Himalayan Laghubitta Bittiya Sanstha Limited (HLBSL) Share Price & Fundamentals
Himalayan (HLBSL) share price is Rs. 889.60, up 0.86% on 2026-09-22. Open Rs. 878.00. High Rs. 889.60. Low Rs. 870.00. Volume 713.
Himalayan Laghubitta Bittiya Sanstha Limited is a NEPSE-listed company (HLBSL), Microfinance sector. Revenue: Rs. 42.39 Crore. Net profit: Rs. 7.15 Crore. Net worth: Rs. 52.8 Crore.
About Himalayan Laghubitta Bittiya Sanstha Limited
Himalayan Laghubitta Bittiya Sanstha Limited (formerly Civil Laghubitta Bittiya Sanstha Limited), Chabahil, Kathmandu, is a 'D'-class national retail microfinance institution and a subsidiary of Himalayan Bank Limited, offering microcredit, deposits and related services.
Himalayan Laghubitta Bittiya Sanstha Limited (HLBSL) has 34,10,860 shares outstanding. Its most recent declared dividend was 0.35% on face value.
HLBSL key metrics
HLBSL strengths
What Himalayan Laghubitta Bittiya Sanstha Limited's own accounts show in its favour, graded against the rest of its sector.
- Makes 6.5% on its assets from the gap between what it charges borrowers and pays savers. (Margins & Income Quality)
- Profit grew 49.2% on last year. (Growth)
- The loan book grew 30.8% on last year, so more money is being put to work. (Growth)
- Income from lending grew 19.2% on last year, so the core business is expanding. (Growth)
- 89.3% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
- Customer deposits grew 22.2% on last year, giving it more cheap money to lend. (Growth)
- The bank grew 37.2% bigger over the year. (Shareholder Returns)
- Total income grew 16.8% on last year. (Growth)
- Each share earned Rs 31.26 of profit over the year. (Shareholder Returns)
HLBSL weaknesses
What the same accounts show against it. Both lists are computed from the filed figures, not opinion, and are not advice.
- Only 21.5% of funding comes from deposits, so it relies on costlier borrowing. (Liquidity & Funding)
- Staff costs take 39.8% of income, a heavy load on earnings. (Efficiency)
- Loans are 86.3% of what the bank owns, so most of its risk sits in lending. (Asset Quality)
- Return on shareholders' money is 13.5%, below what owners would hope for. (Profitability)
- 74.4% of funding is borrowed, which costs more and can dry up in a crisis. (Liquidity & Funding)
- Return on everything it owns is 1.3%, so its assets are not producing much. (Profitability)
- 12.3% of income is lost to loans going bad, which eats directly into profit. (Asset Quality)
- Only 9.3% of what it owns belongs to shareholders, so there is less cushion for losses. (Capital Strength)
- Net profit margin is 21.5%, less than most lenders keep once every cost is paid. (Profitability)
- Operating margin is 30.7%, so running costs take too much of what core banking earns. (Profitability)
- Only 9.7% of income comes from fees, so it leans heavily on lending. (Margins & Income Quality)
- Owns 10.74x for every rupee shareholders put in. A high multiple magnifies losses as well as gains. (Capital Strength)
- Each share is backed by only Rs 154.8 of net worth. (Shareholder Returns)
HLBSL Q3 2082/83 results
In Q3 2082/83 Himalayan Laghubitta Bittiya Sanstha Limited reported profit of Rs. 3.63 crore and total operating income of Rs. 13.43 crore. Profit in Q2 2082/83 was Rs. 2.4 crore. Profit grew 51.08% on the previous quarter. Total operating income grew 21.14% on the previous quarter. Profit in Q3 2081/82, the same quarter a year earlier, was Rs. 2.74 crore. Profit grew 32.39% on the same quarter last year. Total operating income grew 29.26% on the same quarter last year.
HLBSL annual results 2081/82
For the financial year 2081/82 Himalayan Laghubitta Bittiya Sanstha Limited reported net profit of Rs. 7.15 crore, total operating income of Rs. 42.39 crore and net worth of Rs. 52.8 crore. Net profit in 2080/81 was a loss of Rs. 0.2 crore. Net profit turned from a loss to a profit on the year. Total operating income grew 59.25% on the year.
