Grameen Bikas Laghubitta Bittiya Sanstha Ltd. (GBLBS) Share Price & Fundamentals
Grameen Bikas (GBLBS) share price is Rs. 706.00, up 4.13% on 2026-09-22. Open Rs. 690.00. High Rs. 706.00. Low Rs. 675.10. Volume 6,615.
Grameen Bikas Laghubitta Bittiya Sanstha Ltd. is a NEPSE-listed company (GBLBS), Microfinance sector. Revenue: Rs. 126.53 Crore. Net profit: Rs. 31.45 Crore. Net worth: Rs. 288.21 Crore.
About Grameen Bikas Laghubitta Bittiya Sanstha Ltd.
Grameen Bikas Laghubitta Bittiya Sanstha Ltd. is a 'D'-class national-level retail microfinance institution licensed by Nepal Rastra Bank, head-officed at Butwal Sub-Metropolitan City-10, Kalikanagar, Rupandehi. It provides microcredit, deposit and related services. (Profile compiled from the financial statements provided.)
Grameen Bikas Laghubitta Bittiya Sanstha Ltd. (GBLBS) has 1,00,53,500 shares outstanding.
GBLBS key metrics
GBLBS strengths
What Grameen Bikas Laghubitta Bittiya Sanstha Ltd.'s own accounts show in its favour, graded against the rest of its sector.
- Makes 8.1% on its assets from the gap between what it charges borrowers and pays savers. (Margins & Income Quality)
- 19.9% of what the bank owns belongs to shareholders rather than depositors and lenders. (Capital Strength)
- Earns 2.2% a year on everything the bank owns, so its loans and investments are working well. (Profitability)
- Owns 5.02x for every rupee shareholders put in, a modest multiple that limits risk. (Capital Strength)
- Each share is backed by Rs 286.68 of the bank's own net worth. (Shareholder Returns)
- Income from lending grew 18.5% on last year, so the core business is expanding. (Growth)
- 92.2% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
- Only 0.8% of funding is borrowed, so the bank largely funds itself. (Liquidity & Funding)
- Total income grew 18.7% on last year. (Growth)
GBLBS weaknesses
What the same accounts show against it. Both lists are computed from the filed figures, not opinion, and are not advice.
- Profit moved -15.2% on last year, so earnings are not building up. (Growth)
- Only 30.7% of funding comes from deposits, so it relies on costlier borrowing. (Liquidity & Funding)
- Net profit margin is 17.8%, less than most lenders keep once every cost is paid. (Profitability)
- Staff costs take 51.1% of income, a heavy load on earnings. (Efficiency)
- Loans are 87.6% of what the bank owns, so most of its risk sits in lending. (Asset Quality)
- Operating margin is 24.7%, so running costs take too much of what core banking earns. (Profitability)
- Only 7.8% of income comes from fees, so it leans heavily on lending. (Margins & Income Quality)
- Deposits moved 0.4%, so its cheapest source of funding is not growing. (Growth)
- Return on shareholders' money is 10.9%, below what owners would hope for. (Profitability)
- Only 0% of income comes from outside interest, so a change in rates hits hard. (Margins & Income Quality)
- 10.6% of income is lost to loans going bad, which eats directly into profit. (Asset Quality)
- Each share produced Rs 26.53 over the year. (Shareholder Returns)
- The loan book moved 11%, so lending is not expanding. (Growth)
- The bank's size moved 9.1% over the year. (Shareholder Returns)
GBLBS Q2 2082/83 results
In Q2 2082/83 Grameen Bikas Laghubitta Bittiya Sanstha Ltd. reported profit of Rs. 9.79 crore and total operating income of Rs. 35.87 crore. Profit in Q1 2082/83 was Rs. 12.2 crore. Profit fell 19.79% on the previous quarter. Total operating income grew 0.65% on the previous quarter. Profit in Q2 2081/82, the same quarter a year earlier, was Rs. 9.69 crore. Profit grew 0.96% on the same quarter last year. Total operating income grew 21.18% on the same quarter last year.
GBLBS annual results 2081/82
For the financial year 2081/82 Grameen Bikas Laghubitta Bittiya Sanstha Ltd. reported net profit of Rs. 31.45 crore, total operating income of Rs. 126.53 crore and net worth of Rs. 288.21 crore. Net profit in 2080/81 was Rs. 28.47 crore. Net profit grew 10.45% on the year. Total operating income grew 23.41% on the year.
GBLBS profit and loss for 2081/82
In the financial year 2081/82, Grameen Bikas Laghubitta Bittiya Sanstha Ltd. reported net interest income of Rs. 116.72 crore, net fee and commission income of Rs. 9.47 crore, other operating income of Rs. 0.34 crore, total operating income of Rs. 126.53 crore, impairment charge/(reversal) of Rs. 8.89 crore, net operating income of Rs. 135.42 crore, operating expenses of Rs. 90.43 crore, operating profit of Rs. 44.98 crore, non-operating income/(expense) of Rs. 0.06 crore, profit before income tax of Rs. 45.04 crore, income tax expense of Rs. 13.59 crore and profit for the year of Rs. 31.45 crore.
