Global IME Laghubitta Bittiya Sanstha Ltd. (GILB) Share Price & Fundamentals
Global IME (GILB) share price is Rs. 1,140.00, up 0.13% on 2026-09-22. Open Rs. 1,138.50. High Rs. 1,140.00. Low Rs. 1,126.00. Volume 3,948.
Global IME Laghubitta Bittiya Sanstha Ltd. is a NEPSE-listed company (GILB), Microfinance sector. Revenue: Rs. 83.63 Crore. Net profit: Rs. 7.49 Crore. Net worth: Rs. 117.58 Crore.
About Global IME Laghubitta Bittiya Sanstha Ltd.
Global IME Laghubitta Bittiya Sanstha Ltd. is a national-level Class "D" microfinance financial institution licensed by Nepal Rastra Bank, with its central office at Pokhara-26, Bijayapur, Kaski. It operates as a subsidiary of Global IME Bank Limited, which holds 57.48% of its total shares. The institution focuses on extending financial services to women and to rural and remote communities excluded from formal finance, delivering group-based microcredit, deposits and allied services. Management strategy centres on branch-network expansion, business diversification, digital channels (tablet banking, SMS and phone alerts, wallet services) and member-focused community programmes. The institution reports under NFRS in line with NRB Directives, and from FY2082/83 applies NRB ECL Guidelines, recognising impairment as the higher of NFRS 9 ECL and the existing regulatory provision.
Global IME Laghubitta Bittiya Sanstha Ltd. (GILB) has 64,82,978 shares outstanding. Its most recent declared dividend was 0.25% on face value.
GILB key metrics
GILB strengths
What Global IME Laghubitta Bittiya Sanstha Ltd.'s own accounts show in its favour, graded against the rest of its sector.
- Makes 7.4% on its assets from the gap between what it charges borrowers and pays savers. (Margins & Income Quality)
- Profit grew 398% on last year. (Growth)
- Each share earned Rs 57.55 of profit over the year. (Shareholder Returns)
- Income from lending grew 34.1% on last year, so the core business is expanding. (Growth)
- Bad-loan charges come to 4.4% of income, so borrowers are paying back well. (Asset Quality)
- Turns 34.8% of its income into profit once every cost is paid. (Profitability)
- 94.1% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
- Total income grew 28.1% on last year. (Growth)
- Keeps 50.6% of income as profit from everyday banking, before tax. (Profitability)
- 11.5% of what the bank owns belongs to shareholders rather than depositors and lenders. (Capital Strength)
- Owns 8.68x for every rupee shareholders put in, a modest multiple that limits risk. (Capital Strength)
- The loan book grew 13.8% on last year, so more money is being put to work. (Growth)
- Customer deposits grew 17.6% on last year, giving it more cheap money to lend. (Growth)
- Each share is backed by Rs 181.36 of the bank's own net worth. (Shareholder Returns)
- The bank grew 13.8% bigger over the year. (Shareholder Returns)
GILB 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 6.4%, below what owners would hope for. (Profitability)
- Only 40% of funding comes from deposits, so it relies on costlier borrowing. (Liquidity & Funding)
- Return on everything it owns is 0.7%, so its assets are not producing much. (Profitability)
- Staff costs take 37.5% of income, a heavy load on earnings. (Efficiency)
- Loans are 94.8% of what the bank owns, so most of its risk sits in lending. (Asset Quality)
- Only 5.9% of income comes from fees, so it leans heavily on lending. (Margins & Income Quality)
- 55.3% of funding is borrowed, which costs more and can dry up in a crisis. (Liquidity & Funding)
GILB Q3 2082/83 results
In Q3 2082/83 Global IME Laghubitta Bittiya Sanstha Ltd. reported profit of Rs. 11.37 crore and total operating income of Rs. 25.71 crore. Profit in Q2 2082/83 was Rs. 1.57 crore. Profit grew 622.92% on the previous quarter. Total operating income fell 7.73% on the previous quarter. Profit in Q3 2081/82, the same quarter a year earlier, was Rs. 3.2 crore. Profit grew 255.37% on the same quarter last year. Total operating income grew 21.41% on the same quarter last year.
GILB annual results 2081/82
For the financial year 2081/82 Global IME Laghubitta Bittiya Sanstha Ltd. reported net profit of Rs. 7.49 crore, total operating income of Rs. 83.63 crore and net worth of Rs. 117.58 crore. Net profit in 2080/81 was Rs. 10.63 crore. Net profit fell 29.51% on the year. Total operating income grew 18.72% on the year.
GILB profit and loss for 2081/82
In the financial year 2081/82, Global IME Laghubitta Bittiya Sanstha Ltd. reported net interest income of Rs. 75.11 crore, net fee and commission income of Rs. 8.52 crore, total operating income of Rs. 83.63 crore, impairment charge/(reversal) of Rs. 23.02 crore, net operating income of Rs. 60.61 crore, operating expenses of Rs. 38.14 crore, operating profit of Rs. 22.48 crore, non-operating income/(expense) of Rs. 0.03 crore, profit before income tax of Rs. 22.45 crore, income tax expense of Rs. 14.96 crore and profit for the year of Rs. 7.49 crore.