HLBSL profit and loss for 2081/82
In the financial year 2081/82, Himalayan Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 37.09 crore, net fee and commission income of Rs. 5.3 crore, other operating income of Rs. 0 crore, total operating income of Rs. 42.39 crore, impairment charge/(reversal) of Rs. 3.82 crore, net operating income of Rs. 38.57 crore, operating expenses of Rs. 28.03 crore, operating profit of Rs. 10.54 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 10.54 crore, income tax expense of Rs. 3.39 crore and profit for the year of Rs. 7.15 crore.
Reported under net interest income: interest income of Rs. 67.34 crore and interest expense of Rs. 30.25 crore. Reported under net fee and commission income: fee and commission income of Rs. 5.4 crore and fee and commission expense of Rs. 0.1 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 19.77 crore, other operating expenses of Rs. 6.44 crore and depreciation & amortisation of Rs. 1.81 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. 3.66 crore and deferred tax of Rs. 0.27 crore.
HLBSL profit and loss for 2080/81
In the financial year 2080/81, Himalayan Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 22.27 crore, net fee and commission income of Rs. 4.35 crore, other operating income of Rs. 0 crore, total operating income of Rs. 26.62 crore, impairment charge/(reversal) of Rs. 2.43 crore, net operating income of Rs. 24.19 crore, operating expenses of Rs. 24.54 crore, operating profit of Rs. 0.35 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 0.35 crore, income tax expense of Rs. 0.15 crore and profit for the year of Rs. 0.2 crore.
Reported under net interest income: interest income of Rs. 61.55 crore and interest expense of Rs. 39.28 crore. Reported under net fee and commission income: fee and commission income of Rs. 4.59 crore and fee and commission expense of Rs. 0.25 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 17.29 crore, other operating expenses of Rs. 5.46 crore and depreciation & amortisation of Rs. 1.79 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 0.22 crore and deferred tax of Rs. 0.37 crore.
HLBSL profit and loss for 2079/80
In the financial year 2079/80, Himalayan Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 20.77 crore, net fee and commission income of Rs. 5.55 crore, other operating income of Rs. 0 crore, total operating income of Rs. 26.32 crore, impairment charge/(reversal) of Rs. 1.71 crore, net operating income of Rs. 24.61 crore, operating expenses of Rs. 23.31 crore, operating profit of Rs. 1.31 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 1.3 crore, income tax expense of Rs. 0.3 crore and profit for the year of Rs. 1 crore.
Reported under net interest income: interest income of Rs. 62.04 crore and interest expense of Rs. 41.26 crore. Reported under net fee and commission income: fee and commission income of Rs. 6.48 crore and fee and commission expense of Rs. 0.93 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 15.77 crore, other operating expenses of Rs. 6.24 crore and depreciation & amortisation of Rs. 1.3 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 0.83 crore and deferred tax of Rs. 0.53 crore.
HLBSL balance sheet for 2081/82
In the financial year 2081/82, Himalayan Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 567.01 crore, total liabilities of Rs. 514.21 crore and total equity of Rs. 52.8 crore.
Reported under total assets: cash and cash equivalents of Rs. 63.86 crore, due from nepal rastra bank of Rs. 2.4 crore, loans and advances to customers of Rs. 489.57 crore, investment securities of Rs. 0.12 crore, current tax assets of Rs. 2.5 crore, property and equipment of Rs. 4.57 crore, goodwill and intangible assets of Rs. 0.01 crore, deferred tax assets of Rs. 1.51 crore and other assets of Rs. 2.48 crore. Reported under total liabilities: deposits from customers of Rs. 110.48 crore, borrowings of Rs. 382.81 crore, current tax liabilities of Rs. 0 crore and other liabilities of Rs. 20.93 crore. Reported under total equity: share capital of Rs. 31.98 crore, share premium of Rs. 4.55 crore, retained earnings of Rs. 3.87 crore and reserves of Rs. 12.4 crore.
HLBSL balance sheet for 2080/81
In the financial year 2080/81, Himalayan Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 413.4 crore, total liabilities of Rs. 367.8 crore and total equity of Rs. 45.6 crore.
Reported under total assets: cash and cash equivalents of Rs. 26.26 crore, due from nepal rastra bank of Rs. 2.3 crore, loans and advances to customers of Rs. 374.38 crore, investment securities of Rs. 0 crore, current tax assets of Rs. 1.6 crore, property and equipment of Rs. 4.74 crore, goodwill and intangible assets of Rs. 0.01 crore, deferred tax assets of Rs. 1.26 crore and other assets of Rs. 2.85 crore. Reported under total liabilities: deposits from customers of Rs. 90.43 crore, borrowings of Rs. 260.27 crore, current tax liabilities of Rs. 0 crore and other liabilities of Rs. 17.11 crore. Reported under total equity: share capital of Rs. 31.98 crore, share premium of Rs. 4.55 crore, retained earnings of Rs. 0.65 crore and reserves of Rs. 9.72 crore.
