Matribhumi Lagubitta Bittiya Sanstha Limited (MATRI) Share Price & Fundamentals
Matribhumi Lagubitta (MATRI) share price is Rs. 748.00, up 1.22% on 2026-09-22. Open Rs. 740.00. High Rs. 762.20. Low Rs. 740.00. Volume 572.
Matribhumi Lagubitta Bittiya Sanstha Limited is a NEPSE-listed company (MATRI), Microfinance sector. Revenue: Rs. 61.08 Crore. Net loss: Rs. 52.33 Crore. Net worth: Rs. 62.83 Crore.
About Matribhumi Lagubitta Bittiya Sanstha Limited
NRB Class "D" microfinance institution. Head Office: Lamkichuha-4, Kailali; Corporate Office: Budhanilkantha, Kathmandu. Formed by merger of Kisan Laghubitta Bittiya Sanstha Ltd and Jalpa Samudayik Laghubitta Bittiya Sanstha Ltd (swap ratio 1 : 0.8834). Audited by NSA & Associates.
Matribhumi Lagubitta Bittiya Sanstha Limited (MATRI) has 62,83,573 shares outstanding.
MATRI key metrics
MATRI strengths
What Matribhumi Lagubitta Bittiya Sanstha Limited's own accounts show in its favour, graded against the rest of its sector.
- Bad-loan charges come to -10.8% of income, so borrowers are paying back well. (Asset Quality)
- Income from lending grew 59% on last year, so the core business is expanding. (Growth)
- Each share earned Rs 46.82 of profit over the year. (Shareholder Returns)
- Total income grew 51.7% on last year. (Growth)
- 16.3% of income comes from fees and commissions, so it does not depend on lending alone. (Margins & Income Quality)
- Customer deposits grew 19.8% on last year, giving it more cheap money to lend. (Growth)
- 81.4% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
- Turns 31.7% of its income into profit once every cost is paid. (Profitability)
- Keeps 43.7% of income as profit from everyday banking, before tax. (Profitability)
MATRI 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 -83.3%, below what owners would hope for. (Profitability)
- Return on everything it owns is -4.4%, so its assets are not producing much. (Profitability)
- Only 5.3% of what it owns belongs to shareholders, so there is less cushion for losses. (Capital Strength)
- Only 42.2% of funding comes from deposits, so it relies on costlier borrowing. (Liquidity & Funding)
- Owns 18.94x for every rupee shareholders put in. A high multiple magnifies losses as well as gains. (Capital Strength)
- The loan book moved -7.9%, so lending is not expanding. (Growth)
- Each share is backed by only Rs 99.99 of net worth. (Shareholder Returns)
- Staff costs take 48.6% of income, a heavy load on earnings. (Efficiency)
- Loans are 88% of what the bank owns, so most of its risk sits in lending. (Asset Quality)
- 55.6% of funding is borrowed, which costs more and can dry up in a crisis. (Liquidity & Funding)
- The bank's size moved -5.5% over the year. (Shareholder Returns)
- Makes only 4% from the gap between lending and deposit rates, so core earnings are squeezed. (Margins & Income Quality)
MATRI Q3 2082/83 results
In Q3 2082/83 Matribhumi Lagubitta Bittiya Sanstha Limited reported profit of Rs. 4.65 crore and total operating income of Rs. 18.81 crore. Profit in Q2 2082/83 was Rs. 5.51 crore. Profit fell 15.57% on the previous quarter. Total operating income grew 1.45% on the previous quarter. Profit in Q3 2081/82, the same quarter a year earlier, was Rs. 3.79 crore. Profit grew 22.68% on the same quarter last year. Total operating income grew 51.75% on the same quarter last year.
MATRI annual results 2081/82
For the financial year 2081/82 Matribhumi Lagubitta Bittiya Sanstha Limited reported a net loss of Rs. 52.33 crore, total operating income of Rs. 61.08 crore and net worth of Rs. 62.83 crore. Net profit in 2080/81 was a loss of Rs. 2.79 crore. Total operating income grew 97.50% on the year.
