Laxmi Laghubitta Bittiya Sanstha Ltd. (LLBS) Share Price & Fundamentals
Laxmi (LLBS) share price is Rs. 873.00, up 0.23% on 2026-09-22. Open Rs. 865.00. High Rs. 873.00. Low Rs. 771.40. Volume 19,054.
Laxmi Laghubitta Bittiya Sanstha Ltd. is a NEPSE-listed company (LLBS), Microfinance sector. Revenue: Rs. 49.61 Crore. Net profit: Rs. 1.96 Crore. Net worth: Rs. 71.24 Crore.
About Laxmi Laghubitta Bittiya Sanstha Ltd.
Nepal Rastra Bank Class "D" national-level microfinance financial institution, subsidiary of Laxmi Sunrise Bank Ltd (70% founder shareholding; 30% public). Operates 90 branch offices across 56 districts in all 7 provinces.
Laxmi Laghubitta Bittiya Sanstha Ltd. (LLBS) has 44,16,621 shares outstanding.
LLBS key metrics
LLBS strengths
What Laxmi Laghubitta Bittiya Sanstha Ltd.'s own accounts show in its favour, graded against the rest of its sector.
- Makes 7.5% on its assets from the gap between what it charges borrowers and pays savers. (Margins & Income Quality)
- Profit grew 449.6% on last year. (Growth)
- Bad-loan charges come to 0.1% of income, so borrowers are paying back well. (Asset Quality)
- 89.8% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
- 11.8% of what the bank owns belongs to shareholders rather than depositors and lenders. (Capital Strength)
- Income from lending grew 12.2% on last year, so the core business is expanding. (Growth)
- Owns 8.49x for every rupee shareholders put in, a modest multiple that limits risk. (Capital Strength)
- Total income grew 13.7% on last year. (Growth)
LLBS 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 2.8%, below what owners would hope for. (Profitability)
- Return on everything it owns is 0.3%, so its assets are not producing much. (Profitability)
- Only 48.9% of funding comes from deposits, so it relies on costlier borrowing. (Liquidity & Funding)
- The loan book moved -9.4%, so lending is not expanding. (Growth)
- Staff costs take 60% of income, a heavy load on earnings. (Efficiency)
- Loans are 95.4% of what the bank owns, so most of its risk sits in lending. (Asset Quality)
- Operating margin is 26.7%, so running costs take too much of what core banking earns. (Profitability)
- 48.2% of funding is borrowed, which costs more and can dry up in a crisis. (Liquidity & Funding)
- The bank's size moved -9.5% over the year. (Shareholder Returns)
- Each share produced Rs 24.39 over the year. (Shareholder Returns)
- Net profit margin is 19.1%, less than most lenders keep once every cost is paid. (Profitability)
- Only 9.7% of income comes from fees, so it leans heavily on lending. (Margins & Income Quality)
- Deposits moved 10%, so its cheapest source of funding is not growing. (Growth)
- Each share is backed by only Rs 161.31 of net worth. (Shareholder Returns)
LLBS Q3 2082/83 results
In Q3 2082/83 Laxmi Laghubitta Bittiya Sanstha Ltd. reported profit of Rs. 2.35 crore and total operating income of Rs. 13.99 crore. Profit in Q2 2082/83 was Rs. 0.29 crore. Profit grew 706.90% on the previous quarter. Total operating income grew 38.11% on the previous quarter. Profit in Q3 2081/82, the same quarter a year earlier, was Rs. 3.26 crore. Profit fell 28.17% on the same quarter last year. Total operating income grew 1.31% on the same quarter last year.
LLBS annual results 2081/82
For the financial year 2081/82 Laxmi Laghubitta Bittiya Sanstha Ltd. reported net profit of Rs. 1.96 crore, total operating income of Rs. 49.61 crore and net worth of Rs. 71.24 crore. Net profit in 2080/81 was Rs. 1.33 crore. Net profit grew 47.91% on the year. Total operating income grew 2.43% on the year.
LLBS profit and loss for 2081/82
In the financial year 2081/82, Laxmi Laghubitta Bittiya Sanstha Ltd. reported net interest income of Rs. 45.15 crore, net fee and commission income of Rs. 4.46 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 49.61 crore, impairment charge/(reversal) of Rs. 8.13 crore, net operating income of Rs. 41.48 crore, operating expenses of Rs. 38.75 crore, operating profit of Rs. 2.73 crore, non-operating income/(expense) of Rs. 0.07 crore, profit before income tax of Rs. 2.8 crore, income tax expense of Rs. 0.84 crore and profit for the year of Rs. 1.96 crore.
