Manushi Laghubitta Bittiya Sanstha Limited (MLBS) Share Price & Fundamentals
Manushi (MLBS) share price is Rs. 1,019.80, down 0.02% on 2026-09-22. Open Rs. 1,005.10. High Rs. 1,020.00. Low Rs. 1,001.00. Volume 195.
Manushi Laghubitta Bittiya Sanstha Limited is a NEPSE-listed company (MLBS), Microfinance sector. Revenue: Rs. 13.77 Crore. Net profit: Rs. 2.71 Crore. Net worth: Rs. 8.96 Crore.
About Manushi Laghubitta Bittiya Sanstha Limited
Manushi Laghubitta Bittya Sanstha Ltd is a "D" class national-level microfinance financial institution licensed by Nepal Rastra Bank, with its central office at Banepa-13, Bhaisepati, Kavrepalanchok. It operates 36 branch offices across 14 districts, mobilising member savings and lending for agriculture, trade, small and cottage industry and services.
The quarterly statements are headed "Condensed Consolidated", but the institution reports no subsidiary, no non-controlling interest and no investment in subsidiaries or associates anywhere in the file. Every figure is therefore an entity figure and is placed in the "Bank" column; the "Consolidated" columns are intentionally left blank.
SOURCE: MLBS.pdf, 9 pages. Pages 1-7 are quarterly/annual unaudited results, page 8 is the cover of the FY2079/80 audit report (no figures), page 9 is the FY2081/82 AUDITED annual report. Every page carries a genuine vector text layer, so no OCR was required and no figure was transcribed by eye. Read the "Notes & Audit" sheet before use - it records four published arithmetic inconsistencies.
Manushi Laghubitta Bittiya Sanstha Limited (MLBS) has 10,93,750 shares outstanding.
MLBS key metrics
MLBS strengths
What Manushi Laghubitta Bittiya Sanstha Limited's own accounts show in its favour, graded against the rest of its sector.
- Bad-loan charges come to -4.7% of income, so borrowers are paying back well. (Asset Quality)
- Makes 6% on its assets from the gap between what it charges borrowers and pays savers. (Margins & Income Quality)
- Income from lending grew 10.9% on last year, so the core business is expanding. (Growth)
- The bank grew 19.1% bigger over the year. (Shareholder Returns)
- 15.8% of income comes from fees and commissions, so it does not depend on lending alone. (Margins & Income Quality)
- 76.3% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
- Total income grew 14.9% on last year. (Growth)
MLBS 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 -39.2%, below what owners would hope for. (Profitability)
- Return on everything it owns is -2.2%, so its assets are not producing much. (Profitability)
- Only 5.6% of what it owns belongs to shareholders, so there is less cushion for losses. (Capital Strength)
- Owns 17.75x for every rupee shareholders put in. A high multiple magnifies losses as well as gains. (Capital Strength)
- Each share is backed by only Rs 81.89 of net worth. (Shareholder Returns)
- Only 73.1% of funding comes from deposits, so it relies on costlier borrowing. (Liquidity & Funding)
- Staff costs take 61.8% of income, a heavy load on earnings. (Efficiency)
- Operating margin is 28%, so running costs take too much of what core banking earns. (Profitability)
- 24.5% of funding is borrowed, which costs more and can dry up in a crisis. (Liquidity & Funding)
- Loans are 78.9% of what the bank owns, so most of its risk sits in lending. (Asset Quality)
- Each share produced Rs 24.77 over the year. (Shareholder Returns)
- Net profit margin is 19.7%, less than most lenders keep once every cost is paid. (Profitability)
- The loan book moved 5.8%, so lending is not expanding. (Growth)
- Deposits moved 11%, so its cheapest source of funding is not growing. (Growth)
- Only 7.9% of income comes from outside interest, so a change in rates hits hard. (Margins & Income Quality)
MLBS Q4 2082/83 results
In Q4 2082/83 Manushi Laghubitta Bittiya Sanstha Limited reported profit of Rs. 1.38 crore and total operating income of Rs. 3.23 crore. Profit in Q3 2082/83 was Rs. 0.43 crore. Profit grew 220.35% on the previous quarter. Total operating income fell 10.14% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was Rs. 0.37 crore. Profit grew 272.51% on the same quarter last year. Total operating income fell 10.69% on the same quarter last year.
MLBS annual results 2082/83
For the financial year 2082/83 Manushi Laghubitta Bittiya Sanstha Limited reported net profit of Rs. 2.71 crore, total operating income of Rs. 13.77 crore and net worth of Rs. 8.96 crore. Net profit in 2081/82 was a loss of Rs. 3.51 crore. Net profit turned from a loss to a profit on the year. Total operating income grew 14.89% on the year.