MATRI profit and loss for 2081/82
In the financial year 2081/82, Matribhumi Lagubitta Bittiya Sanstha Limited reported net interest income of Rs. 47.44 crore, net fee and commission income of Rs. 13.64 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 61.08 crore, impairment charge/(reversal) of Rs. 53.07 crore, net operating income of Rs. 8.01 crore, operating expenses of Rs. 56.59 crore, operating profit of Rs. 48.58 crore, non-operating income/(expense) of Rs. 1.24 crore, profit before income tax of Rs. 47.34 crore, income tax expense of Rs. 4.99 crore and profit for the year of Rs. 52.33 crore.
Reported under net interest income: interest income of Rs. 139.88 crore and interest expense of Rs. 92.44 crore. Reported under net fee and commission income: fee and commission income of Rs. 13.64 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 44.19 crore, other operating expenses of Rs. 8.88 crore and depreciation & amortisation of Rs. 3.51 crore. Reported under non-operating income/(expense): non-operating income of Rs. 4.19 crore and non-operating expense of Rs. 2.95 crore. Reported under income tax expense: current tax of Rs. 1.47 crore and deferred tax of Rs. 3.52 crore.
MATRI profit and loss for 2080/81
In the financial year 2080/81, Matribhumi Lagubitta Bittiya Sanstha Limited reported net interest income of Rs. 26.07 crore, net fee and commission income of Rs. 4.85 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 30.93 crore, impairment charge/(reversal) of Rs. 5.53 crore, net operating income of Rs. 25.39 crore, operating expenses of Rs. 28.56 crore, operating profit of Rs. 3.16 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 3.16 crore, income tax expense of Rs. 0.37 crore and profit for the year of Rs. 2.79 crore.
Reported under net interest income: interest income of Rs. 93.36 crore and interest expense of Rs. 67.29 crore. Reported under net fee and commission income: fee and commission income of Rs. 4.85 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 22.2 crore, other operating expenses of Rs. 4.16 crore and depreciation & amortisation of Rs. 2.2 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. 0.6 crore and deferred tax of Rs. 0.97 crore.
MATRI profit and loss for 2079/80
In the financial year 2079/80, Matribhumi Lagubitta Bittiya Sanstha Limited reported net interest income of Rs. 24.62 crore, net fee and commission income of Rs. 6.47 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 31.1 crore, impairment charge/(reversal) of Rs. 2.89 crore, net operating income of Rs. 28.2 crore, operating expenses of Rs. 27.9 crore, operating profit of Rs. 0.3 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 0.3 crore, income tax expense of Rs. 0.86 crore and profit for the year of Rs. 1.16 crore.
Reported under net interest income: interest income of Rs. 95.49 crore and interest expense of Rs. 70.87 crore. Reported under net fee and commission income: fee and commission income of Rs. 6.47 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 21.45 crore, other operating expenses of Rs. 4.3 crore and depreciation & amortisation of Rs. 2.15 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. 0.19 crore and deferred tax of Rs. 1.05 crore.
MATRI balance sheet for 2081/82
In the financial year 2081/82, Matribhumi Lagubitta Bittiya Sanstha Limited reported total assets of Rs. 1,189.86 crore, total liabilities of Rs. 1,127.03 crore and total equity of Rs. 62.83 crore.
Reported under total assets: cash and cash equivalents of Rs. 2.76 crore, due from nepal rastra bank of Rs. 55.91 crore, placement with banks and fis of Rs. 58.79 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. 1,047.42 crore, investment securities of Rs. 0.1 crore, current tax assets of Rs. 0.63 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 0 crore, property and equipment of Rs. 18.99 crore, goodwill and intangible assets of Rs. 0.12 crore, deferred tax assets of Rs. 0 crore and other assets of Rs. 5.14 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. 475.65 crore, borrowings of Rs. 626.65 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0.79 crore, other liabilities of Rs. 23.93 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 62.84 crore, share premium of Rs. 0 crore, retained earnings of Rs. 61.57 crore, reserves of Rs. 61.57 crore and non controlling interest of Rs. 0 crore.
MATRI balance sheet for 2080/81
In the financial year 2080/81, Matribhumi Lagubitta Bittiya Sanstha Limited reported total assets of Rs. 1,259.46 crore, total liabilities of Rs. 1,144.44 crore and total equity of Rs. 115.03 crore.