HLBSL balance sheet for 2079/80
In the financial year 2079/80, Himalayan Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 478.38 crore, total liabilities of Rs. 432.54 crore and total equity of Rs. 45.84 crore.
Reported under total assets: cash and cash equivalents of Rs. 25.55 crore, due from nepal rastra bank of Rs. 2.3 crore, loans and advances to customers of Rs. 443.01 crore, investment securities of Rs. 0 crore, current tax assets of Rs. 1.53 crore, property and equipment of Rs. 4.27 crore, goodwill and intangible assets of Rs. 0.06 crore, deferred tax assets of Rs. 0.89 crore and other assets of Rs. 0.78 crore. Reported under total liabilities: deposits from customers of Rs. 99.4 crore, borrowings of Rs. 317.04 crore, current tax liabilities of Rs. 0 crore and other liabilities of Rs. 16.1 crore. Reported under total equity: share capital of Rs. 31.98 crore, share premium of Rs. 4.55 crore, retained earnings of Rs. 0.05 crore and reserves of Rs. 9.25 crore.
HLBSL cash flow for 2081/82
In the financial year 2081/82, Himalayan Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 39.36 crore, net cash flow from investing activities (b) of Rs. 1.76 crore, net cash flow from financing activities (c) of Rs. 0 crore, net increase/(decrease) in cash and cash equivalents of Rs. 37.6 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 26.26 crore and cash and cash equivalents at ashadh end of Rs. 63.86 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 65.61 crore, fees and other income received of Rs. 5.44 crore, interest paid of Rs. 30.25 crore, cash payment to employees of Rs. 19.81 crore, other expense paid of Rs. 4.7 crore, operating cash flows before changes in operating assets and liabilities of Rs. 16.29 crore, due from nepal rastra bank of Rs. 0.1 crore, loan and advances to customers of Rs. 117.29 crore, other assets of Rs. 0.41 crore, deposit from customers of Rs. 20.05 crore, borrowings of Rs. 122.54 crore, other liabilities of Rs. 2.01 crore, net cash flow from operating activities before tax paid of Rs. 43.92 crore and income taxes paid of Rs. 4.56 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 0.12 crore, purchase of property and equipment of Rs. 1.64 crore, receipt from sale of property and equipment of Rs. 0 crore and purchase of intangible assets 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.
HLBSL cash flow for 2080/81
In the financial year 2080/81, Himalayan Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 4.31 crore, net cash flow from investing activities (b) of Rs. 2.22 crore, net cash flow from financing activities (c) of Rs. 0 crore, net increase/(decrease) in cash and cash equivalents of Rs. 2.08 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 24.17 crore and cash and cash equivalents at ashadh end of Rs. 26.26 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 61.68 crore, fees and other income received of Rs. 4.59 crore, interest paid of Rs. 39.28 crore, cash payment to employees of Rs. 17.38 crore, other expense paid of Rs. 3.94 crore, operating cash flows before changes in operating assets and liabilities of Rs. 5.67 crore, due from nepal rastra bank of Rs. 0 crore, loan and advances to customers of Rs. 66.16 crore, other assets of Rs. 0.69 crore, deposit from customers of Rs. 8.97 crore, borrowings of Rs. 56.77 crore, other liabilities of Rs. 0.79 crore, net cash flow from operating activities before tax paid of Rs. 4.6 crore and income taxes paid of Rs. 0.29 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 0 crore, purchase of property and equipment of Rs. 2.22 crore, receipt from sale of property and equipment of Rs. 0 crore and purchase of intangible assets 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.
HLBSL cash flow for 2079/80
In the financial year 2079/80, Himalayan Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 10 crore, net cash flow from investing activities (b) of Rs. 0.21 crore, net cash flow from financing activities (c) of Rs. 0.09 crore, net increase/(decrease) in cash and cash equivalents of Rs. 9.7 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 15.85 crore and cash and cash equivalents at ashadh end of Rs. 25.55 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 60.52 crore, fees and other income received of Rs. 6.48 crore, interest paid of Rs. 41.26 crore, cash payment to employees of Rs. 15.69 crore, other expense paid of Rs. 7.97 crore, operating cash flows before changes in operating assets and liabilities of Rs. 2.07 crore, due from nepal rastra bank of Rs. 0.3 crore, loan and advances to customers of Rs. 57.61 crore, other assets of Rs. 0.16 crore, deposit from customers of Rs. 1.62 crore, borrowings of Rs. 65.78 crore, other liabilities of Rs. 0.65 crore, net cash flow from operating activities before tax paid of Rs. 12.04 crore and income taxes paid of Rs. 2.04 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 0 crore, purchase of property and equipment of Rs. 0.21 crore, receipt from sale of property and equipment of Rs. 0 crore and purchase of intangible assets of Rs. 0 crore. Reported under net cash flow from financing activities (c): dividends paid of Rs. 0.17 crore and other receipt/payment of Rs. 0.07 crore.