MLBS profit and loss for 2082/83
In the financial year 2082/83, Manushi Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 10.51 crore, net fee and commission income of Rs. 2.18 crore, net trading income of Rs. 0 crore, other operating income of Rs. 1.08 crore, total operating income of Rs. 13.77 crore, impairment charge/(reversal) of Rs. 0.64 crore, net operating income of Rs. 14.41 crore, operating expenses of Rs. 10.56 crore, operating profit of Rs. 3.85 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 3.85 crore, income tax expense of Rs. 1.14 crore and profit for the year of Rs. 2.71 crore.
Reported under net interest income: interest income of Rs. 21.58 crore and interest expense of Rs. 11.08 crore. Reported under net fee and commission income: fee and commission income of Rs. 2.18 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 8.51 crore, other operating expenses of Rs. 2.05 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. 1.16 crore and deferred tax of Rs. 0.01 crore.
MLBS profit and loss for 2081/82
In the financial year 2081/82, Manushi Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 9.48 crore, net fee and commission income of Rs. 1.79 crore, net trading income of Rs. 0.06 crore, other operating income of Rs. 0.78 crore, total operating income of Rs. 11.98 crore, impairment charge/(reversal) of Rs. 4.8 crore, net operating income of Rs. 7.19 crore, operating expenses of Rs. 10.28 crore, operating profit of Rs. 3.09 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 3.09 crore, income tax expense of Rs. 0.42 crore and profit for the year of Rs. 3.51 crore.
Reported under net interest income: interest income of Rs. 20.13 crore and interest expense of Rs. 10.66 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.79 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 7.64 crore, other operating expenses of Rs. 1.48 crore and depreciation & amortisation of Rs. 1.16 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. 0.48 crore and deferred tax of Rs. 0.06 crore.
MLBS profit and loss for 2080/81
In the financial year 2080/81, Manushi Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 8.46 crore, net fee and commission income of Rs. 1.86 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.65 crore, total operating income of Rs. 10.97 crore, impairment charge/(reversal) of Rs. 0.88 crore, net operating income of Rs. 10.08 crore, operating expenses of Rs. 10.32 crore, operating profit of Rs. 0.24 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 0.24 crore, income tax expense of Rs. 0.75 crore and profit for the year of Rs. 0.99 crore.
Reported under net interest income: interest income of Rs. 19.64 crore and interest expense of Rs. 11.18 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.86 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 7.95 crore, other operating expenses of Rs. 1.3 crore and depreciation & amortisation of Rs. 1.06 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. 0.8 crore and deferred tax of Rs. 0.05 crore.
MLBS balance sheet for 2081/82
In the financial year 2081/82, Manushi Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 158.99 crore, total liabilities of Rs. 150.03 crore and total equity of Rs. 8.96 crore.
Reported under total assets: cash and cash equivalents of Rs. 29.9 crore, due from nepal rastra bank of Rs. 0.9 crore, loans and advances to customers of Rs. 125.52 crore, investment securities of Rs. 0.21 crore, current tax assets of Rs. 0.35 crore, property and equipment of Rs. 1.06 crore, goodwill and intangible assets of Rs. 0.03 crore, deferred tax assets of Rs. 0.61 crore and other assets of Rs. 0.42 crore. Reported under total liabilities: deposits from customers of Rs. 109.62 crore, borrowings of Rs. 36.72 crore, current tax liabilities of Rs. 0.46 crore and other liabilities of Rs. 3.23 crore. Reported under total equity: share capital of Rs. 10.94 crore, retained earnings of Rs. 6.52 crore and reserves of Rs. 4.53 crore.
MLBS balance sheet for 2080/81
In the financial year 2080/81, Manushi Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 133.5 crore, total liabilities of Rs. 120.52 crore and total equity of Rs. 12.98 crore.
Reported under total assets: cash and cash equivalents of Rs. 11.79 crore, due from nepal rastra bank of Rs. 0.9 crore, loans and advances to customers of Rs. 118.59 crore, investment securities of Rs. 0 crore, current tax assets of Rs. 0.22 crore, property and equipment of Rs. 1.18 crore, goodwill and intangible assets of Rs. 0.04 crore, deferred tax assets of Rs. 0.42 crore and other assets of Rs. 0.36 crore. Reported under total liabilities: deposits from customers of Rs. 98.79 crore, borrowings of Rs. 18.32 crore, current tax liabilities of Rs. 0.37 crore and other liabilities of Rs. 3.04 crore. Reported under total equity: share capital of Rs. 10.94 crore, retained earnings of Rs. 2.19 crore and reserves of Rs. 4.23 crore.
MLBS balance sheet for 2079/80
In the financial year 2079/80, Manushi Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 146.14 crore, total liabilities of Rs. 132.27 crore and total equity of Rs. 13.87 crore.