Reported under total assets: cash and cash equivalents of Rs. 4.19 crore, due from nepal rastra bank of Rs. 5.91 crore, placement with banks and fis of Rs. 84.58 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. 1,137.15 crore, investment securities of Rs. 0.1 crore, current tax assets of Rs. 1.79 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 0 crore, property and equipment of Rs. 21.78 crore, goodwill and intangible assets of Rs. 0.17 crore, deferred tax assets of Rs. 2.76 crore and other assets of Rs. 1.04 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. 397 crore, borrowings of Rs. 674.93 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 72.5 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 62.84 crore, share premium of Rs. 0 crore, retained earnings of Rs. 5.27 crore, reserves of Rs. 57.46 crore and non controlling interest of Rs. 0 crore.
MATRI balance sheet for 2079/80
In the financial year 2079/80, Matribhumi Lagubitta Bittiya Sanstha Limited reported total assets of Rs. 660.37 crore, total liabilities of Rs. 591.76 crore and total equity of Rs. 68.61 crore.
Reported under total assets: cash and cash equivalents of Rs. 2.28 crore, due from nepal rastra bank of Rs. 3.61 crore, placement with banks and fis of Rs. 10.04 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. 620.29 crore, investment securities of Rs. 0.1 crore, current tax assets of Rs. 4.09 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 0 crore, property and equipment of Rs. 11.64 crore, goodwill and intangible assets of Rs. 0.09 crore, deferred tax assets of Rs. 0.43 crore and other assets of Rs. 7.8 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. 134.74 crore, borrowings of Rs. 438.65 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 18.37 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 50.44 crore, share premium of Rs. 0 crore, retained earnings of Rs. 1.7 crore, reserves of Rs. 16.48 crore and non controlling interest of Rs. 0 crore.
MATRI cash flow for 2081/82
In the financial year 2081/82, Matribhumi Lagubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 23.39 crore, net cash flow from investing activities (b) of Rs. 0.68 crore, net cash flow from financing activities (c) of Rs. 0.06 crore, net increase/(decrease) in cash and cash equivalents of Rs. 22.78 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 94.67 crore, effect of exchange rate fluctuations on cash and cash equivalents held of Rs. 0 crore and cash and cash equivalents at ashadh end of Rs. 117.45 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 139.88 crore, fees and other income received of Rs. 13.64 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 92.44 crore, commission and fees paid of Rs. 0 crore, cash payment to employees of Rs. 44.19 crore, other expense paid of Rs. 8.88 crore, operating cash flows before changes in operating assets and liabilities of Rs. 47.28 crore, due from nepal rastra bank of Rs. 0 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. 89.73 crore, other assets of Rs. 0.19 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. 78.65 crore, borrowings of Rs. 48.28 crore, other liabilities of Rs. 47.78 crore and income taxes paid of Rs. 1.47 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. 0.68 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. Reported under net cash flow from financing activities (c): receipt from issue of shares of Rs. 0 crore and other receipt/payment of Rs. 0.06 crore.
MATRI cash flow for 2080/81
In the financial year 2080/81, Matribhumi Lagubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 79.59 crore, net cash flow from investing activities (b) of Rs. 0.85 crore, net cash flow from financing activities (c) of Rs. 0 crore, net increase/(decrease) in cash and cash equivalents of Rs. 78.74 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 15.93 crore, effect of exchange rate fluctuations on cash and cash equivalents held of Rs. 0 crore and cash and cash equivalents at ashadh end of Rs. 94.67 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 93.36 crore, fees and other income received of Rs. 4.85 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 66.85 crore, commission and fees paid of Rs. 0 crore, cash payment to employees of Rs. 22.2 crore, other expense paid of Rs. 4.16 crore, operating cash flows before changes in operating assets and liabilities of Rs. 0.59 crore, due from nepal rastra bank of Rs. 0 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. 479.66 crore, other assets of Rs. 7.75 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. 262.26 crore, borrowings of Rs. 236.28 crore, other liabilities of Rs. 54.13 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. 0.85 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.
MATRI cash flow for 2079/80
In the financial year 2079/80, Matribhumi Lagubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 2.83 crore, net cash flow from investing activities (b) of Rs. 4.8 crore, net cash flow from financing activities (c) of Rs. 0 crore, net increase/(decrease) in cash and cash equivalents of Rs. 7.63 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 23.56 crore, effect of exchange rate fluctuations on cash and cash equivalents held of Rs. 0 crore and cash and cash equivalents at ashadh end of Rs. 15.93 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 95.49 crore, fees and other income received of Rs. 6.47 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 70.87 crore, commission and fees paid of Rs. 0 crore, cash payment to employees of Rs. 21.45 crore, other expense paid of Rs. 4.3 crore, operating cash flows before changes in operating assets and liabilities of Rs. 3.17 crore, due from nepal rastra bank of Rs. 0 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. 40.6 crore, other assets of Rs. 0.75 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. 3.99 crore, borrowings of Rs. 44.65 crore, other liabilities of Rs. 1.48 crore and income taxes paid of Rs. 0.19 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. 4.84 crore, receipt from sale of property and equipment of Rs. 0.04 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.