Reported under net interest income: interest income of Rs. 199.8 crore and interest expense of Rs. 83.07 crore. Reported under net fee and commission income: fee and commission income of Rs. 9.75 crore and fee and commission expense of Rs. 0.28 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 72.3 crore, other operating expenses of Rs. 14.35 crore and depreciation & amortisation of Rs. 3.79 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.06 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 2.87 crore and deferred tax of Rs. 10.73 crore.
GBLBS profit and loss for 2080/81
In the financial year 2080/81, Grameen Bikas Laghubitta Bittiya Sanstha Ltd. reported net interest income of Rs. 97.5 crore, net fee and commission income of Rs. 5 crore, other operating income of Rs. 0.02 crore, total operating income of Rs. 102.52 crore, impairment charge/(reversal) of Rs. 38.48 crore, net operating income of Rs. 141 crore, operating expenses of Rs. 94.76 crore, operating profit of Rs. 46.24 crore, non-operating income/(expense) of Rs. 0.09 crore, profit before income tax of Rs. 46.33 crore, income tax expense of Rs. 17.86 crore and profit for the year of Rs. 28.47 crore.
Reported under net interest income: interest income of Rs. 188.33 crore and interest expense of Rs. 90.84 crore. Reported under net fee and commission income: fee and commission income of Rs. 5.68 crore and fee and commission expense of Rs. 0.68 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 78.61 crore, other operating expenses of Rs. 12.4 crore and depreciation & amortisation of Rs. 3.74 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.09 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. 17.86 crore.
GBLBS profit and loss for 2079/80
In the financial year 2079/80, Grameen Bikas Laghubitta Bittiya Sanstha Ltd. reported net interest income of Rs. 125.41 crore, net fee and commission income of Rs. 6.3 crore, other operating income of Rs. 0 crore, total operating income of Rs. 131.7 crore, impairment charge/(reversal) of Rs. 48.28 crore, net operating income of Rs. 83.43 crore, operating expenses of Rs. 99.87 crore, operating profit of Rs. 16.44 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 16.43 crore, income tax expense of Rs. 8.52 crore and profit for the year of Rs. 7.91 crore.
Reported under net interest income: interest income of Rs. 221.23 crore and interest expense of Rs. 95.82 crore. Reported under net fee and commission income: fee and commission income of Rs. 7.6 crore and fee and commission expense of Rs. 1.3 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 87.16 crore, other operating expenses of Rs. 9.02 crore and depreciation & amortisation of Rs. 3.68 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. 7.66 crore and deferred tax of Rs. 16.19 crore.
GBLBS balance sheet for 2081/82
In the financial year 2081/82, Grameen Bikas Laghubitta Bittiya Sanstha Ltd. reported total assets of Rs. 1,447.2 crore, total liabilities of Rs. 1,158.99 crore and total equity of Rs. 288.21 crore.
Reported under total assets: cash and cash equivalents of Rs. 79.69 crore, due from nepal rastra bank of Rs. 0.03 crore, placement with banks and fis of Rs. 0 crore, loans and advances to customers of Rs. 1,267.85 crore, investment securities of Rs. 0.2 crore, current tax assets of Rs. 22.24 crore, property and equipment of Rs. 8.83 crore, goodwill and intangible assets of Rs. 0.24 crore, deferred tax assets of Rs. 43.24 crore and other assets of Rs. 24.88 crore. Reported under total liabilities: due to banks and fis of Rs. 724.75 crore, deposits from customers of Rs. 356.07 crore, borrowings of Rs. 8.98 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore and other liabilities of Rs. 69.18 crore. Reported under total equity: share capital of Rs. 98.25 crore, share premium of Rs. 6.83 crore, retained earnings of Rs. 19.83 crore and reserves of Rs. 202.97 crore.
GBLBS balance sheet for 2080/81
In the financial year 2080/81, Grameen Bikas Laghubitta Bittiya Sanstha Ltd. reported total assets of Rs. 1,326.04 crore, total liabilities of Rs. 1,072.47 crore and total equity of Rs. 253.57 crore.
Reported under total assets: cash and cash equivalents of Rs. 77.52 crore, due from nepal rastra bank of Rs. 0.03 crore, placement with banks and fis of Rs. 0 crore, loans and advances to customers of Rs. 1,141.86 crore, investment securities of Rs. 0.2 crore, current tax assets of Rs. 15.47 crore, property and equipment of Rs. 8.43 crore, goodwill and intangible assets of Rs. 0.25 crore, deferred tax assets of Rs. 55.93 crore and other assets of Rs. 26.34 crore. Reported under total liabilities: due to banks and fis of Rs. 612 crore, deposits from customers of Rs. 354.64 crore, borrowings of Rs. 12.97 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore and other liabilities of Rs. 92.86 crore. Reported under total equity: share capital of Rs. 98.25 crore, share premium of Rs. 6.83 crore, retained earnings of Rs. 43.34 crore and reserves of Rs. 191.83 crore.