Reported under total assets: cash and cash equivalents of Rs. 19.45 crore, due from nepal rastra bank of Rs. 0.9 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. 123.13 crore, investment securities of Rs. 0 crore, current tax assets of Rs. 0.7 crore, investment property of Rs. 0 crore, property and equipment of Rs. 1.15 crore, goodwill and intangible assets of Rs. 0.05 crore, deferred tax assets of Rs. 0.37 crore and other assets of Rs. 0.4 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. 88.86 crore, borrowings of Rs. 39.83 crore, current tax liabilities of Rs. 0.1 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 3.49 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 10.94 crore, share premium of Rs. 0 crore, retained earnings of Rs. 1.3 crore and reserves of Rs. 4.23 crore.
MLBS cash flow for 2081/82
In the financial year 2081/82, Manushi Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 19.56 crore, net cash flow from investing activities (b) of Rs. 1.23 crore, net cash flow from financing activities (c) of Rs. 0.22 crore, net increase/(decrease) in cash and cash equivalents of Rs. 18.11 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 12.69 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. 30.8 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 19.85 crore, fees and other income received of Rs. 1.79 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0.78 crore, interest paid of Rs. 10.66 crore, commission and fees paid of Rs. 0 crore, cash payment to employees of Rs. 7.64 crore, other expense paid of Rs. 1.53 crore, operating cash flows before changes in operating assets and liabilities of Rs. 2.58 crore, loan and advances to customers of Rs. 11.43 crore, other assets of Rs. 0.06 crore, deposit from customers of Rs. 10.84 crore, borrowings of Rs. 18.4 crore, other liabilities of Rs. 0.24 crore, net cash flow from operating activities before tax paid of Rs. 20.08 crore and income taxes paid of Rs. 0.52 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 0.2 crore, purchase of property and equipment of Rs. 1.03 crore and purchase of intangible assets of Rs. 0 crore. Reported under net cash flow from financing activities (c): other receipt/payment of Rs. 0.22 crore.
MLBS cash flow for 2080/81
In the financial year 2080/81, Manushi Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 6.54 crore, net cash flow from investing activities (b) of Rs. 1.09 crore, net cash flow from financing activities (c) of Rs. 0.03 crore, net increase/(decrease) in cash and cash equivalents of Rs. 7.66 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 20.35 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. 12.69 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 19.82 crore, fees and other income received of Rs. 1.86 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0.65 crore, interest paid of Rs. 11.18 crore, commission and fees paid of Rs. 0 crore, cash payment to employees of Rs. 7.67 crore, other expense paid of Rs. 1.3 crore, operating cash flows before changes in operating assets and liabilities of Rs. 2.17 crore, loan and advances to customers of Rs. 3.47 crore, other assets of Rs. 0.52 crore, deposit from customers of Rs. 9.93 crore, borrowings of Rs. 21.5 crore, other liabilities of Rs. 0.61 crore, net cash flow from operating activities before tax paid of Rs. 6.02 crore and income taxes paid of Rs. 0.53 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. 1.08 crore and purchase of intangible assets of Rs. 0.01 crore. Reported under net cash flow from financing activities (c): other receipt/payment of Rs. 0.03 crore.
MLBS cash flow for 2079/80
In the financial year 2079/80, Manushi Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 15.31 crore, net cash flow from investing activities (b) of Rs. 0.75 crore, net cash flow from financing activities (c) of Rs. 0.1 crore, net increase/(decrease) in cash and cash equivalents of Rs. 14.46 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 5.89 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. 20.35 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 22.32 crore, fees and other income received of Rs. 2.46 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0.01 crore, interest paid of Rs. 13.5 crore, commission and fees paid of Rs. 0 crore, cash payment to employees of Rs. 8.58 crore, other expense paid of Rs. 1.46 crore, operating cash flows before changes in operating assets and liabilities of Rs. 1.25 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. 23.8 crore, other assets of Rs. 0.33 crore, due to banks and financial institutions of Rs. 20.48 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 11.18 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 0.05 crore, net cash flow from operating activities before tax paid of Rs. 16.03 crore and income taxes paid of Rs. 0.72 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. 0.75 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 debt securities of Rs. 0 crore, repayment of debt securities of Rs. 0 crore, receipt from issue of subordinated liabilities of Rs. 0 crore, repayment of subordinated liabilities of Rs. 0 crore, receipt from issue of shares of Rs. 0 crore, dividends paid of Rs. 0 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 0.1 crore.
MLBS quarterly for Q4 2082/83
In the quarter Q4 2082/83, Manushi Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 2.52 crore, net fee and commission income of Rs. 0.49 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.22 crore, total operating income of Rs. 3.23 crore, impairment charge/(reversal) of Rs. 1.71 crore, net operating income of Rs. 4.93 crore, operating expenses of Rs. 2.96 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. 0.59 crore and profit for the year of Rs. 1.38 crore.