Reported under net interest income: interest income of Rs. 134.31 crore and interest expense of Rs. 59.2 crore. Reported under net fee and commission income: fee and commission income of Rs. 9.46 crore and fee and commission expense of Rs. 0.94 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 31.1 crore, other operating expenses of Rs. 4.69 crore and depreciation & amortisation of Rs. 2.35 crore. Reported under non-operating income/(expense): non-operating expense of Rs. 0.03 crore. Reported under income tax expense: current tax of Rs. 14.05 crore and deferred tax of Rs. 0.91 crore.
GILB profit and loss for 2080/81
In the financial year 2080/81, Global IME Laghubitta Bittiya Sanstha Ltd. reported net interest income of Rs. 63.15 crore, net fee and commission income of Rs. 7.29 crore, total operating income of Rs. 70.44 crore, impairment charge/(reversal) of Rs. 15.09 crore, net operating income of Rs. 55.35 crore, operating expenses of Rs. 36.24 crore, operating profit of Rs. 19.1 crore, non-operating income/(expense) of Rs. 0.72 crore, profit before income tax of Rs. 18.38 crore, income tax expense of Rs. 7.75 crore and profit for the year of Rs. 10.63 crore.
Reported under net interest income: interest income of Rs. 121.61 crore and interest expense of Rs. 58.46 crore. Reported under net fee and commission income: fee and commission income of Rs. 7.51 crore and fee and commission expense of Rs. 0.22 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 29.51 crore, other operating expenses of Rs. 4.36 crore and depreciation & amortisation of Rs. 2.38 crore. Reported under non-operating income/(expense): non-operating expense of Rs. 0.72 crore. Reported under income tax expense: current tax of Rs. 8.43 crore and deferred tax of Rs. 0.67 crore.
GILB profit and loss for 2079/80
In the financial year 2079/80, Global IME Laghubitta Bittiya Sanstha Ltd. reported net interest income of Rs. 46.62 crore, net fee and commission income of Rs. 7.2 crore, total operating income of Rs. 53.83 crore, impairment charge/(reversal) of Rs. 7.21 crore, net operating income of Rs. 46.61 crore, operating expenses of Rs. 32.74 crore, operating profit of Rs. 13.87 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 13.87 crore, income tax expense of Rs. 4.22 crore and profit for the year of Rs. 9.65 crore.
Reported under net interest income: interest income of Rs. 119.65 crore and interest expense of Rs. 73.02 crore. Reported under net fee and commission income: fee and commission income of Rs. 7.57 crore and fee and commission expense of Rs. 0.36 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 25.67 crore, other operating expenses of Rs. 4.45 crore and depreciation & amortisation of Rs. 2.62 crore. Reported under non-operating income/(expense): non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 4.61 crore and deferred tax of Rs. 0.4 crore.
GILB balance sheet for 2081/82
In the financial year 2081/82, Global IME Laghubitta Bittiya Sanstha Ltd. reported total assets of Rs. 1,020.62 crore, total liabilities of Rs. 903.04 crore and total equity of Rs. 117.58 crore.
Reported under total assets: cash and cash equivalents of Rs. 33.09 crore, due from nepal rastra bank of Rs. 4.5 crore, loans and advances to customers of Rs. 967.72 crore, investment securities of Rs. 0.22 crore, current tax assets of Rs. 0 crore, investment property of Rs. 1.14 crore, property and equipment of Rs. 7.09 crore, goodwill and intangible assets of Rs. 0.06 crore, deferred tax assets of Rs. 0.94 crore and other assets of Rs. 5.86 crore. Reported under total liabilities: due to banks and fis of Rs. 0 crore, deposits from customers of Rs. 361.06 crore, borrowings of Rs. 499.72 crore, current tax liabilities of Rs. 2.29 crore, deferred tax liabilities of Rs. 0 crore and other liabilities of Rs. 39.98 crore. Reported under total equity: share capital of Rs. 61.89 crore, retained earnings of Rs. 14.56 crore and reserves of Rs. 41.13 crore.
GILB balance sheet for 2080/81
In the financial year 2080/81, Global IME Laghubitta Bittiya Sanstha Ltd. reported total assets of Rs. 896.47 crore, total liabilities of Rs. 786.5 crore and total equity of Rs. 109.97 crore.