Reported under net interest income: interest income of Rs. 88.15 crore and interest expense of Rs. 43 crore. Reported under net fee and commission income: fee and commission income of Rs. 4.76 crore and fee and commission expense of Rs. 0.3 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 31.12 crore, other operating expenses of Rs. 6.84 crore and depreciation & amortisation of Rs. 0.79 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.07 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 0.84 crore and deferred tax of Rs. 0 crore.
LLBS profit and loss for 2080/81
In the financial year 2080/81, Laxmi Laghubitta Bittiya Sanstha Ltd. reported net interest income of Rs. 41.39 crore, net fee and commission income of Rs. 7.01 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.02 crore, total operating income of Rs. 48.43 crore, impairment charge/(reversal) of Rs. 2.26 crore, net operating income of Rs. 46.17 crore, operating expenses of Rs. 40.83 crore, operating profit of Rs. 5.34 crore, non-operating income/(expense) of Rs. 0.02 crore, profit before income tax of Rs. 5.36 crore, income tax expense of Rs. 4.03 crore and profit for the year of Rs. 1.33 crore.
Reported under net interest income: interest income of Rs. 96.88 crore and interest expense of Rs. 55.49 crore. Reported under net fee and commission income: fee and commission income of Rs. 7.01 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 33.32 crore, other operating expenses of Rs. 5.14 crore and depreciation & amortisation of Rs. 2.37 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.02 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 2.23 crore and deferred tax of Rs. 1.8 crore.
LLBS profit and loss for 2079/80
In the financial year 2079/80, Laxmi Laghubitta Bittiya Sanstha Ltd. reported net interest income of Rs. 38.3 crore, net fee and commission income of Rs. 4.4 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.07 crore, total operating income of Rs. 42.78 crore, impairment charge/(reversal) of Rs. 13.18 crore, net operating income of Rs. 29.6 crore, operating expenses of Rs. 40.07 crore, operating profit of Rs. 10.47 crore, non-operating income/(expense) of Rs. 0.02 crore, profit before income tax of Rs. 10.46 crore, income tax expense of Rs. 4.4 crore and profit for the year of Rs. 6.06 crore.
Reported under net interest income: interest income of Rs. 102.2 crore and interest expense of Rs. 63.9 crore. Reported under net fee and commission income: fee and commission income of Rs. 4.42 crore and fee and commission expense of Rs. 0.02 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 32.88 crore, other operating expenses of Rs. 4.21 crore and depreciation & amortisation of Rs. 2.98 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.02 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 2.04 crore and deferred tax of Rs. 6.44 crore.
LLBS balance sheet for 2081/82
In the financial year 2081/82, Laxmi Laghubitta Bittiya Sanstha Ltd. reported total assets of Rs. 604.52 crore, total liabilities of Rs. 533.28 crore and total equity of Rs. 71.24 crore.
Reported under total assets: cash and cash equivalents of Rs. 11.06 crore, due from nepal rastra bank of Rs. 3 crore, placement with banks and fis of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, other trading assets of Rs. 0 crore, loans and advances to banks and fis of Rs. 0 crore, loans and advances to customers of Rs. 576.94 crore, investment securities of Rs. 0.23 crore, current tax assets of Rs. 0 crore, investment property of Rs. 0 crore, property and equipment of Rs. 3.07 crore, goodwill and intangible assets of Rs. 0.18 crore, deferred tax assets of Rs. 3.9 crore and other assets of Rs. 6.14 crore. Reported under total liabilities: due to banks and fis of Rs. 0 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 260.77 crore, borrowings of Rs. 256.86 crore, current tax liabilities of Rs. 1.16 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 14.49 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 44.17 crore, share premium of Rs. 0 crore, retained earnings of Rs. 1.85 crore, reserves of Rs. 25.23 crore and non controlling interest of Rs. 0 crore.
LLBS balance sheet for 2080/81
In the financial year 2080/81, Laxmi Laghubitta Bittiya Sanstha Ltd. reported total assets of Rs. 667.99 crore, total liabilities of Rs. 594.54 crore and total equity of Rs. 73.45 crore.