MATRI quarterly for Q3 2082/83
In the quarter Q3 2082/83, Matribhumi Lagubitta Bittiya Sanstha Limited reported net interest income of Rs. 15.55 crore, net fee and commission income of Rs. 3.23 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.02 crore, total operating income of Rs. 18.81 crore, impairment charge/(reversal) of Rs. 2.79 crore, net operating income of Rs. 21.6 crore, operating expenses of Rs. 14.96 crore, operating profit of Rs. 6.64 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 6.64 crore, income tax expense of Rs. 1.99 crore and profit for the year of Rs. 4.65 crore.
Reported under net interest income: interest income of Rs. 34.93 crore and interest expense of Rs. 19.38 crore. Reported under net fee and commission income: fee and commission income of Rs. 3.24 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 10.84 crore, other operating expenses of Rs. 3.7 crore and depreciation & amortisation of Rs. 0.42 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. 1.99 crore and deferred tax of Rs. 0 crore.
MATRI quarterly for Q2 2082/83
In the quarter Q2 2082/83, Matribhumi Lagubitta Bittiya Sanstha Limited reported net interest income of Rs. 15.42 crore, net fee and commission income of Rs. 3.02 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.1 crore, total operating income of Rs. 18.54 crore, impairment charge/(reversal) of Rs. 1.75 crore, net operating income of Rs. 20.29 crore, operating expenses of Rs. 14.79 crore, operating profit of Rs. 5.51 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 5.51 crore, income tax expense of Rs. 0 crore and profit for the year of Rs. 5.51 crore.
Reported under net interest income: interest income of Rs. 33.73 crore and interest expense of Rs. 18.31 crore. Reported under net fee and commission income: fee and commission income of Rs. 3.03 crore and fee and commission expense of Rs. 0.01 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 10.61 crore, other operating expenses of Rs. 3.56 crore and depreciation & amortisation of Rs. 0.62 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 crore and deferred tax of Rs. 0 crore.
MATRI quarterly for Q1 2082/83
In the quarter Q1 2082/83, Matribhumi Lagubitta Bittiya Sanstha Limited reported net interest income of Rs. 10.59 crore, net fee and commission income of Rs. 2.36 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 12.95 crore, impairment charge/(reversal) of Rs. 3.35 crore, net operating income of Rs. 9.6 crore, operating expenses of Rs. 11.57 crore, operating profit of Rs. 1.97 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 1.97 crore, income tax expense of Rs. 0 crore and profit for the year of Rs. 1.97 crore.
Reported under net interest income: interest income of Rs. 30.48 crore and interest expense of Rs. 19.89 crore. Reported under net fee and commission income: fee and commission income of Rs. 2.37 crore and fee and commission expense of Rs. 0.01 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 10.06 crore, other operating expenses of Rs. 1.51 crore and depreciation & amortisation of Rs. 0 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 crore and deferred tax of Rs. 0 crore.
MATRI quarterly for Q3 2081/82
In the quarter Q3 2081/82, Matribhumi Lagubitta Bittiya Sanstha Limited reported net interest income of Rs. 9.77 crore, net fee and commission income of Rs. 0.09 crore, net trading income of Rs. 0 crore, other operating income of Rs. 2.54 crore, total operating income of Rs. 12.4 crore, impairment charge/(reversal) of Rs. 3.65 crore, net operating income of Rs. 16.05 crore, operating expenses of Rs. 12.26 crore, operating profit of Rs. 3.79 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 3.79 crore, income tax expense of Rs. 0 crore and profit for the year of Rs. 3.79 crore.
Reported under net interest income: interest income of Rs. 32.73 crore and interest expense of Rs. 22.96 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.13 crore and fee and commission expense of Rs. 0.04 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 9.97 crore, other operating expenses of Rs. 1.97 crore and depreciation & amortisation of Rs. 0.32 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 crore and deferred tax of Rs. 0 crore.