Reported under total assets: cash and cash equivalents of Rs. 27.52 crore, due from nepal rastra bank of Rs. 4 crore, loans and advances to customers of Rs. 850.2 crore, investment securities of Rs. 0.1 crore, current tax assets of Rs. 0 crore, investment property of Rs. 1.14 crore, property and equipment of Rs. 7.77 crore, goodwill and intangible assets of Rs. 0.06 crore, deferred tax assets of Rs. 2.01 crore and other assets of Rs. 3.67 crore. Reported under total liabilities: due to banks and fis of Rs. 0 crore, deposits from customers of Rs. 307.05 crore, borrowings of Rs. 439.61 crore, current tax liabilities of Rs. 0.92 crore, deferred tax liabilities of Rs. 0 crore and other liabilities of Rs. 38.92 crore. Reported under total equity: share capital of Rs. 61.89 crore, retained earnings of Rs. 3.93 crore and reserves of Rs. 44.15 crore.
GILB balance sheet for 2079/80
In the financial year 2079/80, Global IME Laghubitta Bittiya Sanstha Ltd. reported total assets of Rs. 856.54 crore, total liabilities of Rs. 749.25 crore and total equity of Rs. 107.29 crore.
Reported under total assets: cash and cash equivalents of Rs. 113.05 crore, due from nepal rastra bank of Rs. 0 crore, loans and advances to customers of Rs. 726.33 crore, investment securities of Rs. 0.1 crore, current tax assets of Rs. 5.56 crore, investment property of Rs. 1.14 crore, property and equipment of Rs. 8.28 crore, goodwill and intangible assets of Rs. 0.1 crore, deferred tax assets of Rs. 1.34 crore and other assets of Rs. 0.64 crore. Reported under total liabilities: due to banks and fis of Rs. 412.37 crore, deposits from customers of Rs. 312.07 crore, borrowings of Rs. 0 crore, current tax liabilities of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore and other liabilities of Rs. 24.82 crore. Reported under total equity: share capital of Rs. 61.89 crore, retained earnings of Rs. 8.13 crore and reserves of Rs. 37.27 crore.
GILB cash flow for 2081/82
In the financial year 2081/82, Global IME Laghubitta Bittiya Sanstha Ltd. reported net cash flow from operating activities (a) of Rs. 45.68 crore, net cash flow from investing activities (b) of Rs. 1.25 crore, net cash flow from financing activities (c) of Rs. 34.35 crore, net increase/(decrease) in cash and cash equivalents of Rs. 10.07 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 27.52 crore and cash and cash equivalents at ashadh end of Rs. 37.59 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 127.21 crore, fees and other income received of Rs. 9.46 crore, interest paid of Rs. 25.7 crore, commission and fees paid of Rs. 0.94 crore, cash payment to employees of Rs. 27.02 crore, other expense paid of Rs. 6.39 crore, operating cash flows before changes in operating assets and liabilities of Rs. 76.62 crore, loan and advances to customers of Rs. 133.92 crore, other assets of Rs. 2.19 crore, due to banks and financial institutions of Rs. 0 crore, deposit from customers of Rs. 54.01 crore, borrowings of Rs. 60.11 crore, other liabilities of Rs. 1.9 crore and income taxes paid of Rs. 10.85 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. 1.25 crore and interest received of Rs. 0 crore. Reported under net cash flow from financing activities (c): dividends paid of Rs. 0 crore and interest paid of Rs. 34.35 crore.
GILB cash flow for 2080/81
In the financial year 2080/81, Global IME Laghubitta Bittiya Sanstha Ltd. reported net cash flow from operating activities (a) of Rs. 31.78 crore, net cash flow from investing activities (b) of Rs. 3.1 crore, net cash flow from financing activities (c) of Rs. 42.65 crore, net increase/(decrease) in cash and cash equivalents of Rs. 77.53 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 109.05 crore and cash and cash equivalents at ashadh end of Rs. 31.52 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 119.14 crore, fees and other income received of Rs. 7.51 crore, interest paid of Rs. 21.06 crore, commission and fees paid of Rs. 0.22 crore, cash payment to employees of Rs. 26.58 crore, other expense paid of Rs. 5.74 crore, operating cash flows before changes in operating assets and liabilities of Rs. 73.05 crore, loan and advances to customers of Rs. 121.51 crore, other assets of Rs. 0.53 crore, due to banks and financial institutions of Rs. 0 crore, deposit from customers of Rs. 5.02 crore, borrowings of Rs. 27.25 crore, other liabilities of Rs. 0.02 crore and income taxes paid of Rs. 5.01 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. 0.6 crore and interest received of Rs. 0 crore. Reported under net cash flow from financing activities (c): dividends paid of Rs. 6.19 crore and interest paid of Rs. 36.46 crore.