HLBSL quarterly for Q3 2082/83
In the quarter Q3 2082/83, Himalayan Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 12.1 crore, net fee and commission income of Rs. 1.24 crore, other operating income of Rs. 0.08 crore, total operating income of Rs. 13.43 crore, impairment charge/(reversal) of Rs. 1.17 crore, net operating income of Rs. 12.25 crore, operating expenses of Rs. 7.07 crore, operating profit of Rs. 5.18 crore, non-operating income/(expense) of Rs. 0.01 crore, profit before income tax of Rs. 5.19 crore, income tax expense of Rs. 1.56 crore and profit for the year of Rs. 3.63 crore.
Reported under net interest income: interest income of Rs. 18.4 crore and interest expense of Rs. 6.3 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.25 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 5.04 crore, other operating expenses of Rs. 1.63 crore and depreciation & amortisation of Rs. 0.41 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.01 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 1.56 crore and deferred tax of Rs. 0 crore.
HLBSL quarterly for Q2 2082/83
In the quarter Q2 2082/83, Himalayan Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 9.88 crore, net fee and commission income of Rs. 1.04 crore, other operating income of Rs. 0.16 crore, total operating income of Rs. 11.08 crore, impairment charge/(reversal) of Rs. 0.81 crore, net operating income of Rs. 10.28 crore, operating expenses of Rs. 6.84 crore, operating profit of Rs. 3.43 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 3.43 crore, income tax expense of Rs. 1.03 crore and profit for the year of Rs. 2.4 crore.
Reported under net interest income: interest income of Rs. 16.68 crore and interest expense of Rs. 6.8 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.05 crore and fee and commission expense of Rs. 0.01 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 4.87 crore, other operating expenses of Rs. 1.57 crore and depreciation & amortisation of Rs. 0.4 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. 1.03 crore and deferred tax of Rs. 0 crore.
HLBSL quarterly for Q1 2082/83
In the quarter Q1 2082/83, Himalayan Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 9.89 crore, net fee and commission income of Rs. 0.98 crore, other operating income of Rs. 0.04 crore, total operating income of Rs. 10.9 crore, impairment charge/(reversal) of Rs. 1.39 crore, net operating income of Rs. 9.51 crore, operating expenses of Rs. 6.55 crore, operating profit of Rs. 2.95 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 2.96 crore, income tax expense of Rs. 0.89 crore and profit for the year of Rs. 2.07 crore.
Reported under net interest income: interest income of Rs. 17.2 crore and interest expense of Rs. 7.31 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.98 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 4.53 crore, other operating expenses of Rs. 1.61 crore and depreciation & amortisation of Rs. 0.41 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 0.89 crore and deferred tax of Rs. 0 crore.
HLBSL quarterly for Q4 2081/82
In the quarter Q4 2081/82, Himalayan Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 10.83 crore, net fee and commission income of Rs. 0.83 crore, other operating income of Rs. 0.04 crore, total operating income of Rs. 11.7 crore, impairment charge/(reversal) of Rs. 0.99 crore, net operating income of Rs. 12.69 crore, operating expenses of Rs. 7.21 crore, operating profit of Rs. 5.47 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 5.47 crore, income tax expense of Rs. 1.64 crore and profit for the year of Rs. 3.83 crore.
Reported under net interest income: interest income of Rs. 18.43 crore and interest expense of Rs. 7.6 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.84 crore and fee and commission expense of Rs. 0.01 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 4.98 crore, other operating expenses of Rs. 1.79 crore and depreciation & amortisation of Rs. 0.44 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. 1.64 crore and deferred tax of Rs. 0 crore.