Reported under total assets: cash and cash equivalents of Rs. 9.57 crore, due from nepal rastra bank of Rs. 3 crore, placement with banks and fis of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, other trading assets of Rs. 0 crore, loans and advances to banks and fis of Rs. 0 crore, loans and advances to customers of Rs. 636.59 crore, investment securities of Rs. 0.38 crore, current tax assets of Rs. 0 crore, investment property of Rs. 0 crore, property and equipment of Rs. 3.53 crore, goodwill and intangible assets of Rs. 0.34 crore, deferred tax assets of Rs. 3.9 crore and other assets of Rs. 10.66 crore. Reported under total liabilities: due to banks and fis of Rs. 0 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 237.14 crore, borrowings of Rs. 341.27 crore, current tax liabilities of Rs. 0.07 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 16.06 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 44.17 crore, share premium of Rs. 0 crore, retained earnings of Rs. 1.03 crore, reserves of Rs. 30.31 crore and non controlling interest of Rs. 0 crore.
LLBS balance sheet for 2079/80
In the financial year 2079/80, Laxmi Laghubitta Bittiya Sanstha Ltd. reported total assets of Rs. 617.45 crore, total liabilities of Rs. 544.54 crore and total equity of Rs. 72.91 crore.
Reported under total assets: cash and cash equivalents of Rs. 17.11 crore, due from nepal rastra bank of Rs. 3.1 crore, placement with banks and fis of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, other trading assets of Rs. 0 crore, loans and advances to banks and fis of Rs. 0 crore, loans and advances to customers of Rs. 580.67 crore, investment securities of Rs. 0.32 crore, current tax assets of Rs. 0.77 crore, investment property of Rs. 0 crore, property and equipment of Rs. 3.99 crore, goodwill and intangible assets of Rs. 0.71 crore, deferred tax assets of Rs. 5.38 crore and other assets of Rs. 5.41 crore. Reported under total liabilities: due to banks and fis of Rs. 0 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 232.45 crore, borrowings of Rs. 302.53 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 9.56 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 44.17 crore, share premium of Rs. 0 crore, retained earnings of Rs. 1.75 crore, reserves of Rs. 27 crore and non controlling interest of Rs. 0 crore.
LLBS cash flow for 2079/80
In the financial year 2079/80, Laxmi Laghubitta Bittiya Sanstha Ltd. reported net cash flow from operating activities (a) of Rs. 10.29 crore and net cash flow from investing activities (b) of Rs. 0.08 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 102.39 crore, fees and other income received of Rs. 4.91 crore, dividend received of Rs. 0.02 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 63.9 crore, commission and fees paid of Rs. 0.02 crore, cash payment to employees of Rs. 32.34 crore, other expense paid of Rs. 9.02 crore, operating cash flows before changes in operating assets and liabilities of Rs. 2.04 crore, due from nepal rastra bank of Rs. 0.4 crore, placement with banks and financial institutions of Rs. 0 crore, other trading assets of Rs. 0 crore, loan and advances to banks and financial institutions of Rs. 0 crore, loan and advances to customers of Rs. 175.24 crore, other assets of Rs. 1.05 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. 22.71 crore, borrowings of Rs. 143.02 crore, other liabilities of Rs. 0 crore, net cash flow from operating activities before tax paid of Rs. 10.89 crore and income taxes paid of Rs. 0.6 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 0 crore, receipts from sale of investment securities of Rs. 0 crore, purchase of property and equipment of Rs. 0.33 crore, receipt from sale of property and equipment of Rs. 0.25 crore, purchase of intangible assets of Rs. 0 crore, receipt from sale of intangible assets of Rs. 0 crore, purchase of investment properties of Rs. 0 crore, receipt from sale of investment properties of Rs. 0 crore, interest received of Rs. 0 crore and dividend received of Rs. 0 crore.
LLBS cash flow for 2078/79
In the financial year 2078/79, Laxmi Laghubitta Bittiya Sanstha Ltd. reported net cash flow from operating activities (a) of Rs. 5.43 crore and net cash flow from investing activities (b) of Rs. 1.57 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 106.7 crore, fees and other income received of Rs. 8.4 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 54.55 crore, commission and fees paid of Rs. 0.02 crore, cash payment to employees of Rs. 28.49 crore, other expense paid of Rs. 3.39 crore, operating cash flows before changes in operating assets and liabilities of Rs. 28.63 crore, due from nepal rastra bank of Rs. 0.53 crore, placement with banks and financial institutions of Rs. 8 crore, other trading assets of Rs. 0 crore, loan and advances to banks and financial institutions of Rs. 0 crore, loan and advances to customers of Rs. 143.58 crore, other assets of Rs. 1.26 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. 48.24 crore, borrowings of Rs. 74.86 crore, other liabilities of Rs. 0 crore, net cash flow from operating activities before tax paid of Rs. 14.36 crore and income taxes paid of Rs. 8.93 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 0 crore, receipts from sale of investment securities of Rs. 0 crore, purchase of property and equipment of Rs. 1.57 crore, receipt from sale of property and equipment of Rs. 0 crore, purchase of intangible assets of Rs. 0 crore, receipt from sale of intangible assets of Rs. 0 crore, purchase of investment properties of Rs. 0 crore, receipt from sale of investment properties of Rs. 0 crore, interest received of Rs. 0 crore and dividend received of Rs. 0 crore.