GILB cash flow for 2079/80
In the financial year 2079/80, Global IME Laghubitta Bittiya Sanstha Ltd. reported net cash flow from operating activities (a) of Rs. 123.67 crore, net cash flow from investing activities (b) of Rs. 0.38 crore, net cash flow from financing activities (c) of Rs. 56.19 crore, net increase/(decrease) in cash and cash equivalents of Rs. 67.11 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 45.94 crore and cash and cash equivalents at ashadh end of Rs. 113.05 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 117.18 crore, fees and other income received of Rs. 7.57 crore, interest paid of Rs. 21.88 crore, commission and fees paid of Rs. 0.36 crore, cash payment to employees of Rs. 22.58 crore, other expense paid of Rs. 5.72 crore, operating cash flows before changes in operating assets and liabilities of Rs. 74.2 crore, loan and advances to customers of Rs. 97.79 crore, other assets of Rs. 0.17 crore, due to banks and financial institutions of Rs. 51.05 crore, deposit from customers of Rs. 15.94 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 7.51 crore and income taxes paid of Rs. 5.53 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. 0.38 crore and interest received of Rs. 0 crore. Reported under net cash flow from financing activities (c): dividends paid of Rs. 4.42 crore and interest paid of Rs. 51.77 crore.
GILB quarterly for Q3 2082/83
In the quarter Q3 2082/83, Global IME Laghubitta Bittiya Sanstha Ltd. reported net interest income of Rs. 24.55 crore, net fee and commission income of Rs. 1.17 crore, total operating income of Rs. 25.71 crore, impairment charge/(reversal) of Rs. 1.73 crore, net operating income of Rs. 27.44 crore, operating expenses of Rs. 11.15 crore, operating profit of Rs. 16.29 crore, non-operating income/(expense) of Rs. 0.05 crore, profit before income tax of Rs. 16.24 crore and profit for the year of Rs. 11.37 crore.
Reported under net interest income: interest income of Rs. 38.73 crore and interest expense of Rs. 14.18 crore. Reported under net fee and commission income: fee and commission income of Rs. 2.33 crore and fee and commission expense of Rs. 1.17 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 9.08 crore, other operating expenses of Rs. 1.75 crore and depreciation & amortisation of Rs. 0.32 crore. Reported under non-operating income/(expense): non-operating expense of Rs. 0.05 crore.
GILB quarterly for Q2 2082/83
In the quarter Q2 2082/83, Global IME Laghubitta Bittiya Sanstha Ltd. reported net interest income of Rs. 26.03 crore, net fee and commission income of Rs. 1.84 crore, total operating income of Rs. 27.87 crore, impairment charge/(reversal) of Rs. 16.07 crore, net operating income of Rs. 11.8 crore, operating expenses of Rs. 9.47 crore, operating profit of Rs. 2.32 crore, non-operating income/(expense) of Rs. 0.08 crore, profit before income tax of Rs. 2.25 crore and profit for the year of Rs. 1.57 crore.
Reported under net interest income: interest income of Rs. 39.93 crore and interest expense of Rs. 13.9 crore. Reported under net fee and commission income: fee and commission income of Rs. 2.44 crore and fee and commission expense of Rs. 0.6 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 7.61 crore, other operating expenses of Rs. 1.64 crore and depreciation & amortisation of Rs. 0.22 crore. Reported under non-operating income/(expense): non-operating expense of Rs. 0.08 crore.
GILB quarterly for Q1 2082/83
In the quarter Q1 2082/83, Global IME Laghubitta Bittiya Sanstha Ltd. reported net interest income of Rs. 22.74 crore, net fee and commission income of Rs. 1.57 crore, total operating income of Rs. 24.32 crore, impairment charge/(reversal) of Rs. 4.05 crore, net operating income of Rs. 20.27 crore, operating expenses of Rs. 11.37 crore, operating profit of Rs. 8.9 crore, non-operating income/(expense) of Rs. 0.01 crore, profit before income tax of Rs. 8.88 crore and profit for the year of Rs. 6.22 crore.
Reported under net interest income: interest income of Rs. 37.4 crore and interest expense of Rs. 14.65 crore. Reported under net fee and commission income: fee and commission income of Rs. 2.01 crore and fee and commission expense of Rs. 0.44 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 9.72 crore, other operating expenses of Rs. 1.41 crore and depreciation & amortisation of Rs. 0.24 crore. Reported under non-operating income/(expense): non-operating expense of Rs. 0.01 crore.
GILB quarterly for Q4 2081/82
In the quarter Q4 2081/82, Global IME Laghubitta Bittiya Sanstha Ltd. reported net interest income of Rs. 22.25 crore, net fee and commission income of Rs. 1.85 crore, total operating income of Rs. 24.1 crore, impairment charge/(reversal) of Rs. 0.77 crore, net operating income of Rs. 23.34 crore, operating expenses of Rs. 11.09 crore, operating profit of Rs. 12.24 crore, non-operating income/(expense) of Rs. 0.02 crore, profit before income tax of Rs. 12.22 crore and profit for the year of Rs. 8.55 crore.