MATRI Profit & Loss
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 |
|---|
| Net Interest Income | 47.4 | 26.1 | 24.6 | 36.4 | 41.7 |
|---|
| Interest Income | 140 | 93.4 | 95.5 | 94.3 | 74.6 |
|---|
| Interest Expense | -92.4 | -67.3 | -70.9 | -57.9 | -32.9 |
|---|
| Net Fee and Commission Income | 13.6 | 4.9 | 6.5 | 5.1 | 10.2 |
|---|
| Fee and Commission Income | 13.6 | 4.9 | 6.5 | 5.1 | 10.2 |
|---|
| Fee and Commission Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Net Trading Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Other Operating Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Total Operating Income | 61.1 | 30.9 | 31.1 | 41.5 | 52.0 |
|---|
| Impairment Charge/(Reversal) | -53.1 | -5.5 | -2.9 | -12.5 | -4.1 |
|---|
| Net Operating Income | 8.0 | 25.4 | 28.2 | 29.0 | 47.9 |
|---|
| Operating Expenses | -56.6 | -28.6 | -27.9 | -27.9 | -26.8 |
|---|
| Operating Expense - Personnel Expenses | -44.2 | -22.2 | -21.5 | -22.0 | -20.6 |
|---|
| Other Operating Expenses | -8.9 | -4.2 | -4.3 | -3.6 | -5.0 |
|---|
| Depreciation & Amortisation | -3.5 | -2.2 | -2.2 | -2.3 | -1.2 |
|---|
| Operating Profit | -48.6 | -3.2 | 0.30 | 1.1 | 21.1 |
|---|
| Non-Operating Income/(Expense) | 1.2 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Non-Operating Income | 4.2 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Non-Operating Expense | -3.0 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Profit Before Income Tax | -47.3 | -3.2 | 0.30 | 1.1 | 21.1 |
|---|
| Income Tax Expense | -5.0 | 0.37 | 0.86 | -0.76 | -6.2 |
|---|
| Current Tax | -1.5 | -0.60 | -0.19 | -1.3 | -5.9 |
|---|
| Deferred Tax | -3.5 | 0.97 | 1.1 | 0.56 | -0.27 |
|---|
| Profit for the Year | -52.3 | -2.8 | 1.2 | 0.29 | 14.9 |
|---|
MATRI Balance Sheet
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 |
|---|
| Total Assets | 1,190 | 1,259 | 660 | 712 | 654 |
|---|
| Cash and Cash Equivalents | 2.8 | 4.2 | 2.3 | 20.0 | 51.3 |
|---|
| Due from Nepal Rastra Bank | 55.9 | 5.9 | 3.6 | 3.6 | 3.3 |
|---|
| Placement with Banks and FIs | 58.8 | 84.6 | 10.0 | 0.00 | 0.00 |
|---|
| 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 |
|---|
| Loans and Advances to Customers | 1,047 | 1,137 | 620 | 661 | 580 |
|---|
| Investment Securities | 0.10 | 0.10 | 0.10 | 0.10 | 0.10 |
|---|
| Current Tax Assets | 0.63 | 1.8 | 4.1 | 4.6 | 0.00 |
|---|
| Investment in Subsidiaries | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Investment in Associates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
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| Investment Property | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Property and Equipment | 19.0 | 21.8 | 11.6 | 13.3 | 9.6 |
|---|
| Goodwill and Intangible Assets | 0.12 | 0.17 | 0.09 | 0.18 | 0.31 |
|---|
| Deferred Tax Assets | 0.00 | 2.8 | 0.43 | 0.00 | 0.00 |
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| Other Assets | 5.1 | 1.0 | 7.8 | 9.2 | 9.0 |
|---|
| Total Liabilities | 1,127 | 1,144 | 592 | 644 | 588 |
|---|
| 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 |
|---|
| Deposits from Customers | 476 | 397 | 135 | 139 | 113 |
|---|
| Borrowings | 627 | 675 | 439 | 483 | 463 |
|---|
| Current Tax Liabilities | 0.00 | 0.00 | 0.00 | 0.00 | 1.0 |
|---|
| Provisions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Deferred Tax Liabilities | 0.79 | 0.00 | 0.00 | 0.63 | 1.3 |
|---|
| Other Liabilities | 23.9 | 72.5 | 18.4 | 21.7 | 9.2 |
|---|
| Debt Securities Issued | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Subordinated Liabilities | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Total Equity | 62.8 | 115 | 68.6 | 67.5 | 66.5 |
|---|
| Share Capital | 62.8 | 62.8 | 50.4 | 47.1 | 39.3 |