GBLBS balance sheet for 2079/80
In the financial year 2079/80, Grameen Bikas Laghubitta Bittiya Sanstha Ltd. reported total assets of Rs. 1,265.22 crore, total liabilities of Rs. 1,047.38 crore and total equity of Rs. 217.84 crore.
Reported under total assets: cash and cash equivalents of Rs. 35.16 crore, due from nepal rastra bank of Rs. 0.03 crore, placement with banks and fis of Rs. 0 crore, loans and advances to customers of Rs. 1,134.3 crore, investment securities of Rs. 0.2 crore, current tax assets of Rs. 0 crore, property and equipment of Rs. 6.9 crore, goodwill and intangible assets of Rs. 0.31 crore, deferred tax assets of Rs. 77.12 crore and other assets of Rs. 11.19 crore. Reported under total liabilities: due to banks and fis of Rs. 521.19 crore, deposits from customers of Rs. 374.77 crore, borrowings of Rs. 12.97 crore, current tax liabilities of Rs. 8.98 crore, provisions of Rs. 0 crore and other liabilities of Rs. 129.48 crore. Reported under total equity: share capital of Rs. 98.25 crore, share premium of Rs. 6.83 crore, retained earnings of Rs. 59.14 crore and reserves of Rs. 171.9 crore.
GBLBS cash flow for 2080/81
In the financial year 2080/81, Grameen Bikas Laghubitta Bittiya Sanstha Ltd. reported net cash flow from operating activities (a) of Rs. 109.54 crore, net cash flow from investing activities (b) of Rs. 0.85 crore, net cash flow from financing activities (c) of Rs. 68.03 crore, net increase/(decrease) in cash and cash equivalents of Rs. 42.36 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 35.16 crore and cash and cash equivalents at ashadh end of Rs. 77.52 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 172.22 crore, fees and other income received of Rs. 5.77 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 26.81 crore, commission and fees paid of Rs. 0.68 crore, cash payment to employees of Rs. 55.95 crore, other expense paid of Rs. 12.4 crore, operating cash flows before changes in operating assets and liabilities of Rs. 82.15 crore, due from nepal rastra bank of Rs. 0 crore, loan and advances to customers of Rs. 41.9 crore, other assets of Rs. 13.18 crore, due to banks and financial institutions of Rs. 90.82 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 20.13 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 47.58 crore, net cash flow from operating activities before tax paid of Rs. 133.98 crore and income taxes paid of Rs. 24.44 crore. Reported under net cash flow from investing activities (b): receipts from sale of investment securities of Rs. 0 crore, purchase of property and equipment of Rs. 1.14 crore, receipt from sale of property and equipment of Rs. 0.02 crore, receipt from sale of intangible assets of Rs. 0 crore and interest received of Rs. 1.97 crore. Reported under net cash flow from financing activities (c): dividends paid of Rs. 63.26 crore and other receipt/payment of Rs. 4.76 crore.
GBLBS cash flow for 2079/80
In the financial year 2079/80, Grameen Bikas Laghubitta Bittiya Sanstha Ltd. reported net cash flow from operating activities (a) of Rs. 59.82 crore, net cash flow from investing activities (b) of Rs. 0.34 crore, net cash flow from financing activities (c) of Rs. 75.18 crore, net increase/(decrease) in cash and cash equivalents of Rs. 15.69 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 50.85 crore and cash and cash equivalents at ashadh end of Rs. 35.16 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 213.27 crore, fees and other income received of Rs. 7.6 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 26.97 crore, commission and fees paid of Rs. 1.3 crore, cash payment to employees of Rs. 63.59 crore, other expense paid of Rs. 9.02 crore, operating cash flows before changes in operating assets and liabilities of Rs. 119.99 crore, due from nepal rastra bank of Rs. 0.02 crore, loan and advances to customers of Rs. 111.93 crore, other assets of Rs. 0.22 crore, due to banks and financial institutions of Rs. 61.26 crore, due to nepal rastra bank of Rs. 68.8 crore, deposit from customers of Rs. 17.41 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 18.35 crore, net cash flow from operating activities before tax paid of Rs. 66.3 crore and income taxes paid of Rs. 6.47 crore. Reported under net cash flow from investing activities (b): receipts from sale of investment securities of Rs. 0 crore, purchase of property and equipment of Rs. 1.15 crore, receipt from sale of property and equipment of Rs. 0 crore, receipt from sale of intangible assets of Rs. 0.3 crore and interest received of Rs. 1.1 crore. Reported under net cash flow from financing activities (c): dividends paid of Rs. 71.33 crore and other receipt/payment of Rs. 3.85 crore.