HLBSL Profit & Loss
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 |
|---|
| Net Interest Income | 37.1 | 22.3 | 20.8 | 26.8 |
|---|
| Interest Income | 67.3 | 61.5 | 62.0 | 53.7 |
|---|
| Interest Expense | -30.2 | -39.3 | -41.3 | -26.9 |
|---|
| Net Fee and Commission Income | 5.3 | 4.3 | 5.6 | 5.4 |
|---|
| Fee and Commission Income | 5.4 | 4.6 | 6.5 | 5.8 |
|---|
| Fee and Commission Expense | -0.10 | -0.25 | -0.93 | -0.38 |
|---|
| Other Operating Income | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Total Operating Income | 42.4 | 26.6 | 26.3 | 32.2 |
|---|
| Impairment Charge/(Reversal) | -3.8 | -2.4 | -1.7 | 0.11 |
|---|
| Net Operating Income | 38.6 | 24.2 | 24.6 | 32.3 |
|---|
| Operating Expenses | -28.0 | -24.5 | -23.3 | -21.8 |
|---|
| Operating Expense - Personnel Expenses | -19.8 | -17.3 | -15.8 | -14.8 |
|---|
| Other Operating Expenses | -6.4 | -5.5 | -6.2 | -5.5 |
|---|
| Depreciation & Amortisation | -1.8 | -1.8 | -1.3 | -1.5 |
|---|
| Operating Profit | 10.5 | -0.35 | 1.3 | 10.5 |
|---|
| Non-Operating Income/(Expense) | -0.00 | -0.00 | -0.00 | -0.00 |
|---|
| Non-Operating Income | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Non-Operating Expense | -0.00 | -0.00 | -0.00 | -0.00 |
|---|
| Profit Before Income Tax | 10.5 | -0.35 | 1.3 | 10.5 |
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| Income Tax Expense | -3.4 | 0.15 | -0.30 | -3.3 |
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| Current Tax | -3.7 | -0.22 | -0.83 | -3.5 |
|---|
| Deferred Tax | 0.27 | 0.37 | 0.53 | 0.12 |
|---|
| Profit for the Year | 7.1 | -0.20 | 1.0 | 7.1 |
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HLBSL Balance Sheet
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 |
|---|
| Total Assets | 567 | 413 | 478 | 409 | 270 |
|---|
| Cash and Cash Equivalents | 63.9 | 26.3 | 25.5 | 15.8 | 24.1 |
|---|
| Due from Nepal Rastra Bank | 2.4 | 2.3 | 2.3 | 2.0 | 1.2 |
|---|
| Loans and Advances to Customers | 490 | 374 | 443 | 386 | 242 |
|---|
| Investment Securities | 0.12 | 0.00 | 0.00 | 0.00 | 0.00 |
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| Current Tax Assets | 2.5 | 1.6 | 1.5 | 0.31 | 0.00 |
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| Property and Equipment | 4.6 | 4.7 | 4.3 | 4.1 | 1.8 |
|---|
| Goodwill and Intangible Assets | 0.01 | 0.01 | 0.06 | 0.09 | 0.10 |
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| Deferred Tax Assets | 1.5 | 1.3 | 0.89 | 0.53 | 0.35 |
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| Other Assets | 2.5 | 2.9 | 0.78 | 0.62 | 0.35 |
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| Total Liabilities | 514 | 368 | 433 | 365 | 232 |
|---|
| Deposits from Customers | 110 | 90.4 | 99.4 | 97.8 | 62.0 |
|---|
| Borrowings | 383 | 260 | 317 | 251 | 163 |
|---|
| Current Tax Liabilities | 0.00 | 0.00 | 0.00 | 0.00 | 0.26 |
|---|
| Other Liabilities | 20.9 | 17.1 | 16.1 | 15.6 | 7.2 |
|---|
| Total Equity | 52.8 | 45.6 | 45.8 | 44.5 | 37.7 |
|---|
| Share Capital | 32.0 | 32.0 | 32.0 | 28.8 | 24.2 |
|---|
| Share Premium | 4.6 | 4.6 | 4.6 | 4.6 | 4.6 |
|---|
| Retained Earnings | 3.9 | -0.65 | 0.05 | 3.7 | 5.4 |
|---|
| Reserves | 12.4 | 9.7 | 9.2 | 7.5 | 3.6 |
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HLBSL 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) | 39.4 | 4.3 | 10.0 | -7.4 |