Reported under net interest income: interest income of Rs. 36.1 crore and interest expense of Rs. 13.85 crore. Reported under net fee and commission income: fee and commission income of Rs. 2.63 crore and fee and commission expense of Rs. 0.78 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 8.85 crore, other operating expenses of Rs. 1.91 crore and depreciation & amortisation of Rs. 0.33 crore. Reported under non-operating income/(expense): non-operating expense of Rs. 0.02 crore.
GILB Profit & Loss
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 |
|---|
| Net Interest Income | 75.1 | 63.1 | 46.6 | 60.1 |
|---|
| Interest Income | 134 | 122 | 120 | 115 |
|---|
| Interest Expense | -59.2 | -58.5 | -73.0 | -55.1 |
|---|
| Net Fee and Commission Income | 8.5 | 7.3 | 7.2 | 10.1 |
|---|
| Fee and Commission Income | 9.5 | 7.5 | 7.6 | 10.9 |
|---|
| Fee and Commission Expense | -0.94 | -0.22 | -0.36 | -0.80 |
|---|
| Total Operating Income | 83.6 | 70.4 | 53.8 | 70.3 |
|---|
| Impairment Charge/(Reversal) | -23.0 | -15.1 | -7.2 | -8.2 |
|---|
| Net Operating Income | 60.6 | 55.3 | 46.6 | 62.1 |
|---|
| Operating Expenses | -38.1 | -36.2 | -32.7 | -33.4 |
|---|
| Operating Expense - Personnel Expenses | -31.1 | -29.5 | -25.7 | -26.7 |
|---|
| Other Operating Expenses | -4.7 | -4.4 | -4.5 | -4.2 |
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| Depreciation & Amortisation | -2.3 | -2.4 | -2.6 | -2.5 |
|---|
| Operating Profit | 22.5 | 19.1 | 13.9 | 28.6 |
|---|
| Non-Operating Income/(Expense) | -0.03 | -0.72 | 0.00 | 0.00 |
|---|
| Non-Operating Expense | -0.03 | -0.72 | 0.00 | 0.00 |
|---|
| Profit Before Income Tax | 22.4 | 18.4 | 13.9 | 28.6 |
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| Income Tax Expense | -15.0 | -7.8 | -4.2 | -6.8 |
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| Current Tax | -14.0 | -8.4 | -4.6 | -9.1 |
|---|
| Deferred Tax | -0.91 | 0.67 | 0.40 | 2.3 |
|---|
| Profit for the Year | 7.5 | 10.6 | 9.7 | 21.9 |
|---|
GILB Balance Sheet
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 |
|---|
| Total Assets | 1,021 | 896 | 857 | 891 | 661 |
|---|
| Cash and Cash Equivalents | 33.1 | 27.5 | 113 | 45.9 | 34.0 |
|---|
| Due from Nepal Rastra Bank | 4.5 | 4.0 | 0.00 | 0.00 | 0.00 |
|---|
| Loans and Advances to Customers | 968 | 850 | 726 | 829 | 623 |
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| Investment Securities | 0.22 | 0.10 | 0.10 | 0.10 | 0.23 |
|---|
| Current Tax Assets | 0.00 | 0.00 | 5.6 | 4.7 | 0.00 |
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| Investment Property | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 |
|---|
| Property and Equipment | 7.1 | 7.8 | 8.3 | 8.8 | 1.9 |
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| Goodwill and Intangible Assets | 0.06 | 0.06 | 0.10 | 0.16 | 0.17 |
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| Deferred Tax Assets | 0.94 | 2.0 | 1.3 | 0.94 | 0.00 |
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| Other Assets | 5.9 | 3.7 | 0.64 | 0.47 | 0.58 |
|---|
| Total Liabilities | 903 | 786 | 749 | 788 | 579 |
|---|
| Due to Banks and FIs | 0.00 | 0.00 | 412 | 463 | 344 |
|---|
| Deposits from Customers | 361 | 307 | 312 | 296 | 214 |
|---|
| Borrowings | 500 | 440 | 0.00 | 0.00 | 0.00 |
|---|
| Current Tax Liabilities | 2.3 | 0.92 | 0.00 | 0.00 | 0.90 |
|---|
| Deferred Tax Liabilities | 0.00 | 0.00 | 0.00 | 0.00 | 1.4 |