|---|
| Share Premium | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Retained Earnings | -61.6 | -5.3 | 1.7 | 4.0 | 11.7 |
|---|
| Reserves | 61.6 | 57.5 | 16.5 | 16.4 | 15.5 |
|---|
| Non Controlling Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
MATRI Cash Flow
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 |
|---|
| Net Cash Flow from Operating Activities (A) | 23.4 | 79.6 | -2.8 | 13.4 | 5.8 |
|---|
| Interest Received | 140 | 93.4 | 95.5 | 94.3 | 74.6 |
|---|
| Fees and Other Income Received | 13.6 | 4.9 | 6.5 | 5.1 | 10.2 |
|---|
| Dividend Received | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Receipts from Other Operating Activities | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Interest Paid | -92.4 | -66.8 | -70.9 | -57.9 | -32.9 |
|---|
| Commission and Fees Paid | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Cash Payment to Employees | -44.2 | -22.2 | -21.5 | -22.0 | -20.6 |
|---|
| Other Expense Paid | -8.9 | -4.2 | -4.3 | -3.6 | -5.0 |
|---|
| Operating Cash Flows Before Changes in Operating Assets and Liabilities | -47.3 | -0.59 | 3.2 | 3.7 | 22.1 |
|---|
| Due from Nepal Rastra Bank | 0.00 | 0.00 | 0.00 | 38.2 | -19.1 |
|---|
| Placement with Banks and Financial Institutions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Other Trading Assets | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Loan and Advances to Banks and Financial Institutions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Loan and Advances to Customers | 89.7 | -480 | 40.6 | -80.5 | -164 |
|---|
| Other Assets | -0.19 | 7.7 | 0.75 | -4.8 | -5.2 |
|---|
| Due to Banks and Financial Institutions | 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 |
|---|
| Deposit from Customers | 78.7 | 262 | -4.0 | 25.7 | 24.5 |
|---|
| Borrowings | -48.3 | 236 | -44.7 | 20.4 | 148 |
|---|
| Other Liabilities | -47.8 | 54.1 | 1.5 | 12.0 | 5.8 |
|---|
| Income Taxes Paid | -1.5 | -0.60 | -0.19 | -1.3 | -5.9 |
|---|
| Net Cash Flow from Investing Activities (B) | -0.68 | -0.85 | -4.8 | -6.3 | -0.47 |
|---|
| Purchase of Investment Securities | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Receipts from Sale of Investment Securities | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Purchase of Property and Equipment | -0.68 | -0.85 | -4.8 | -6.3 | -0.47 |
|---|
| Receipt from Sale of Property and Equipment | 0.00 | 0.00 | 0.04 | 0.00 | 0.00 |
|---|
| Purchase of Intangible Assets | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Receipt from Sale of Intangible Assets | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Purchase of Investment Properties | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Receipt from Sale of Investment Properties | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Interest Received | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Dividend Received | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Net Cash Flow from Financing Activities (C) | 0.06 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Receipt from Issue of Shares | 0.00 | Not reported | Not reported | Not reported | Not reported |
|---|
| Other Receipt/Payment | 0.06 | Not reported | Not reported | Not reported | Not reported |
|---|
| Net Increase/(Decrease) in Cash and Cash Equivalents | 22.8 | 78.7 | -7.6 | 7.2 | 5.4 |
|---|
| Cash and Cash Equivalents at Shrawan 01 (Beginning of the Year) | 94.7 | 15.9 | 23.6 | 16.4 | 11.0 |
|---|
| Effect of Exchange Rate Fluctuations on Cash and Cash Equivalents Held | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Cash and Cash Equivalents at Ashadh End | 117 | 94.7 | 15.9 | 23.6 | 16.4 |
|---|
MATRI Quarterly Results
Values in Rs. Crore unless stated otherwise.
