07 crore, total operating income of Rs. 107.96 crore, impairment charge/(reversal) of Rs. 4.93 crore, net operating income of Rs. 103.03 crore, operating expenses of Rs. 48.1 crore, operating profit of Rs. 54.93 crore, non-operating income/(expense) of Rs. 0.02 crore, profit before income tax of Rs. 54.94 crore, income tax expense of Rs. 16.45 crore and profit for the year of Rs. 38.5 crore.

Reported under net interest income: interest income of Rs. 179.05 crore and interest expense of Rs. 90.95 crore. Reported under net fee and commission income: fee and commission income of Rs. 17.6 crore and fee and commission expense of Rs. 0.39 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 31.01 crore, other operating expenses of Rs. 14.38 crore and depreciation & amortisation of Rs. 2.72 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. 16.48 crore and deferred tax of Rs. 0.03 crore.

GBBL quarterly for Q1 2082/83

In the quarter Q1 2082/83, Garima Bikas Bank Limited reported net interest income of Rs. 99.73 crore, net fee and commission income of Rs. 12.57 crore, net trading income of Rs. 0.66 crore, other operating income of Rs. 4.16 crore, total operating income of Rs. 117.12 crore, impairment charge/(reversal) of Rs. 33.32 crore, net operating income of Rs. 83.8 crore, operating expenses of Rs. 47.88 crore, operating profit of Rs. 35.93 crore, non-operating income/(expense) of Rs. 0.03 crore, profit before income tax of Rs. 35.96 crore, income tax expense of Rs. 10.79 crore and profit for the year of Rs. 25.17 crore.

Reported under net interest income: interest income of Rs. 205.46 crore and interest expense of Rs. 105.73 crore. Reported under net fee and commission income: fee and commission income of Rs. 12.9 crore and fee and commission expense of Rs. 0.32 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 30.29 crore, other operating expenses of Rs. 14.63 crore and depreciation & amortisation of Rs. 2.96 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. 10.74 crore and deferred tax of Rs. 0.05 crore.

GBBL Profit & Loss

Values in Rs. Crore unless stated otherwise.

GBBL Balance Sheet

Values in Rs. Crore unless stated otherwise.

GBBL Cash Flow

Values in Rs. Crore unless stated otherwise.

GBBL Quarterly Results

Values in Rs. Crore unless stated otherwise.

Garima Bikas Bank share price history

Over the last 15 trading sessions GBBL closed between Rs. 399.00 and Rs. 457.30, finishing at Rs. 408.80 on 2026-10-12 against Rs. 455.00 on 2026-09-18.

GBBL share price by year

2026, between Rs. 376.70 and Rs. 460.00, 2025, between Rs. 357.26 and Rs. 469.81, 2024, between Rs. 330.19 and Rs. 501.32, 2023, between Rs. 289.48 and Rs. 372.53, 2022, between Rs. 242.45 and Rs. 410.79 and 2021, between Rs. 175.46 and Rs. 492.95.

Garima Bikas Bank share price returns

At Rs. 408.80 on 2026-10-12, GBBL is up 2.46% over 1 week, down 7.72% over 1 month, up 3.23% over 3 months, down 1.02% over 6 months, up 5.72% over 1 year and up 10.28% over 5 years. Each return compares that close with the last close on or before the same date in the earlier period.

GBBL floorsheet for 2026-10-12

GBBL traded 158 times on 2026-10-12, moving 36,421 shares for Rs. 1.48 crore of turnover. Trades went through between Rs. 391.90 and Rs. 409.00.

Largest buyers by volume: broker 66, Miyo Securities Pvt Ltd on 16,100 shares across 30 trades, broker 35, Kohinoor Investment and Securities Pvt.Ltd on 4,900 shares across 14 trades, broker 48, Trishakti Securities Public Limited on 2,000 shares across 10 trades, broker 60, Nagarik Stock Dealer Company Ltd. on 2,000 shares across 5 trades, broker 58, Naasa Securities Co. Ltd. on 1,630 shares across 16 trades, broker 59, Deevyaa Securities & Stock House Pvt. Ltd on 1,444 shares across 8 trades, broker 1, Kumari Securities Pvt. Limited on 1,000 shares across 1 trades, broker 34, Vision Securities Pvt.Limited on 996 shares across 5 trades, broker 63, Himalayan Brokerage Company Limited on 985 shares across 8 trades and broker 22, Siprabi Securities Pvt. Limited on 670 shares across 2 trades.

Largest sellers by volume: broker 44, Dynamic Money Managers Securities Pvt.Ltd on 5,023 shares across 3 trades, broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 3,274 shares across 12 trades, broker 60, Nagarik Stock Dealer Company Ltd. on 2,200 shares across 1 trades, broker 70, Infinity Securities Limited on 2,050 shares across 8 trades, broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 2,031 shares across 9 trades, broker 14, Nepal Stock House Pvt. Limited on 1,975 shares across 3 trades, broker 26, Asian Securities Pvt. Limited on 1,600 shares across 5 trades, broker 74, Kalash Stock Market Pvt. Ltd. on 1,500 shares across 1 trades, broker 69, Index Securities Limited on 1,482 shares across 2 trades and broker 45, Imperial Securities Co. Limited on 1,316 shares across 6 trades.

GBBL dividend history: bonus shares and cash dividend

Garima Bikas Bank Limited most recently declared a 10% bonus share issue and a 10% cash dividend, 20% in total for 2082/2083, announced on 2026-09-15. Percentages are of paid up value. Declared, not necessarily paid: a dividend is subject to the annual general meeting approving it.

For 2082/2083 Garima Bikas Bank Limited declared a 10% bonus share issue and a 10% cash dividend, 20% in total, announced on 2026-09-15.

For 2081/2082 Garima Bikas Bank Limited declared a 6% bonus share issue and a 4.53% cash dividend, 10.53% in total, announced on 2025-10-20.

For 2080/2081 Garima Bikas Bank Limited declared a 5% cash dividend, announced on 2024-12-20.

For 2079/2080 Garima Bikas Bank Limited declared a 9.5% bonus share issue, announced on 2023-12-24.

For 2078/2079 Garima Bikas Bank Limited declared a 13% bonus share issue and a 1.5% cash dividend, 14.5% in total, announced on 2022-12-14.

GBBL general meetings

Annual and special general meetings Garima Bikas Bank Limited has called. A dividend is declared by the board and approved at the AGM.

• 20th AGM for 2082/2083: on 2026-10-12, at Hotel Pokhara Grand, Birauta, Pokhara, Kaski (10:30 AM)
• 19th AGM for 2081/2082: on 2025-11-13, at Hotel Pokhara Grand, Birauta, Pokhara, Kaski (11:00 AM)
• 18th agm for 2080/2081: on 2025-01-13, at Hotel Pokhara Grand, Birauta, Pokhara, Kaski (10:30 AM)

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

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