LLBS quarterly for Q3 2082/83
In the quarter Q3 2082/83, Laxmi Laghubitta Bittiya Sanstha Ltd. reported net interest income of Rs. 12.68 crore, net fee and commission income of Rs. 1.32 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 13.99 crore, impairment charge/(reversal) of Rs. 1.09 crore, net operating income of Rs. 12.91 crore, operating expenses of Rs. 9.85 crore, operating profit of Rs. 3.06 crore, non-operating income/(expense) of Rs. 0.29 crore, profit before income tax of Rs. 3.35 crore, income tax expense of Rs. 1.01 crore and profit for the year of Rs. 2.35 crore.
Reported under net interest income: interest income of Rs. 21.26 crore and interest expense of Rs. 8.58 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.37 crore and fee and commission expense of Rs. 0.05 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 8.27 crore, other operating expenses of Rs. 1.41 crore and depreciation & amortisation of Rs. 0.17 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.29 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 1.01 crore and deferred tax of Rs. 0 crore.
LLBS quarterly for Q2 2082/83
In the quarter Q2 2082/83, Laxmi Laghubitta Bittiya Sanstha Ltd. reported net interest income of Rs. 8.49 crore, net fee and commission income of Rs. 1.64 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 10.13 crore, impairment charge/(reversal) of Rs. 0.04 crore, net operating income of Rs. 10.1 crore, operating expenses of Rs. 9.69 crore, operating profit of Rs. 0.41 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 0.42 crore, income tax expense of Rs. 0.12 crore and profit for the year of Rs. 0.29 crore.
Reported under net interest income: interest income of Rs. 17.52 crore and interest expense of Rs. 9.03 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.65 crore and fee and commission expense of Rs. 0.01 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 7.8 crore, other operating expenses of Rs. 1.76 crore and depreciation & amortisation of Rs. 0.12 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. 0.12 crore and deferred tax of Rs. 0 crore.
LLBS quarterly for Q1 2082/83
In the quarter Q1 2082/83, Laxmi Laghubitta Bittiya Sanstha Ltd. reported net interest income of Rs. 14.07 crore, net fee and commission income of Rs. 1.2 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 15.28 crore, impairment charge/(reversal) of Rs. 1.08 crore, net operating income of Rs. 14.2 crore, operating expenses of Rs. 9.78 crore, operating profit of Rs. 4.42 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 4.42 crore, income tax expense of Rs. 1.32 crore and profit for the year of Rs. 3.09 crore.
Reported under net interest income: interest income of Rs. 23.45 crore and interest expense of Rs. 9.38 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.34 crore and fee and commission expense of Rs. 0.13 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 8.28 crore, other operating expenses of Rs. 1.39 crore and depreciation & amortisation of Rs. 0.12 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. 1.32 crore and deferred tax of Rs. 0 crore.
LLBS quarterly for Q4 2081/82
In the quarter Q4 2081/82, Laxmi Laghubitta Bittiya Sanstha Ltd. reported net interest income of Rs. 14.02 crore, net fee and commission income of Rs. 0.85 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 14.87 crore, impairment charge/(reversal) of Rs. 6.55 crore, net operating income of Rs. 8.33 crore, operating expenses of Rs. 10.93 crore, operating profit of Rs. 2.6 crore, non-operating income/(expense) of Rs. 0.04 crore, profit before income tax of Rs. 2.56 crore, income tax expense of Rs. 0.69 crore and profit for the year of Rs. 1.87 crore.
Reported under net interest income: interest income of Rs. 23.83 crore and interest expense of Rs. 9.81 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.03 crore and fee and commission expense of Rs. 0.18 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 9.11 crore, other operating expenses of Rs. 1.87 crore and depreciation & amortisation of Rs. 0.06 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. 0.69 crore and deferred tax of Rs. 0 crore.