GBLBS cash flow for 2078/79
In the financial year 2078/79, Grameen Bikas Laghubitta Bittiya Sanstha Ltd. reported net cash flow from operating activities (a) of Rs. 100.86 crore, net cash flow from investing activities (b) of Rs. 79.43 crore, net cash flow from financing activities (c) of Rs. 0 crore, net increase/(decrease) in cash and cash equivalents of Rs. 21.44 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 72.27 crore and cash and cash equivalents at ashadh end of Rs. 50.83 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 210.31 crore, fees and other income received of Rs. 14.28 crore, receipts from other operating activities of Rs. 0.57 crore, interest paid of Rs. 81.93 crore, commission and fees paid of Rs. 0 crore, cash payment to employees of Rs. 70.16 crore, other expense paid of Rs. 30.61 crore, operating cash flows before changes in operating assets and liabilities of Rs. 42.45 crore, due from nepal rastra bank of Rs. 0 crore, loan and advances to customers of Rs. 100.92 crore, other assets of Rs. 1.16 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. 12.33 crore, borrowings of Rs. 44.5 crore, other liabilities of Rs. 4.54 crore, net cash flow from operating activities before tax paid of Rs. 87.26 crore and income taxes paid of Rs. 13.6 crore. Reported under net cash flow from investing activities (b): receipts from sale of investment securities of Rs. 80 crore, purchase of property and equipment of Rs. 0.61 crore, receipt from sale of property and equipment of Rs. 0.04 crore, receipt from sale of intangible assets of Rs. 0 crore and interest received of Rs. 0 crore. Reported under net cash flow from financing activities (c): dividends paid of Rs. 0 crore and other receipt/payment of Rs. 0 crore.
GBLBS quarterly for Q2 2082/83
In the quarter Q2 2082/83, Grameen Bikas Laghubitta Bittiya Sanstha Ltd. reported net interest income of Rs. 32.87 crore, net fee and commission income of Rs. 3 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 35.87 crore, impairment charge/(reversal) of Rs. 4.51 crore, net operating income of Rs. 40.38 crore, operating expenses of Rs. 20.14 crore, operating profit of Rs. 20.24 crore, non-operating income/(expense) of Rs. 0.08 crore, profit before income tax of Rs. 20.16 crore, income tax expense of Rs. 10.38 crore and profit for the year of Rs. 9.79 crore.
Reported under net interest income: interest income of Rs. 52.66 crore and interest expense of Rs. 19.79 crore. Reported under net fee and commission income: fee and commission income of Rs. 3 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 14.98 crore, other operating expenses of Rs. 4.1 crore and depreciation & amortisation of Rs. 1.07 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.04 crore and non-operating expense of Rs. 0.04 crore. Reported under income tax expense: current tax of Rs. 1.55 crore and deferred tax of Rs. 8.83 crore.
GBLBS quarterly for Q1 2082/83
In the quarter Q1 2082/83, Grameen Bikas Laghubitta Bittiya Sanstha Ltd. reported net interest income of Rs. 33.56 crore, net fee and commission income of Rs. 2.08 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 35.64 crore, impairment charge/(reversal) of Rs. 1.56 crore, net operating income of Rs. 34.07 crore, operating expenses of Rs. 22.78 crore, operating profit of Rs. 11.3 crore, non-operating income/(expense) of Rs. 0.04 crore, profit before income tax of Rs. 11.34 crore, income tax expense of Rs. 0.86 crore and profit for the year of Rs. 12.2 crore.
Reported under net interest income: interest income of Rs. 52.78 crore and interest expense of Rs. 19.23 crore. Reported under net fee and commission income: fee and commission income of Rs. 2.08 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 19.24 crore, other operating expenses of Rs. 2.56 crore and depreciation & amortisation of Rs. 0.98 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.04 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. 0.86 crore.
GBLBS quarterly for Q4 2081/82
In the quarter Q4 2081/82, Grameen Bikas Laghubitta Bittiya Sanstha Ltd. reported net interest income of Rs. 30.94 crore, net fee and commission income of Rs. 2.16 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.34 crore, total operating income of Rs. 33.43 crore, impairment charge/(reversal) of Rs. 12.49 crore, net operating income of Rs. 45.92 crore, operating expenses of Rs. 36.08 crore, operating profit of Rs. 9.84 crore, non-operating income/(expense) of Rs. 0.09 crore, profit before income tax of Rs. 9.75 crore, income tax expense of Rs. 2.99 crore and profit for the year of Rs. 6.77 crore.
Reported under net interest income: interest income of Rs. 50.98 crore and interest expense of Rs. 20.04 crore. Reported under net fee and commission income: fee and commission income of Rs. 2.2 crore and fee and commission expense of Rs. 0.04 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 30.37 crore, other operating expenses of Rs. 4.91 crore and depreciation & amortisation of Rs. 0.8 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.09 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 3.3 crore and deferred tax of Rs. 6.29 crore.
GBLBS quarterly for Q3 2081/82
In the quarter Q3 2081/82, Grameen Bikas Laghubitta Bittiya Sanstha Ltd. reported net interest income of Rs. 25.89 crore, net fee and commission income of Rs. 2.34 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 28.23 crore, impairment charge/(reversal) of Rs. 4.61 crore, net operating income of Rs. 23.62 crore, operating expenses of Rs. 15.34 crore, operating profit of Rs. 8.27 crore, non-operating income/(expense) of Rs. 0.08 crore, profit before income tax of Rs. 8.35 crore, income tax expense of Rs. 2.16 crore and profit for the year of Rs. 6.19 crore.