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| Other Liabilities | 40.0 | 38.9 | 24.8 | 28.9 | 19.6 |
|---|
| Total Equity | 118 | 110 | 107 | 103 | 81.3 |
|---|
| Share Capital | 61.9 | 61.9 | 61.9 | 55.3 | 43.2 |
|---|
| Retained Earnings | 14.6 | 3.9 | 8.1 | 20.1 | 18.0 |
|---|
| Reserves | 41.1 | 44.2 | 37.3 | 27.3 | 20.1 |
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GILB 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) | 45.7 | -31.8 | 124 | 52.4 |
|---|
| Interest Received | 127 | 119 | 117 | 112 |
|---|
| Fees and Other Income Received | 9.5 | 7.5 | 7.6 | 10.9 |
|---|
| Interest Paid | -25.7 | -21.1 | -21.9 | -15.8 |
|---|
| Commission and Fees Paid | -0.94 | -0.22 | -0.36 | 0.00 |
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| Cash Payment to Employees | -27.0 | -26.6 | -22.6 | -22.2 |
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| Other Expense Paid | -6.4 | -5.7 | -5.7 | -11.7 |
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| Operating Cash Flows Before Changes in Operating Assets and Liabilities | 76.6 | 73.0 | 74.2 | 73.0 |
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| Loan and Advances to Customers | -134 | -122 | 97.8 | -210 |
|---|
| Other Assets | -2.2 | -0.53 | -0.17 | -3.9 |
|---|
| Due to Banks and Financial Institutions | 0.00 | 0.00 | -51.0 | 120 |
|---|
| Deposit from Customers | 54.0 | -5.0 | 15.9 | 82.3 |
|---|
| Borrowings | 60.1 | 27.2 | 0.00 | 0.00 |
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| Other Liabilities | 1.9 | -0.02 | -7.5 | 2.4 |
|---|
| Income Taxes Paid | -10.8 | -5.0 | -5.5 | -10.9 |
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| Net Cash Flow from Investing Activities (B) | -1.3 | -3.1 | -0.38 | -1.2 |
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| Receipts from Sale of Investment Securities | 0.00 | 0.00 | 0.00 | 0.02 |
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| Purchase of Property and Equipment | -1.3 | -0.60 | -0.38 | -1.2 |
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| Interest Received | 0.00 | 0.00 | 0.00 | 0.00 |
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| Net Cash Flow from Financing Activities (C) | -34.4 | -42.7 | -56.2 | -39.3 |
|---|
| Dividends Paid | 0.00 | -6.2 | -4.4 | 0.00 |
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| Interest Paid | -34.4 | -36.5 | -51.8 | -39.3 |
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| Net Increase/(Decrease) in Cash and Cash Equivalents | 10.1 | -77.5 | 67.1 | 12.0 |
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| Cash and Cash Equivalents at Shrawan 01 (Beginning of the Year) | 27.5 | 109 | 45.9 | 34.0 |
|---|
| Cash and Cash Equivalents at Ashadh End | 37.6 | 31.5 | 113 | 45.9 |
|---|
GILB Quarterly Results
Values in Rs. Crore unless stated otherwise.
| Particulars | Q3 2082/83 | Q2 2082/83 | Q1 2082/83 | Q4 2081/82 | Q3 2081/82 | Q2 2081/82 | Q1 2081/82 | Q4 2080/81 | Q3 2080/81 | Q2 2080/81 | Q1 2080/81 |
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| Net Interest Income | 24.5 | 26.0 | 22.7 | 22.3 | 18.6 | 21.4 | 13.7 | 18.7 | 16.0 | 13.1 | 15.6 |
|---|
| Interest Income | 38.7 | 39.9 | 37.4 | 36.1 | 34.3 | 36.4 | 28.4 | 34.3 | 30.5 | 28.2 | 42.7 |
|---|
| Interest Expense | -14.2 | -13.9 | -14.7 | -13.8 | -15.6 | -15.1 | -14.7 | -15.6 | -14.5 | -15.1 | -27.1 |
|---|