|---|
| Interest Received | 65.6 | 61.7 | 60.5 | 50.9 |
|---|
| Fees and Other Income Received | 5.4 | 4.6 | 6.5 | 5.8 |
|---|
| Interest Paid | -30.2 | -39.3 | -41.3 | -26.9 |
|---|
| Cash Payment to Employees | -19.8 | -17.4 | -15.7 | -14.0 |
|---|
| Other Expense Paid | -4.7 | -3.9 | -8.0 | -6.6 |
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| Operating Cash Flows Before Changes in Operating Assets and Liabilities | 16.3 | 5.7 | 2.1 | 9.2 |
|---|
| Due from Nepal Rastra Bank | -0.10 | 0.00 | -0.30 | -0.80 |
|---|
| Loan and Advances to Customers | -117 | 66.2 | -57.6 | -140 |
|---|
| Other Assets | 0.41 | -0.69 | -0.16 | -0.26 |
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| Deposit from Customers | 20.0 | -9.0 | 1.6 | 35.8 |
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| Borrowings | 123 | -56.8 | 65.8 | 88.2 |
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| Other Liabilities | 2.0 | -0.79 | 0.65 | 4.9 |
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| Net Cash Flow from Operating Activities Before Tax Paid | 43.9 | 4.6 | 12.0 | -3.3 |
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| Income Taxes Paid | -4.6 | -0.29 | -2.0 | -4.0 |
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| Net Cash Flow from Investing Activities (B) | -1.8 | -2.2 | -0.21 | -0.74 |
|---|
| Purchase of Investment Securities | -0.12 | 0.00 | 0.00 | 0.00 |
|---|
| Purchase of Property and Equipment | -1.6 | -2.2 | -0.21 | -0.68 |
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| Receipt from Sale of Property and Equipment | 0.00 | 0.00 | 0.00 | 0.00 |
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| Purchase of Intangible Assets | 0.00 | 0.00 | -0.00 | -0.06 |
|---|
| Net Cash Flow from Financing Activities (C) | 0.00 | 0.00 | -0.09 | -0.18 |
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| Dividends Paid | 0.00 | 0.00 | -0.17 | -0.24 |
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| Other Receipt/Payment | 0.00 | 0.00 | 0.07 | 0.06 |
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| Net Increase/(Decrease) in Cash and Cash Equivalents | 37.6 | 2.1 | 9.7 | -8.3 |
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| Cash and Cash Equivalents at Shrawan 01 (Beginning of the Year) | 26.3 | 24.2 | 15.8 | 24.1 |
|---|
| Cash and Cash Equivalents at Ashadh End | 63.9 | 26.3 | 25.5 | 15.8 |
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HLBSL Quarterly Results
Values in Rs. Crore unless stated otherwise.
| Particulars | Q3 2082/83 | Q2 2082/83 | Q1 2082/83 | Q4 2081/82 | Q3 2081/82 | Q2 2081/82 | Q1 2081/82 | Q4 2080/81 | Q3 2080/81 | Q2 2080/81 | Q1 2080/81 |
|---|
| Net Interest Income | 12.1 | 9.9 | 9.9 | 10.8 | 9.1 | 8.1 | 7.2 | 7.7 | 4.3 | 6.2 | 5.5 |
|---|
| Interest Income | 18.4 | 16.7 | 17.2 | 18.4 | 16.7 | 15.8 | 14.7 | 15.8 | 13.2 | 16.7 | 17.4 |
|---|
| Interest Expense | -6.3 | -6.8 | -7.3 | -7.6 | -7.6 | -7.6 | -7.5 | -8.0 | -8.9 | -10.5 | -11.8 |
|---|
| Net Fee and Commission Income | 1.2 | 1.0 | 0.98 | 0.83 | 1.1 | 1.5 | 1.5 | 0.35 | 0.96 | 0.77 | 1.6 |
|---|
| Fee and Commission Income | 1.2 | 1.0 | 0.98 | 0.84 | 1.1 | 1.5 | 1.5 | 0.38 | 1.0 | 0.90 | 1.6 |
|---|
| Fee and Commission Expense | -0.00 | -0.01 | -0.00 | -0.01 | -0.00 | -0.04 | -0.04 | -0.03 | -0.09 | -0.13 | -0.00 |