| Particulars | Q3 2082/83 | Q2 2082/83 | Q1 2082/83 | Q3 2081/82 | Q1 2081/82 | Q4 2080/81 |
|---|
| Net Interest Income | 15.6 | 15.4 | 10.6 | 9.8 | 10.5 | 14.9 |
|---|
| Interest Income | 34.9 | 33.7 | 30.5 | 32.7 | 34.6 | 32.1 |
|---|
| Interest Expense | -19.4 | -18.3 | -19.9 | -23.0 | -24.1 | -17.3 |
|---|
| Net Fee and Commission Income | 3.2 | 3.0 | 2.4 | 0.09 | 0.08 | -0.07 |
|---|
| Fee and Commission Income | 3.2 | 3.0 | 2.4 | 0.13 | 0.12 | 0.01 |
|---|
| Fee and Commission Expense | -0.00 | -0.01 | -0.01 | -0.04 | -0.04 | -0.08 |
|---|
| Net Trading Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Other Operating Income | 0.02 | 0.10 | 0.00 | 2.5 | 2.4 | 1.6 |
|---|
| Total Operating Income | 18.8 | 18.5 | 12.9 | 12.4 | 13.0 | 16.4 |
|---|
| Impairment Charge/(Reversal) | 2.8 | 1.8 | -3.3 | 3.7 | -8.5 | 0.42 |
|---|
| Net Operating Income | 21.6 | 20.3 | 9.6 | 16.1 | 4.6 | 16.9 |
|---|
| Operating Expenses | -15.0 | -14.8 | -11.6 | -12.3 | -15.4 | -8.8 |
|---|
| Operating Expense - Personnel Expenses | -10.8 | -10.6 | -10.1 | -10.0 | -12.9 | -6.2 |
|---|
| Other Operating Expenses | -3.7 | -3.6 | -1.5 | -2.0 | -2.5 | -2.5 |
|---|
| Depreciation & Amortisation | -0.42 | -0.62 | 0.00 | -0.32 | 0.00 | 0.00 |
|---|
| Operating Profit | 6.6 | 5.5 | -2.0 | 3.8 | -10.8 | 8.1 |
|---|
| Non-Operating Income/(Expense) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Non-Operating Income | 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 |
|---|
| Profit Before Income Tax | 6.6 | 5.5 | -2.0 | 3.8 | -10.8 | 8.1 |
|---|
| Income Tax Expense | -2.0 | 0.00 | 0.00 | 0.00 | 0.00 | -2.4 |
|---|
| Current Tax | -2.0 | 0.00 | 0.00 | 0.00 | 0.00 | -2.4 |
|---|
| Deferred Tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Profit for the Year | 4.6 | 5.5 | -2.0 | 3.8 | -10.8 | 5.7 |
|---|
Matribhumi Lagubitta share price history
Over the last 15 trading sessions MATRI closed between Rs. 715.00 and Rs. 759.00, finishing at Rs. 748.00 on 2026-09-22 against Rs. 754.00 on 2026-08-26.
| Date | Open | High | Low | Close | Volume |
|---|
| 2026-09-22 | 740.00 | 762.20 | 740.00 | 748.00 | 572 |
|---|
| 2026-09-18 | 737.00 | 763.00 | 737.00 | 739.00 | 1,075 |
|---|
| 2026-09-17 | 740.10 | 760.00 | 737.30 | 759.00 | 1,298 |
|---|
| 2026-09-16 | 750.00 | 759.00 | 722.00 | 730.00 | 2,238 |
|---|
| 2026-09-15 | 750.00 | 773.00 | 750.00 | 758.00 | 1,086 |
|---|
| 2026-09-14 | 720.00 | 745.00 | 708.00 | 745.00 | 2,333 |
|---|
| 2026-09-11 | 720.00 | 728.70 | 711.10 | 725.00 | 259 |
|---|
| 2026-09-10 | 730.00 | 730.00 | 715.00 | 715.00 | 103 |
|---|
| 2026-09-09 | 725.00 | 729.00 | 709.40 | 725.00 | 216 |
|---|
| 2026-09-07 | 710.10 | 735.00 | 710.10 | 723.00 | 1,210 |
|---|
| 2026-09-03 | 706.60 | 720.00 | 706.60 | 716.20 | 269 |
|---|
| 2026-09-02 | 705.60 | 720.00 | 705.60 | 715.00 | 829 |
|---|
| 2026-09-01 | 730.00 | 730.00 | 720.00 | 720.00 | 83 |
|---|
| 2026-08-31 | 741.00 | 750.00 | 725.00 | 726.00 | 365 |
|---|
| 2026-08-26 | 770.00 | 770.00 | 753.10 | 754.00 | 159 |
|---|
MATRI share price by year
2026, between Rs. 705.60 and Rs. 1,048.50, 2025, between Rs. 930.10 and Rs. 1,464.80 and 2024, between Rs. 1,223.20 and Rs. 1,716.00.