Reported under net interest income: interest income of Rs. 45.74 crore and interest expense of Rs. 19.86 crore. Reported under net fee and commission income: fee and commission income of Rs. 2.37 crore and fee and commission expense of Rs. 0.03 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 11.9 crore, other operating expenses of Rs. 2.47 crore and depreciation & amortisation of Rs. 0.97 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.08 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 0.92 crore and deferred tax of Rs. 3.08 crore.
GBLBS Profit & Loss
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 |
|---|
| Net Interest Income | 117 | 97.5 | 125 | 128 | 127 |
|---|
| Interest Income | 200 | 188 | 221 | 212 | 184 |
|---|
| Interest Expense | -83.1 | -90.8 | -95.8 | -83.8 | -56.7 |
|---|
| Net Fee and Commission Income | 9.5 | 5.0 | 6.3 | 14.3 | 17.4 |
|---|
| Fee and Commission Income | 9.7 | 5.7 | 7.6 | 14.3 | 17.4 |
|---|
| Fee and Commission Expense | -0.28 | -0.68 | -1.3 | 0.00 | 0.00 |
|---|
| Other Operating Income | 0.34 | 0.02 | 0.00 | 0.00 | 0.22 |
|---|
| Total Operating Income | 127 | 103 | 132 | 142 | 145 |
|---|
| Impairment Charge/(Reversal) | 8.9 | 38.5 | -48.3 | -28.5 | -6.9 |
|---|
| Net Operating Income | 135 | 141 | 83.4 | 114 | 138 |
|---|
| Operating Expenses | -90.4 | -94.8 | -99.9 | -96.8 | -91.9 |
|---|
| Operating Expense - Personnel Expenses | -72.3 | -78.6 | -87.2 | -85.9 | -82.2 |
|---|
| Other Operating Expenses | -14.4 | -12.4 | -9.0 | -7.0 | -9.3 |
|---|
| Depreciation & Amortisation | -3.8 | -3.7 | -3.7 | -3.8 | -0.51 |
|---|
| Operating Profit | 45.0 | 46.2 | -16.4 | 17.1 | 46.1 |
|---|
| Non-Operating Income/(Expense) | 0.06 | 0.09 | 0.00 | 3.6 | 0.01 |
|---|
| Non-Operating Income | 0.06 | 0.09 | 0.00 | 3.6 | 0.01 |
|---|
| Non-Operating Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Profit Before Income Tax | 45.0 | 46.3 | -16.4 | 20.7 | 46.1 |
|---|
| Income Tax Expense | -13.6 | -17.9 | 8.5 | -12.5 | -15.1 |
|---|
| Current Tax | -2.9 | 0.00 | -7.7 | -27.2 | -16.8 |
|---|
| Deferred Tax | -10.7 | -17.9 | 16.2 | 14.7 | 1.7 |
|---|
| Profit for the Year | 31.4 | 28.5 | -7.9 | 8.1 | 31.0 |
|---|
GBLBS Balance Sheet
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 | 2076/77 |
|---|
| Total Assets | 1,447 | 1,326 | 1,265 | 1,433 | 1,444 | 1,138 |
|---|
| Cash and Cash Equivalents | 79.7 | 77.5 | 35.2 | 50.8 | 72.3 | 86.0 |
|---|
| Due from Nepal Rastra Bank | 0.03 | 0.03 | 0.03 | 0.02 | 0.02 | 0.02 |
|---|
| Placement with Banks and FIs | 0.00 | 0.00 | 0.00 | 0.00 | 80.0 | 0.00 |
|---|
| Loans and Advances to Customers | 1,268 | 1,142 | 1,134 | 1,288 | 1,219 | 983 |
|---|
| Investment Securities | 0.20 | 0.20 | 0.20 | 0.20 | 0.20 | 0.20 |
|---|
| Current Tax Assets | 22.2 | 15.5 | 0.00 | 0.00 | 1.1 | 0.00 |
|---|
| Property and Equipment | 8.8 | 8.4 | 6.9 | 9.4 | 2.4 | 2.8 |
|---|
| Goodwill and Intangible Assets | 0.24 | 0.25 | 0.31 | 0.00 | 0.01 | 0.01 |
|---|
| Deferred Tax Assets | 43.2 | 55.9 | 77.1 | 71.0 | 54.6 | 54.0 |
|---|
| Other Assets | 24.9 | 26.3 | 11.2 | 13.9 | 14.3 | 12.7 |
|---|
| Total Liabilities | 1,159 | 1,072 | 1,047 | 1,220 | 1,235 | 977 |
|---|
| Due to Banks and FIs | 725 | 612 | 521 | 0.00 | 0.00 | 0.00 |
|---|
| Deposits from Customers | 356 | 355 | 375 | 392 | 380 | 356 |
|---|
| Borrowings | 9.0 | 13.0 | 13.0 | 664 | 709 | 461 |
|---|
| Current Tax Liabilities | 0.00 | 0.00 | 9.0 | 7.8 | 0.00 | 3.1 |
|---|
| Provisions | 0.00 | 0.00 | 0.00 | 2.7 | 1.7 | 1.7 |
|---|
| Other Liabilities | 69.2 | 92.9 | 129 | 153 | 144 | 154 |
|---|
| Total Equity | 288 | 254 | 218 | 213 | 209 | 162 |
|---|
| Share Capital | 98.3 | 98.3 | 98.3 | 98.3 | 98.3 | 98.3 |
|---|
| Share Premium | 6.8 | 6.8 | 6.8 | 6.8 | 6.8 | 6.8 |
|---|
| Retained Earnings | -19.8 | -43.3 | -59.1 | -39.2 | 47.5 | 25.0 |
|---|
| Reserves | 203 | 192 | 172 | 147 | 56.8 | 31.5 |
|---|
GBLBS Cash Flow
Values in Rs. Crore unless stated otherwise.