LLBS Profit & Loss
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 |
|---|
| Net Interest Income | 45.1 | 41.4 | 38.3 | 54.9 |
|---|
| Interest Income | 88.1 | 96.9 | 102 | 109 |
|---|
| Interest Expense | -43.0 | -55.5 | -63.9 | -54.6 |
|---|
| Net Fee and Commission Income | 4.5 | 7.0 | 4.4 | 7.9 |
|---|
| Fee and Commission Income | 4.8 | 7.0 | 4.4 | 7.9 |
|---|
| Fee and Commission Expense | -0.30 | 0.00 | -0.02 | -0.02 |
|---|
| Net Trading Income | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Other Operating Income | 0.00 | 0.02 | 0.07 | 0.00 |
|---|
| Total Operating Income | 49.6 | 48.4 | 42.8 | 62.8 |
|---|
| Impairment Charge/(Reversal) | -8.1 | -2.3 | -13.2 | -6.0 |
|---|
| Net Operating Income | 41.5 | 46.2 | 29.6 | 56.8 |
|---|
| Operating Expenses | -38.7 | -40.8 | -40.1 | -36.0 |
|---|
| Operating Expense - Personnel Expenses | -31.1 | -33.3 | -32.9 | -29.4 |
|---|
| Other Operating Expenses | -6.8 | -5.1 | -4.2 | -5.1 |
|---|
| Depreciation & Amortisation | -0.79 | -2.4 | -3.0 | -1.5 |
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| Operating Profit | 2.7 | 5.3 | -10.5 | 20.8 |
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| Non-Operating Income/(Expense) | 0.07 | 0.02 | 0.02 | -0.39 |
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| Non-Operating Income | 0.07 | 0.02 | 0.02 | 0.00 |
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| Non-Operating Expense | 0.00 | 0.00 | 0.00 | -0.39 |
|---|
| Profit Before Income Tax | 2.8 | 5.4 | -10.5 | 20.5 |
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| Income Tax Expense | -0.84 | -4.0 | 4.4 | -6.0 |
|---|
| Current Tax | -0.84 | -2.2 | -2.0 | -6.0 |
|---|
| Deferred Tax | 0.00 | -1.8 | 6.4 | -0.03 |
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| Profit for the Year | 2.0 | 1.3 | -6.1 | 14.4 |
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LLBS Balance Sheet
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 |
|---|
| Total Assets | 605 | 668 | 617 | 796 | 660 |
|---|
| Cash and Cash Equivalents | 11.1 | 9.6 | 17.1 | 8.8 | 7.3 |
|---|
| Due from Nepal Rastra Bank | 3.0 | 3.0 | 3.1 | 3.5 | 3.0 |
|---|
| Placement with Banks and FIs | 0.00 | 0.00 | 0.00 | 0.00 | 8.0 |
|---|
| Derivative Financial Instruments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Other Trading Assets | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Loans and Advances to Banks and FIs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
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| Loans and Advances to Customers | 577 | 637 | 581 | 771 | 632 |
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| Investment Securities | 0.23 | 0.38 | 0.32 | 0.30 | 0.30 |
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| Current Tax Assets | 0.00 | 0.00 | 0.77 | 2.2 | 0.00 |
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| Investment Property | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
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| Property and Equipment | 3.1 | 3.5 | 4.0 | 5.5 | 5.4 |
|---|
| Goodwill and Intangible Assets | 0.18 | 0.34 | 0.71 | 1.1 | 1.5 |
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| Deferred Tax Assets | 3.9 | 3.9 | 5.4 | 0.00 | 0.00 |
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| Other Assets | 6.1 | 10.7 | 5.4 | 4.2 | 2.8 |
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| Total Liabilities | 533 | 595 | 545 | 715 | 590 |
|---|
| Due to Banks and FIs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Due to Nepal Rastra Bank | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Derivative Financial Instruments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
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| Deposits from Customers | 261 | 237 | 232 | 255 | 207 |
|---|
| Borrowings | 257 | 341 | 303 | 446 | 371 |
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| Current Tax Liabilities | 1.2 | 0.07 | 0.00 | 0.00 | 0.71 |
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| Provisions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
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| Deferred Tax Liabilities | 0.00 | 0.00 | 0.00 | 1.1 | 1.2 |
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| Other Liabilities | 14.5 | 16.1 | 9.6 | 13.3 | 10.2 |
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| Debt Securities Issued | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
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| Subordinated Liabilities | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
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| Total Equity | 71.2 | 73.4 | 72.9 | 81.3 | 70.2 |
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| Share Capital | 44.2 | 44.2 | 44.2 | 38.4 | 32.0 |
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| Share Premium | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
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| Retained Earnings | 1.9 | -1.0 | 1.7 | 19.9 | 18.7 |
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| Reserves | 25.2 | 30.3 | 27.0 | 23.0 | 19.5 |
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| Non Controlling Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
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LLBS Cash Flow
Values in Rs. Crore unless stated otherwise.