| Net Fee and Commission Income | 1.2 | 1.8 | 1.6 | 1.8 | 2.5 | 1.9 | 2.2 | 2.7 | 2.7 | 2.0 | 2.8 |
|---|
| Fee and Commission Income | 2.3 | 2.4 | 2.0 | 2.6 | 2.6 | 2.0 | 2.3 | 2.8 | 2.8 | 2.0 | 2.9 |
|---|
| Fee and Commission Expense | -1.2 | -0.60 | -0.44 | -0.78 | -0.04 | -0.05 | -0.06 | -0.05 | -0.09 | 0.00 | -0.08 |
|---|
| Total Operating Income | 25.7 | 27.9 | 24.3 | 24.1 | 21.2 | 23.3 | 15.9 | 21.5 | 18.7 | 15.0 | 18.4 |
|---|
| Impairment Charge/(Reversal) | 1.7 | -16.1 | -4.0 | -0.77 | -5.8 | -2.1 | -0.69 | -4.5 | -2.4 | -5.9 | -4.7 |
|---|
| Net Operating Income | 27.4 | 11.8 | 20.3 | 23.3 | 15.4 | 21.2 | 15.3 | 17.0 | 16.3 | 9.1 | 13.7 |
|---|
| Operating Expenses | -11.1 | -9.5 | -11.4 | -11.1 | -10.8 | -10.1 | -9.5 | -12.0 | -7.8 | -7.2 | -8.8 |
|---|
| Operating Expense - Personnel Expenses | -9.1 | -7.6 | -9.7 | -8.8 | -8.3 | -8.4 | -8.2 | -9.6 | -6.1 | -5.6 | -7.4 |
|---|
| Other Operating Expenses | -1.7 | -1.6 | -1.4 | -1.9 | -2.1 | -1.6 | -0.84 | -1.4 | -1.1 | -0.95 | -0.86 |
|---|
| Depreciation & Amortisation | -0.32 | -0.22 | -0.24 | -0.33 | -0.38 | -0.08 | -0.47 | -0.90 | -0.58 | -0.56 | -0.54 |
|---|
| Operating Profit | 16.3 | 2.3 | 8.9 | 12.2 | 4.6 | 11.1 | 5.8 | 5.0 | 8.5 | 2.0 | 4.9 |
|---|
| Non-Operating Income/(Expense) | -0.05 | -0.08 | -0.01 | -0.02 | -0.00 | -0.00 | Not reported | -0.13 | -0.00 | -0.00 | -0.00 |
|---|
| Non-Operating Expense | -0.05 | -0.08 | -0.01 | -0.02 | -0.00 | -0.00 | Not reported | -0.13 | -0.00 | -0.00 | -0.00 |
|---|
| Profit Before Income Tax | 16.2 | 2.2 | 8.9 | 12.2 | 4.6 | 11.1 | 5.8 | 4.9 | 8.5 | 2.0 | 4.9 |
|---|
| Current Tax | -4.9 | -0.67 | -2.7 | -3.7 | -1.4 | -3.3 | -1.7 | -1.5 | -2.5 | -0.59 | -1.5 |
|---|
| Profit for the Year | 11.4 | 1.6 | 6.2 | 8.6 | 3.2 | 7.8 | 4.0 | 3.4 | 5.9 | 1.4 | 3.4 |
|---|
Global IME share price history
Over the last 15 trading sessions GILB closed between Rs. 1,070.00 and Rs. 1,140.00, finishing at Rs. 1,140.00 on 2026-09-22 against Rs. 1,072.50 on 2026-08-26.
| Date | Open | High | Low | Close | Volume |
|---|
| 2026-09-22 | 1,138.50 | 1,140.00 | 1,126.00 | 1,140.00 | 3,948 |
|---|
| 2026-09-18 | 1,120.00 | 1,152.00 | 1,120.00 | 1,138.50 | 1,525 |
|---|
| 2026-09-17 | 1,126.00 | 1,140.00 | 1,123.10 | 1,135.00 | 2,178 |
|---|
| 2026-09-16 | 1,110.10 | 1,129.00 | 1,100.00 | 1,128.90 | 2,044 |
|---|
| 2026-09-15 | 1,173.00 | 1,173.00 | 1,125.10 | 1,129.00 | 7,242 |
|---|
| 2026-09-14 | 1,100.00 | 1,118.00 | 1,088.30 | 1,118.00 | 3,216 |
|---|
| 2026-09-11 | 1,100.00 | 1,103.00 | 1,077.10 | 1,090.50 | 939 |
|---|
| 2026-09-10 | 1,085.00 | 1,103.00 | 1,085.00 | 1,103.00 | 231 |
|---|
| 2026-09-09 | 1,116.00 | 1,116.00 | 1,080.00 | 1,112.40 | 3,367 |
|---|
| 2026-09-07 | 1,095.00 | 1,159.00 | 1,095.00 | 1,116.00 | 8,463 |
|---|
| 2026-09-03 | 1,074.00 | 1,091.00 | 1,074.00 | 1,091.00 | 622 |
|---|
| 2026-09-02 | 1,095.00 | 1,095.00 | 1,071.00 | 1,090.10 | 1,525 |
|---|
| 2026-09-01 | 1,085.40 | 1,089.00 | 1,070.00 | 1,075.00 | 1,501 |
|---|
| 2026-08-31 | 1,083.00 | 1,089.80 | 1,070.00 | 1,070.00 | 6,100 |
|---|
| 2026-08-26 | 1,083.00 | 1,087.00 | 1,072.50 | 1,072.50 | 1,800 |
|---|
GILB share price by year
2026, between Rs. 1,020.10 and Rs. 1,280.00, 2025, between Rs. 1,080.57 and Rs. 1,376.23, 2024, between Rs. 715.99 and Rs. 1,732.70, 2023, between Rs. 634.94 and Rs. 1,186.50, 2022, between Rs. 941.87 and Rs. 1,614.39 and 2021, between Rs. 900.32 and Rs. 2,124.93.