|---|
| Other Operating Income | 0.08 | 0.16 | 0.04 | 0.04 | 0.14 | 0.15 | 0.14 | 0.24 | 0.22 | 0.35 | 0.35 |
|---|
| Total Operating Income | 13.4 | 11.1 | 10.9 | 11.7 | 10.4 | 9.8 | 8.8 | 8.3 | 5.4 | 7.3 | 7.5 |
|---|
| Impairment Charge/(Reversal) | -1.2 | -0.81 | -1.4 | 0.99 | 0.49 | -1.1 | -0.12 | -2.4 | 0.61 | -0.15 | -0.63 |
|---|
| Net Operating Income | 12.3 | 10.3 | 9.5 | 12.7 | 10.9 | 8.7 | 8.7 | 5.9 | 6.0 | 7.2 | 6.9 |
|---|
| Operating Expenses | -7.1 | -6.8 | -6.6 | -7.2 | -7.0 | -6.9 | -6.8 | -6.4 | -5.2 | -6.6 | -6.7 |
|---|
| Operating Expense - Personnel Expenses | -5.0 | -4.9 | -4.5 | -5.0 | -4.9 | -4.8 | -4.9 | -4.5 | -4.3 | -4.5 | -4.4 |
|---|
| Other Operating Expenses | -1.6 | -1.6 | -1.6 | -1.8 | -1.6 | -1.5 | -1.5 | -1.6 | -0.73 | -1.6 | -1.9 |
|---|
| Depreciation & Amortisation | -0.41 | -0.40 | -0.41 | -0.44 | -0.48 | -0.51 | -0.38 | -0.29 | -0.16 | -0.48 | -0.47 |
|---|
| Operating Profit | 5.2 | 3.4 | 3.0 | 5.5 | 3.9 | 1.8 | 1.9 | -0.54 | 0.88 | 0.60 | 0.16 |
|---|
| Non-Operating Income/(Expense) | 0.01 | 0.00 | 0.00 | -0.00 | 0.00 | 0.00 | 0.00 | -0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Non-Operating Income | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Non-Operating Expense | 0.00 | 0.00 | 0.00 | -0.00 | 0.00 | 0.00 | 0.00 | -0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Profit Before Income Tax | 5.2 | 3.4 | 3.0 | 5.5 | 3.9 | 1.8 | 1.9 | -0.55 | 0.88 | 0.60 | 0.16 |
|---|
| Income Tax Expense | -1.6 | -1.0 | -0.89 | -1.6 | -1.2 | -0.54 | -0.58 | 0.16 | -0.26 | -0.18 | -0.05 |
|---|
| Current Tax | -1.6 | -1.0 | -0.89 | -1.6 | -1.2 | -0.54 | -0.58 | 0.16 | -0.26 | -0.18 | -0.05 |
|---|
| Deferred Tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Profit for the Year | 3.6 | 2.4 | 2.1 | 3.8 | 2.7 | 1.3 | 1.3 | -0.38 | 0.61 | 0.42 | 0.11 |
|---|
Himalayan share price history
Over the last 15 trading sessions HLBSL closed between Rs. 850.00 and Rs. 889.60, finishing at Rs. 889.60 on 2026-09-22 against Rs. 863.00 on 2026-08-26.
| Date | Open | High | Low | Close | Volume |
|---|
| 2026-09-22 | 878.00 | 889.60 | 870.00 | 889.60 | 713 |
|---|
| 2026-09-18 | 874.90 | 883.60 | 874.90 | 882.00 | 1,259 |
|---|
| 2026-09-17 | 867.10 | 867.10 | 860.00 | 865.00 | 634 |
|---|
| 2026-09-16 | 870.00 | 870.00 | 845.00 | 867.00 | 826 |
|---|
| 2026-09-15 | 914.00 | 914.00 | 863.00 | 879.90 | 722 |
|---|
| 2026-09-14 | 855.00 | 874.00 | 855.00 | 871.00 | 670 |
|---|
| 2026-09-11 | 836.20 | 859.00 | 835.10 | 859.00 | 1,651 |
|---|
| 2026-09-10 | 846.10 | 859.00 | 845.10 | 859.00 | 254 |
|---|
| 2026-09-09 | 854.00 | 869.90 | 837.70 | 869.90 | 250 |
|---|
| 2026-09-07 | 855.00 | 865.00 | 851.70 | 855.00 | 635 |
|---|
| 2026-09-03 | 841.20 | 855.00 | 841.20 | 855.00 | 226 |
|---|
| 2026-09-02 | 849.00 | 858.90 | 847.00 | 858.90 | 1,798 |
|---|
| 2026-09-01 | 851.00 | 860.00 | 835.00 | 859.40 | 1,427 |
|---|
| 2026-08-31 | 849.00 | 850.00 | 840.00 | 850.00 | 426 |
|---|
| 2026-08-26 | 857.00 | 863.00 | 856.50 | 863.00 | 517 |
|---|
HLBSL share price by year
2026, between Rs. 830.00 and Rs. 1,005.00, 2025, between Rs. 784.81 and Rs. 1,068.92, 2024, between Rs. 511.11 and Rs. 1,356.77, 2023, between Rs. 486.73 and Rs. 859.93, 2022, between Rs. 559.63 and Rs. 1,041.55 and 2021, between Rs. 539.76 and Rs. 1,285.55.