| Particulars | 2079/80 | 2078/79 |
|---|
| Net Cash Flow from Operating Activities (A) | 10.3 | 5.4 |
|---|
| Interest Received | 102 | 107 |
|---|
| Fees and Other Income Received | 4.9 | 8.4 |
|---|
| Dividend Received | 0.02 | 0.00 |
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| Receipts from Other Operating Activities | 0.00 | 0.00 |
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| Interest Paid | -63.9 | -54.6 |
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| Commission and Fees Paid | -0.02 | -0.02 |
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| Cash Payment to Employees | -32.3 | -28.5 |
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| Other Expense Paid | -9.0 | -3.4 |
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| Operating Cash Flows Before Changes in Operating Assets and Liabilities | 2.0 | 28.6 |
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| Due from Nepal Rastra Bank | 0.40 | -0.53 |
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| Placement with Banks and Financial Institutions | 0.00 | 8.0 |
|---|
| Other Trading Assets | 0.00 | 0.00 |
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| Loan and Advances to Banks and Financial Institutions | 0.00 | 0.00 |
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| Loan and Advances to Customers | 175 | -144 |
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| Other Assets | -1.1 | -1.3 |
|---|
| Due to Banks and Financial Institutions | 0.00 | 0.00 |
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| Due to Nepal Rastra Bank | 0.00 | 0.00 |
|---|
| Deposit from Customers | -22.7 | 48.2 |
|---|
| Borrowings | -143 | 74.9 |
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| Other Liabilities | 0.00 | 0.00 |
|---|
| Net Cash Flow from Operating Activities Before Tax Paid | 10.9 | 14.4 |
|---|
| Income Taxes Paid | -0.60 | -8.9 |
|---|
| Net Cash Flow from Investing Activities (B) | -0.08 | -1.6 |
|---|
| Purchase of Investment Securities | 0.00 | 0.00 |
|---|
| Receipts from Sale of Investment Securities | 0.00 | 0.00 |
|---|
| Purchase of Property and Equipment | -0.33 | -1.6 |
|---|
| Receipt from Sale of Property and Equipment | 0.25 | 0.00 |
|---|
| Purchase of Intangible Assets | 0.00 | 0.00 |
|---|
| Receipt from Sale of Intangible Assets | 0.00 | 0.00 |
|---|
| Purchase of Investment Properties | 0.00 | 0.00 |
|---|
| Receipt from Sale of Investment Properties | 0.00 | 0.00 |
|---|
| Interest Received | 0.00 | 0.00 |
|---|
| Dividend Received | 0.00 | 0.00 |
|---|
LLBS 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 |
|---|
| Net Interest Income | 12.7 | 8.5 | 14.1 | 14.0 | 12.6 | 8.4 | 11.4 |
|---|
| Interest Income | 21.3 | 17.5 | 23.4 | 23.8 | 22.7 | 19.4 | 23.4 |
|---|
| Interest Expense | -8.6 | -9.0 | -9.4 | -9.8 | -10.1 | -11.0 | -12.0 |
|---|
| Net Fee and Commission Income | 1.3 | 1.6 | 1.2 | 0.85 | 1.2 | 1.0 | 1.4 |
|---|
| Fee and Commission Income | 1.4 | 1.7 | 1.3 | 1.0 | 1.2 | 1.1 | 1.4 |