| Particulars | 2080/81 | 2079/80 | 2078/79 | 2077/78 |
|---|
| Net Cash Flow from Operating Activities (A) | 110 | 59.8 | -101 | 66.6 |
|---|
| Interest Received | 172 | 213 | 210 | 182 |
|---|
| Fees and Other Income Received | 5.8 | 7.6 | 14.3 | 17.4 |
|---|
| Receipts from Other Operating Activities | 0.00 | 0.00 | 0.57 | 0.61 |
|---|
| Interest Paid | -26.8 | -27.0 | -81.9 | -56.7 |
|---|
| Commission and Fees Paid | -0.68 | -1.3 | 0.00 | 0.00 |
|---|
| Cash Payment to Employees | -56.0 | -63.6 | -70.2 | -191 |
|---|
| Other Expense Paid | -12.4 | -9.0 | -30.6 | 5.1 |
|---|
| Operating Cash Flows Before Changes in Operating Assets and Liabilities | 82.1 | 120 | 42.5 | -42.7 |
|---|
| Due from Nepal Rastra Bank | 0.00 | -0.02 | 0.00 | 0.00 |
|---|
| Loan and Advances to Customers | 41.9 | 112 | -101 | -238 |
|---|
| Other Assets | -13.2 | 0.22 | -1.2 | 97.7 |
|---|
| Due to Banks and Financial Institutions | 90.8 | -61.3 | 0.00 | 0.00 |
|---|
| Due to Nepal Rastra Bank | 0.00 | -68.8 | 0.00 | 0.00 |
|---|
| Deposit from Customers | -20.1 | -17.4 | 12.3 | 23.6 |
|---|
| Borrowings | 0.00 | 0.00 | -44.5 | 247 |
|---|
| Other Liabilities | -47.6 | -18.4 | 4.5 | -0.40 |
|---|
| Net Cash Flow from Operating Activities Before Tax Paid | 134 | 66.3 | -87.3 | 87.6 |
|---|
| Income Taxes Paid | -24.4 | -6.5 | -13.6 | -21.0 |
|---|
| Net Cash Flow from Investing Activities (B) | 0.85 | -0.34 | 79.4 | -80.0 |
|---|
| Receipts from Sale of Investment Securities | 0.00 | 0.00 | 80.0 | -80.0 |
|---|
| Purchase of Property and Equipment | -1.1 | -1.1 | -0.61 | -0.04 |
|---|
| Receipt from Sale of Property and Equipment | 0.02 | 0.00 | 0.04 | 0.00 |
|---|
| Receipt from Sale of Intangible Assets | 0.00 | -0.30 | 0.00 | 0.00 |
|---|
| Interest Received | 2.0 | 1.1 | 0.00 | 0.00 |
|---|
| Net Cash Flow from Financing Activities (C) | -68.0 | -75.2 | -0.00 | -0.25 |
|---|
| Dividends Paid | -63.3 | -71.3 | -0.00 | -0.25 |
|---|
| Other Receipt/Payment | -4.8 | -3.8 | 0.00 | 0.00 |
|---|
| Net Increase/(Decrease) in Cash and Cash Equivalents | 42.4 | -15.7 | -21.4 | -13.7 |
|---|
| Cash and Cash Equivalents at Shrawan 01 (Beginning of the Year) | 35.2 | 50.9 | 72.3 | 86.0 |
|---|
| Cash and Cash Equivalents at Ashadh End | 77.5 | 35.2 | 50.8 | 72.3 |
|---|
GBLBS Quarterly Results
Values in Rs. Crore unless stated otherwise.