| Year | Low (Rs.) | High (Rs.) | Sessions |
|---|
| 2026 | 1,020.10 | 1,280.00 | 168 |
|---|
| 2025 | 1,080.57 | 1,376.23 | 225 |
|---|
| 2024 | 715.99 | 1,732.70 | 232 |
|---|
| 2023 | 634.94 | 1,186.50 | 227 |
|---|
| 2022 | 941.87 | 1,614.39 | 242 |
|---|
| 2021 | 900.32 | 2,124.93 | 239 |
|---|
| 2020 | 440.91 | 972.23 | 183 |
|---|
| 2019 | 237.42 | 449.27 | 225 |
|---|
| 2018 | 22.23 | 325.72 | 200 |
|---|
Global IME share price returns
At Rs. 1,140.00 on 2026-09-22, GILB is up 0.97% over 1 week, up 4.59% over 1 month, up 2.15% over 3 months, down 6.58% over 6 months, down 1.28% over 1 year and down 21.29% over 5 years. Each return compares that close with the last close on or before the same date in the earlier period.
| Period | Return | From price (Rs.) | From date |
|---|
| 1 week | +0.97% | 1,129.00 | 2026-09-15 |
|---|
| 1 month | +4.59% | 1,090.00 | 2026-08-21 |
|---|
| 3 months | +2.15% | 1,116.00 | 2026-06-24 |
|---|
| 6 months | -6.58% | 1,220.30 | 2026-03-26 |
|---|
| 1 year | -1.28% | 1,154.81 | 2025-09-21 |
|---|
| 5 years | -21.29% | 1,448.36 | 2021-09-23 |
|---|
GILB floorsheet for 2026-09-22
GILB traded 30 times on 2026-09-22, moving 3,938 shares for Rs. 0.45 crore of turnover. Trades went through between Rs. 1,105.00 and Rs. 1,140.00.
Largest buyers by volume: broker 29, Trishul Securities And Investment Limited on 700 shares across 3 trades, broker 94, K.B.L. Securities Limited on 600 shares across 2 trades, broker 45, Imperial Securities Co. Limited on 566 shares across 4 trades, broker 44, Dynamic Money Managers Securities Pvt.Ltd on 500 shares across 2 trades, broker 84, Milky Way Share Broker Company Ltd on 484 shares across 2 trades, broker 1, Kumari Securities Pvt. Limited on 300 shares across 1 trades, broker 58, Naasa Securities Co. Ltd. on 264 shares across 4 trades, broker 50, Crystal Kanchenjunga Securities Pvt.Ltd on 142 shares across 2 trades, broker 35, Kohinoor Investment and Securities Pvt.Ltd on 100 shares across 1 trades and broker 10, Pragyan Securities Pvt. Limited on 99 shares across 1 trades.
Largest sellers by volume: broker 25, Sweta Securities Pvt. Limited on 2,000 shares across 7 trades, broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 900 shares across 7 trades, broker 22, Siprabi Securities Pvt. Limited on 599 shares across 3 trades, broker 34, Vision Securities Pvt.Limited on 179 shares across 3 trades, broker 6, Agrawal Securities Pvt. Limited on 84 shares across 1 trades, broker 16, Primo Securities Pvt. Limited on 62 shares across 1 trades, broker 45, Imperial Securities Co. Limited on 35 shares across 1 trades, broker 58, Naasa Securities Co. Ltd. on 18 shares across 1 trades, broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 18 shares across 2 trades and broker 42, Sani Securities Company Limited on 15 shares across 1 trades.
GILB dividend history: bonus shares and cash dividend
Global IME Laghubitta Bittiya Sanstha Ltd. most recently declared a 4.75% bonus share issue for 2081/2082, announced on 2026-01-13. Percentages are of paid up value. Declared, not necessarily paid: a dividend is subject to the annual general meeting approving it.
| Financial year | Bonus share | Cash dividend | Announced |
|---|
| 2081/2082 | 4.75% | | 2026-01-13 |
| 2079/2080 | | 10% | 2024-01-24 |
| 2078/2079 | 12% | 8% | 2023-02-15 |
For 2081/2082 Global IME Laghubitta Bittiya Sanstha Ltd. declared a 4.75% bonus share issue, announced on 2026-01-13.
For 2079/2080 Global IME Laghubitta Bittiya Sanstha Ltd. declared a 10% cash dividend, announced on 2024-01-24.
For 2078/2079 Global IME Laghubitta Bittiya Sanstha Ltd. declared a 12% bonus share issue and an 8% cash dividend, 20% in total, announced on 2023-02-15.
GILB general meetings
Annual and special general meetings Global IME Laghubitta Bittiya Sanstha Ltd. has called. A dividend is declared by the board and approved at the AGM.
- 13th AGM for 2081/2082: on 2026-01-13, at Temple Bell Boutique Hotel and Spa Pvt.Ltd, Lakeside, Pokhara, Kaski (10:00 AM)
- 12th AGM for 2080/2081: on 2025-01-13, at Best Resort Nepal Pvt. Ltd, (The Lakeside Retreat) Lakeside Pokhara, Kaski (9:00 AM)
- 11th AGM for 2079/2080: on 2024-01-14, at Best Resort Nepal Pvt. Ltd, Lakeside Pokhara (9:00 AM)
5 years of annual statements and 11 quarters of results for GILB, with charts and peer comparison, are free on NepView.
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