|---|
| Fee and Commission Expense | -0.05 | -0.01 | -0.13 | -0.18 | -0.03 | -0.09 | -0.00 |
|---|
| Net Trading Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Other Operating Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Total Operating Income | 14.0 | 10.1 | 15.3 | 14.9 | 13.8 | 9.4 | 12.7 |
|---|
| Impairment Charge/(Reversal) | -1.1 | -0.04 | -1.1 | -6.5 | -0.12 | -0.75 | -0.71 |
|---|
| Net Operating Income | 12.9 | 10.1 | 14.2 | 8.3 | 13.7 | 8.6 | 12.0 |
|---|
| Operating Expenses | -9.8 | -9.7 | -9.8 | -10.9 | -9.2 | -8.7 | -9.6 |
|---|
| Operating Expense - Personnel Expenses | -8.3 | -7.8 | -8.3 | -9.1 | -7.5 | -6.6 | -7.6 |
|---|
| Other Operating Expenses | -1.4 | -1.8 | -1.4 | -1.9 | -1.4 | -1.8 | -1.7 |
|---|
| Depreciation & Amortisation | -0.17 | -0.12 | -0.12 | 0.06 | -0.28 | -0.28 | -0.28 |
|---|
| Operating Profit | 3.1 | 0.41 | 4.4 | -2.6 | 4.5 | -0.02 | 2.4 |
|---|
| Non-Operating Income/(Expense) | 0.29 | 0.00 | 0.00 | 0.04 | 0.00 | 0.00 | 0.02 |
|---|
| Non-Operating Income | 0.29 | 0.00 | 0.00 | 0.04 | 0.00 | 0.00 | 0.02 |
|---|
| Non-Operating Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Profit Before Income Tax | 3.4 | 0.42 | 4.4 | -2.6 | 4.5 | -0.02 | 2.4 |
|---|
| Income Tax Expense | -1.0 | -0.12 | -1.3 | 0.69 | -1.2 | 0.08 | -0.73 |
|---|
| Current Tax | -1.0 | -0.12 | -1.3 | 0.69 | -1.2 | 0.08 | -0.73 |
|---|
| Deferred Tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Profit for the Year | 2.3 | 0.29 | 3.1 | -1.9 | 3.3 | 0.06 | 1.7 |
|---|
Laxmi share price history
Over the last 15 trading sessions LLBS closed between Rs. 846.10 and Rs. 885.00, finishing at Rs. 873.00 on 2026-09-22 against Rs. 885.00 on 2026-08-26.
| Date | Open | High | Low | Close | Volume |
|---|
| 2026-09-22 | 865.00 | 873.00 | 771.40 | 873.00 | 19,054 |
|---|
| 2026-09-18 | 870.00 | 873.00 | 860.00 | 871.00 | 322 |
|---|
| 2026-09-17 | 865.00 | 865.00 | 863.50 | 865.00 | 55 |
|---|
| 2026-09-16 | 855.00 | 880.00 | 850.00 | 877.00 | 1,575 |
|---|
| 2026-09-15 | 906.10 | 906.10 | 860.00 | 860.00 | 3,046 |
|---|
| 2026-09-14 | 860.00 | 863.00 | 854.00 | 863.00 | 211 |
|---|
| 2026-09-11 | 860.00 | 880.00 | 838.30 | 880.00 | 928 |
|---|
| 2026-09-10 | 869.00 | 884.50 | 869.00 | 884.50 | 20 |
|---|
| 2026-09-09 | 846.00 | 869.00 | 846.00 | 869.00 | 166 |
|---|
| 2026-09-07 | 871.10 | 872.00 | 845.90 | 870.50 | 542 |
|---|
| 2026-09-03 | 879.00 | 879.00 | 840.00 | 846.10 | 388 |
|---|
| 2026-09-02 | 840.00 | 859.00 | 840.00 | 858.00 | 212 |
|---|
| 2026-09-01 | 903.00 | 957.00 | 860.00 | 865.00 | 394 |
|---|
| 2026-08-31 | 855.60 | 860.00 | 850.00 | 860.00 | 148 |
|---|
| 2026-08-26 | 899.00 | 899.00 | 851.80 | 885.00 | 90 |
|---|
LLBS share price by year
2026, between Rs. 771.40 and Rs. 1,081.90, 2025, between Rs. 865.00 and Rs. 1,367.30, 2024, between Rs. 663.50 and Rs. 1,428.00, 2023, between Rs. 580.00 and Rs. 1,180.00, 2022, between Rs. 850.52 and Rs. 1,519.13 and 2021, between Rs. 959.42 and Rs. 1,865.22.