| Particulars | Q2 2082/83 | Q1 2082/83 | Q4 2081/82 | Q3 2081/82 | Q2 2081/82 | Q1 2081/82 | Q4 2080/81 | Q2 2080/81 |
|---|
| Net Interest Income | 32.9 | 33.6 | 30.9 | 25.9 | 27.7 | 32.2 | 32.8 | 23.2 |
|---|
| Interest Income | 52.7 | 52.8 | 51.0 | 45.7 | 48.8 | 54.3 | 55.3 | 45.8 |
|---|
| Interest Expense | -19.8 | -19.2 | -20.0 | -19.9 | -21.1 | -22.0 | -22.5 | -22.6 |
|---|
| Net Fee and Commission Income | 3.0 | 2.1 | 2.2 | 2.3 | 1.9 | 3.0 | 0.58 | 1.3 |
|---|
| Fee and Commission Income | 3.0 | 2.1 | 2.2 | 2.4 | 2.1 | 3.1 | 1.3 | 1.4 |
|---|
| Fee and Commission Expense | -0.00 | -0.00 | -0.04 | -0.03 | -0.13 | -0.08 | -0.68 | -0.00 |
|---|
| Net Trading Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Other Operating Income | 0.00 | 0.00 | 0.34 | 0.00 | 0.00 | 0.00 | 0.02 | 0.00 |
|---|
| Total Operating Income | 35.9 | 35.6 | 33.4 | 28.2 | 29.6 | 35.3 | 33.4 | 24.6 |
|---|
| Impairment Charge/(Reversal) | 4.5 | -1.6 | 12.5 | -4.6 | -1.00 | 2.0 | 19.5 | 11.3 |
|---|
| Net Operating Income | 40.4 | 34.1 | 45.9 | 23.6 | 28.6 | 37.3 | 53.0 | 35.9 |
|---|
| Operating Expenses | -20.1 | -22.8 | -36.1 | -15.3 | -16.8 | -22.2 | -37.2 | -16.5 |
|---|
| Operating Expense - Personnel Expenses | -15.0 | -19.2 | -30.4 | -11.9 | -12.8 | -17.2 | -33.5 | -12.2 |
|---|
| Other Operating Expenses | -4.1 | -2.6 | -4.9 | -2.5 | -2.9 | -4.1 | -2.8 | -3.3 |
|---|
| Depreciation & Amortisation | -1.1 | -0.98 | -0.80 | -0.97 | -1.0 | -0.97 | -0.88 | -0.95 |
|---|
| Operating Profit | 20.2 | 11.3 | 9.8 | 8.3 | 11.8 | 15.0 | 15.8 | 19.4 |
|---|
| Non-Operating Income/(Expense) | -0.08 | 0.04 | -0.09 | 0.08 | 0.02 | 0.05 | 0.09 | 0.00 |
|---|
| Non-Operating Income | -0.04 | 0.04 | -0.09 | 0.08 | 0.02 | 0.05 | 0.09 | 0.00 |
|---|
| Non-Operating Expense | -0.04 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Profit Before Income Tax | 20.2 | 11.3 | 9.8 | 8.4 | 11.8 | 15.1 | 15.9 | 19.4 |
|---|
| Income Tax Expense | -10.4 | 0.86 | -3.0 | -2.2 | -2.1 | -6.3 | -8.6 | -9.1 |
|---|
| Current Tax | -1.5 | 0.00 | 3.3 | 0.92 | -3.7 | -3.4 | 9.3 | -2.8 |
|---|
| Deferred Tax | -8.8 | 0.86 | -6.3 | -3.1 | 1.6 | -2.9 | -17.9 | -6.4 |
|---|
| Profit for the Year | 9.8 | 12.2 | 6.8 | 6.2 | 9.7 | 8.8 | 7.3 | 10.3 |
|---|
Grameen Bikas share price history
Over the last 15 trading sessions GBLBS closed between Rs. 622.00 and Rs. 706.00, finishing at Rs. 706.00 on 2026-09-22 against Rs. 668.00 on 2026-08-26.
| Date | Open | High | Low | Close | Volume |
|---|
| 2026-09-22 | 690.00 | 706.00 | 675.10 | 706.00 | 6,615 |
|---|
| 2026-09-18 | 626.10 | 685.00 | 626.10 | 678.00 | 8,308 |
|---|
| 2026-09-17 | 646.50 | 665.80 | 646.50 | 659.00 | 1,343 |
|---|
| 2026-09-16 | 657.00 | 669.00 | 641.00 | 641.00 | 4,816 |
|---|
| 2026-09-15 | 673.00 | 673.00 | 646.30 | 657.00 | 5,370 |
|---|
| 2026-09-14 | 649.70 | 649.70 | 635.00 | 641.90 | 1,835 |
|---|
| 2026-09-11 | 623.00 | 640.00 | 623.00 | 635.00 | 5,739 |
|---|
| 2026-09-10 | 679.10 | 679.10 | 610.00 | 622.00 | 8,484 |
|---|
| 2026-09-09 | 657.00 | 657.00 | 625.00 | 647.00 | 5,324 |
|---|
| 2026-09-07 | 651.10 | 657.00 | 648.00 | 657.00 | 4,218 |
|---|
| 2026-09-03 | 650.00 | 665.00 | 646.10 | 660.00 | 2,007 |
|---|
| 2026-09-02 | 662.80 | 672.00 | 646.20 | 659.50 | 3,890 |
|---|
| 2026-09-01 | 655.00 | 665.00 | 646.00 | 662.80 | 755 |
|---|
| 2026-08-31 | 660.00 | 660.00 | 651.00 | 660.00 | 2,351 |
|---|
| 2026-08-26 | 674.00 | 674.00 | 657.10 | 668.00 | 3,947 |
|---|
GBLBS share price by year
2026, between Rs. 610.00 and Rs. 844.50, 2025, between Rs. 698.00 and Rs. 987.00, 2024, between Rs. 517.20 and Rs. 979.50, 2023, between Rs. 427.00 and Rs. 760.00, 2022, between Rs. 566.00 and Rs. 1,139.00 and 2021, between Rs. 561.00 and Rs. 1,437.00.