| Year | Low (Rs.) | High (Rs.) | Sessions |
|---|
| 2026 | 705.60 | 1,048.50 | 168 |
|---|
| 2025 | 930.10 | 1,464.80 | 225 |
|---|
| 2024 | 1,223.20 | 1,716.00 | 84 |
|---|
Matribhumi Lagubitta share price returns
At Rs. 748.00 on 2026-09-22, MATRI is down 1.32% over 1 week, down 5.08% over 1 month, down 13.43% over 3 months, down 25.72% over 6 months and down 23.97% over 1 year. 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 | -1.32% | 758.00 | 2026-09-15 |
|---|
| 1 month | -5.08% | 788.00 | 2026-08-21 |
|---|
| 3 months | -13.43% | 864.00 | 2026-06-24 |
|---|
| 6 months | -25.72% | 1,007.00 | 2026-03-26 |
|---|
| 1 year | -23.97% | 983.80 | 2025-09-21 |
|---|
MATRI floorsheet for 2026-09-22
MATRI traded 18 times on 2026-09-22, moving 572 shares for Rs. 0.04 crore of turnover. Trades went through between Rs. 740.00 and Rs. 762.20.
Largest buyers by volume: broker 45, Imperial Securities Co. Limited on 289 shares across 3 trades, broker 1, Kumari Securities Pvt. Limited on 111 shares across 6 trades, broker 34, Vision Securities Pvt.Limited on 65 shares across 2 trades, broker 43, South Asian Bulls Pvt.Limited on 50 shares across 2 trades, broker 6, Agrawal Securities Pvt. Limited on 21 shares across 2 trades, broker 33, Dakshinkali Investment Securities Pvt.Limited on 15 shares across 1 trades, broker 58, Naasa Securities Co. Ltd. on 11 shares across 1 trades and broker 41, Linch Stock Market Limited on 10 shares across 1 trades.
Largest sellers by volume: broker 49, Online Securities Limited on 297 shares across 2 trades, broker 34, Vision Securities Pvt.Limited on 70 shares across 4 trades, broker 4, Stock Broker Opal Securities Investment Pvt. Limited on 50 shares across 2 trades, broker 28, Shree Krishna Securities Limited on 42 shares across 1 trades, broker 19, Nepal Investment & Securities Trading Pvt. Limited on 31 shares across 2 trades, broker 58, Naasa Securities Co. Ltd. on 18 shares across 1 trades, broker 50, Crystal Kanchenjunga Securities Pvt.Ltd on 11 shares across 1 trades, broker 74, Kalash Stock Market Pvt. Ltd. on 11 shares across 1 trades, broker 36, Secured Securities Limited on 11 shares across 1 trades and broker 13, Thrive Brokerage House Pvt. Limited on 11 shares across 1 trades.
MATRI dividend history: bonus shares and cash dividend
Matribhumi Lagubitta Bittiya Sanstha Limited most recently declared a 7% bonus share issue for 2078/2079, announced on 2023-03-22. 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 | 7% | | 2023-03-22 |
| 2077/2078 | 20% | | 2022-05-23 |
For 2078/2079 Matribhumi Lagubitta Bittiya Sanstha Limited declared a 7% bonus share issue, announced on 2023-03-22.
For 2077/2078 Matribhumi Lagubitta Bittiya Sanstha Limited declared a 20% bonus share issue, announced on 2022-05-23.
MATRI general meetings
Annual and special general meetings Matribhumi Lagubitta Bittiya Sanstha Limited has called. A dividend is declared by the board and approved at the AGM.
- 7th AGM for 2081/2082: on 2026-07-16, at Central office, Lamki, Kailali (10:00 AM)
- 6th AGM for 2080/2081: on 2025-04-15, at Hotel Amuprastha Banquet and Events, Budhanilkantha-7, Kathmandu (11:00 AM)
- 5th AGM for 2079/2080: on 2024-03-22
5 years of annual statements and 6 quarters of results for MATRI, with charts and peer comparison, are free on NepView.
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