| Year | Low (Rs.) | High (Rs.) | Sessions |
|---|
| 2026 | 771.40 | 1,081.90 | 167 |
|---|
| 2025 | 865.00 | 1,367.30 | 225 |
|---|
| 2024 | 663.50 | 1,428.00 | 231 |
|---|
| 2023 | 580.00 | 1,180.00 | 226 |
|---|
| 2022 | 850.52 | 1,519.13 | 241 |
|---|
| 2021 | 959.42 | 1,865.22 | 239 |
|---|
| 2020 | 434.15 | 1,043.48 | 183 |
|---|
| 2019 | 349.03 | 465.74 | 235 |
|---|
| 2018 | 368.76 | 764.91 | 228 |
|---|
| 2017 | 373.59 | 1,115.79 | 225 |
|---|
| 2016 | 446.31 | 1,016.16 | 224 |
|---|
| 2015 | 167.10 | 438.34 | 187 |
|---|
Laxmi share price returns
At Rs. 873.00 on 2026-09-22, LLBS is up 1.51% over 1 week, down 0.46% over 1 month, down 7.52% over 3 months, down 16.06% over 6 months, down 10.98% over 1 year and down 39.49% 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 | +1.51% | 860.00 | 2026-09-15 |
|---|
| 1 month | -0.46% | 877.00 | 2026-08-21 |
|---|
| 3 months | -7.52% | 944.00 | 2026-06-24 |
|---|
| 6 months | -16.06% | 1,040.00 | 2026-03-26 |
|---|
| 1 year | -10.98% | 980.69 | 2025-09-21 |
|---|
| 5 years | -39.49% | 1,442.75 | 2021-09-23 |
|---|
LLBS floorsheet for 2026-09-22
LLBS traded 173 times on 2026-09-22, moving 19,054 shares for Rs. 1.56 crore of turnover. Trades went through between Rs. 771.40 and Rs. 873.00.
Largest buyers by volume: broker 40, Creative Securities Pvt.Limited on 5,480 shares across 10 trades, broker 16, Primo Securities Pvt. Limited on 2,785 shares across 11 trades, broker 13, Thrive Brokerage House Pvt. Limited on 1,200 shares across 3 trades, broker 26, Asian Securities Pvt. Limited on 1,131 shares across 8 trades, broker 49, Online Securities Limited on 800 shares across 2 trades, broker 17, ABC Securities Pvt. Limited on 695 shares across 7 trades, broker 5, Market Securities Exchange Company Pvt. Limited on 662 shares across 14 trades, broker 41, Linch Stock Market Limited on 630 shares across 4 trades, broker 22, Siprabi Securities Pvt. Limited on 484 shares across 6 trades and broker 39, Sumeru Securities Pvt.Limited on 470 shares across 7 trades.
Largest sellers by volume: broker 91, C.B.I.L. Securities Limited on 17,970 shares across 135 trades, broker 53, Investment Management Nepal Pvt. Ltd. on 500 shares across 6 trades, broker 42, Sani Securities Company Limited on 110 shares across 6 trades, broker 48, Trishakti Securities Public Limited on 90 shares across 4 trades, broker 74, Kalash Stock Market Pvt. Ltd. on 80 shares across 6 trades, broker 44, Dynamic Money Managers Securities Pvt.Ltd on 51 shares across 3 trades, broker 22, Siprabi Securities Pvt. Limited on 50 shares across 2 trades, broker 49, Online Securities Limited on 50 shares across 1 trades, broker 7, J.F. Securities Company Pvt. Limited on 45 shares across 2 trades and broker 14, Nepal Stock House Pvt. Limited on 40 shares across 1 trades.
LLBS dividend history: bonus shares and cash dividend
Laxmi Laghubitta Bittiya Sanstha Ltd. most recently declared a 15% bonus share issue and a 5% cash dividend, 20% in total for 2078/2079, announced on 2023-02-15. 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 |
|---|
| 2078/2079 | 15% | 5% | 2023-02-15 |
For 2078/2079 Laxmi Laghubitta Bittiya Sanstha Ltd. declared a 15% bonus share issue and a 5% cash dividend, 20% in total, announced on 2023-02-15.
LLBS general meetings
Annual and special general meetings Laxmi Laghubitta Bittiya Sanstha Ltd. has called. A dividend is declared by the board and approved at the AGM.
- 14th AGM for 2081/2082: on 2026-01-13, at Agrawal Bhaban, Kamalpokhari, Kathmandu (11:00 AM)
- 13th AGM for 2080/2081: on 2025-01-10, at Agrawal Bhaban, Kamalpokhari, Kathmandu (11:00 AM)
- 12th AGM for 2079/2080: on 2024-01-14, at Agrawal Bhaban, Kamalpokhari, Kathmandu (11:00 AM)
5 years of annual statements and 7 quarters of results for LLBS, with charts and peer comparison, are free on NepView.
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