| Year | Low (Rs.) | High (Rs.) | Sessions |
|---|
| 2026 | 610.00 | 844.50 | 168 |
|---|
| 2025 | 698.00 | 987.00 | 184 |
|---|
| 2024 | 517.20 | 979.50 | 232 |
|---|
| 2023 | 427.00 | 760.00 | 227 |
|---|
| 2022 | 566.00 | 1,139.00 | 242 |
|---|
| 2021 | 561.00 | 1,437.00 | 239 |
|---|
| 2020 | 337.05 | 710.00 | 184 |
|---|
| 2019 | 297.12 | 448.14 | 245 |
|---|
| 2018 | 300.67 | 515.02 | 159 |
|---|
Grameen Bikas share price returns
At Rs. 706.00 on 2026-09-22, GBLBS is up 7.46% over 1 week, up 5.22% over 1 month, down 7.95% over 3 months, down 13.27% over 6 months, down 5.27% over 1 year and down 30.10% 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 | +7.46% | 657.00 | 2026-09-15 |
|---|
| 1 month | +5.22% | 671.00 | 2026-08-21 |
|---|
| 3 months | -7.95% | 767.00 | 2026-06-24 |
|---|
| 6 months | -13.27% | 814.00 | 2026-03-26 |
|---|
| 1 year | -5.27% | 745.27 | 2025-09-21 |
|---|
| 5 years | -30.10% | 1,010.00 | 2021-09-23 |
|---|
GBLBS floorsheet for 2026-09-22
GBLBS traded 98 times on 2026-09-22, moving 6,315 shares for Rs. 0.43 crore of turnover. Trades went through between Rs. 675.10 and Rs. 706.00.
Largest buyers by volume: broker 6, Agrawal Securities Pvt. Limited on 2,170 shares across 43 trades, broker 29, Trishul Securities And Investment Limited on 1,000 shares across 8 trades, broker 48, Trishakti Securities Public Limited on 603 shares across 2 trades, broker 64, Sun Securities Pvt. Ltd on 480 shares across 6 trades, broker 58, Naasa Securities Co. Ltd. on 373 shares across 9 trades, broker 26, Asian Securities Pvt. Limited on 359 shares across 2 trades, broker 52, Sundhara Securities Limited on 320 shares across 14 trades, broker 45, Imperial Securities Co. Limited on 305 shares across 3 trades, broker 49, Online Securities Limited on 200 shares across 1 trades and broker 39, Sumeru Securities Pvt.Limited on 189 shares across 5 trades.
Largest sellers by volume: broker 22, Siprabi Securities Pvt. Limited on 1,217 shares across 10 trades, broker 45, Imperial Securities Co. Limited on 837 shares across 9 trades, broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 701 shares across 6 trades, broker 36, Secured Securities Limited on 537 shares across 4 trades, broker 34, Vision Securities Pvt.Limited on 530 shares across 8 trades, broker 48, Trishakti Securities Public Limited on 399 shares across 4 trades, broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 384 shares across 5 trades, broker 58, Naasa Securities Co. Ltd. on 328 shares across 13 trades, broker 49, Online Securities Limited on 300 shares across 6 trades and broker 42, Sani Securities Company Limited on 150 shares across 2 trades.
GBLBS general meetings
Annual and special general meetings Grameen Bikas Laghubitta Bittiya Sanstha Ltd. has called. A dividend is declared by the board and approved at the AGM.
- 1st AGM for 2081/2082: on 2026-06-28, at Siddhartha Cottage Restaurant, Milan Chowk, Butwal-9, Rupandehi or Virtual method via Zoom (11:00 AM)
- 10th AGM for 2080/2081: on 2025-07-12, at Company's Head Office, Butwal or Virtual method via Zoom (11:00 AM)
- 9th AGM for 2079/2080: on 2024-06-29, at Company's Head Office, Butwal or Virtual method via Zoom (11:00 AM)
6 years of annual statements and 8 quarters of results for GBLBS, with charts and peer comparison, are free on NepView.
New to these statements? How to read a profit and loss statement, How to read a balance sheet, How to read a cash flow statement, How to read quarterly results.
Other Microfinance companies on NEPSE
All microfinance companies on NEPSE
More on NepView