| Year | Low (Rs.) | High (Rs.) | Sessions |
|---|
| 2026 | 830.00 | 1,005.00 | 168 |
|---|
| 2025 | 784.81 | 1,068.92 | 225 |
|---|
| 2024 | 511.11 | 1,356.77 | 232 |
|---|
| 2023 | 486.73 | 859.93 | 227 |
|---|
| 2022 | 559.63 | 1,041.55 | 242 |
|---|
| 2021 | 539.76 | 1,285.55 | 237 |
|---|
| 2020 | 218.49 | 620.69 | 181 |
|---|
| 2019 | 177.34 | 277.61 | 228 |
|---|
| 2018 | 196.33 | 344.56 | 217 |
|---|
| 2017 | 319.12 | 459.21 | 126 |
|---|
Himalayan share price returns
At Rs. 889.60 on 2026-09-22, HLBSL is up 1.10% over 1 week, up 2.25% over 1 month, up 2.84% over 3 months, down 8.10% over 6 months, down 1.48% over 1 year and down 5.13% 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 | +1.10% | 879.90 | 2026-09-15 |
|---|
| 1 month | +2.25% | 870.00 | 2026-08-21 |
|---|
| 3 months | +2.84% | 865.00 | 2026-06-24 |
|---|
| 6 months | -8.10% | 968.00 | 2026-03-26 |
|---|
| 1 year | -1.48% | 902.95 | 2025-09-21 |
|---|
| 5 years | -5.13% | 937.72 | 2021-09-23 |
|---|
HLBSL floorsheet for 2026-09-22
HLBSL traded 10 times on 2026-09-22, moving 683 shares for Rs. 0.06 crore of turnover. Trades went through between Rs. 870.00 and Rs. 889.60.
Largest buyers by volume: broker 100, Sunrise Securities Limited on 530 shares across 3 trades, broker 47, Neev Securities Pvt.Ltd on 64 shares across 2 trades, broker 10, Pragyan Securities Pvt. Limited on 58 shares across 2 trades and broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 31 shares across 3 trades.
Largest sellers by volume: broker 49, Online Securities Limited on 500 shares across 1 trades, broker 16, Primo Securities Pvt. Limited on 78 shares across 2 trades, broker 51, Oxford Securities Pvt.Ltd on 34 shares across 1 trades, broker 48, Trishakti Securities Public Limited on 19 shares across 1 trades, broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 11 shares across 1 trades, broker 41, Linch Stock Market Limited on 11 shares across 1 trades, broker 39, Sumeru Securities Pvt.Limited on 10 shares across 1 trades, broker 11, Malla & Malla Stock Broking Company Pvt. Limited on 10 shares across 1 trades and broker 6, Agrawal Securities Pvt. Limited on 10 shares across 1 trades.
HLBSL dividend history: bonus shares and cash dividend
Himalayan Laghubitta Bittiya Sanstha Limited most recently declared a 6.65% bonus share issue for 2081/2082, announced on 2025-12-21. 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 | 6.65% | | 2025-12-21 |
| 2078/2079 | 11% | | 2023-02-13 |
For 2081/2082 Himalayan Laghubitta Bittiya Sanstha Limited declared a 6.65% bonus share issue, announced on 2025-12-21.
For 2078/2079 Himalayan Laghubitta Bittiya Sanstha Limited declared an 11% bonus share issue, announced on 2023-02-13.
HLBSL general meetings
Annual and special general meetings Himalayan Laghubitta Bittiya Sanstha Limited has called. A dividend is declared by the board and approved at the AGM.
- 14th AGM for 2081/2082: on 2026-01-12, at Boganvilla Events, Tripureshor, Kathmandu (11:00 AM)
- 13th AGM for 2080/2081: on 2024-12-12, at Boganvilla Events, Tripureshor, Kathmandu (10:00 AM)
- 11th for 2078/2079: on 2023-03-13, at Bougainville Events, Tripureshwor, Kathmandu (11:00 AM)
5 years of annual statements and 11 quarters of results for HLBSL, with charts and peer comparison, are free on NepView.
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