Reported under net interest income: interest income of Rs. 5.44 crore and interest expense of Rs. 2.92 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.49 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 2.23 crore, other operating expenses of Rs. 0.73 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. 0.59 crore and deferred tax of Rs. 0 crore.
MLBS quarterly for Q3 2082/83
In the quarter Q3 2082/83, Manushi Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 2.75 crore, net fee and commission income of Rs. 0.55 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.29 crore, total operating income of Rs. 3.59 crore, impairment charge/(reversal) of Rs. 0.3 crore, net operating income of Rs. 3.29 crore, operating expenses of Rs. 2.67 crore, operating profit of Rs. 0.62 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 0.62 crore, income tax expense of Rs. 0.19 crore and profit for the year of Rs. 0.43 crore.
Reported under net interest income: interest income of Rs. 5.47 crore and interest expense of Rs. 2.72 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.55 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 2.29 crore, other operating expenses of Rs. 0.38 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. 0.19 crore and deferred tax of Rs. 0 crore.
MLBS quarterly for Q2 2082/83
In the quarter Q2 2082/83, Manushi Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 2.79 crore, net fee and commission income of Rs. 0.55 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.24 crore, total operating income of Rs. 3.58 crore, impairment charge/(reversal) of Rs. 0.36 crore, net operating income of Rs. 3.22 crore, operating expenses of Rs. 2.57 crore, operating profit of Rs. 0.65 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 0.65 crore, income tax expense of Rs. 0.18 crore and profit for the year of Rs. 0.47 crore.
Reported under net interest income: interest income of Rs. 5.45 crore and interest expense of Rs. 2.66 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.55 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 2.05 crore, other operating expenses of Rs. 0.52 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. 0.2 crore and deferred tax of Rs. 0.01 crore.
MLBS quarterly for Q1 2082/83
In the quarter Q1 2082/83, Manushi Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 2.44 crore, net fee and commission income of Rs. 0.59 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.34 crore, total operating income of Rs. 3.37 crore, impairment charge/(reversal) of Rs. 0.4 crore, net operating income of Rs. 2.96 crore, operating expenses of Rs. 2.35 crore, operating profit of Rs. 0.61 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 0.61 crore, income tax expense of Rs. 0.18 crore and profit for the year of Rs. 0.43 crore.
Reported under net interest income: interest income of Rs. 5.22 crore and interest expense of Rs. 2.78 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.59 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 1.93 crore, other operating expenses of Rs. 0.42 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. 0.18 crore and deferred tax of Rs. 0 crore.
MLBS Profit & Loss
Values in Rs. Crore unless stated otherwise.
| Particulars | 2082/83 | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 |
|---|
| Net Interest Income | 10.5 | 9.5 | 8.5 | 8.9 | 9.8 | 7.5 |
|---|
| Interest Income | 21.6 | 20.1 | 19.6 | 22.4 | 20.6 | 14.0 |
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| Interest Expense | -11.1 | -10.7 | -11.2 | -13.5 | -10.8 | -6.5 |
|---|
| Net Fee and Commission Income | 2.2 | 1.8 | 1.9 | 2.1 | 2.7 | 2.0 |
|---|
| Fee and Commission Income | 2.2 | 1.8 | 1.9 | 2.1 | 2.7 | 2.0 |
|---|
| Fee and Commission Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -0.00 |
|---|
| Net Trading Income | 0.00 | -0.06 | 0.00 | 0.00 | 0.07 | -0.04 |
|---|
| Other Operating Income | 1.1 | 0.78 | 0.65 | 0.42 | 0.04 | 0.02 |
|---|
| Total Operating Income | 13.8 | 12.0 | 11.0 | 11.4 | 12.6 | 9.5 |
|---|
| Impairment Charge/(Reversal) | 0.64 | -4.8 | -0.88 | -5.0 | -1.1 | -0.91 |
|---|
| Net Operating Income | 14.4 | 7.2 | 10.1 | 6.4 | 11.5 | 8.6 |
|---|
| Operating Expenses | -10.6 | -10.3 | -10.3 | -10.5 | -9.1 | -7.2 |
|---|
| Operating Expense - Personnel Expenses | -8.5 | -7.6 | -8.0 | -8.1 | -6.5 | -5.5 |
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| Other Operating Expenses | -2.1 | -1.5 | -1.3 | -1.5 | -1.8 | -0.93 |
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| Depreciation & Amortisation | 0.00 | -1.2 | -1.1 | -0.94 | -0.83 | -0.71 |
|---|
| Operating Profit | 3.9 | -3.1 | -0.24 | -4.1 | 2.4 | 1.4 |
|---|
| 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 | 3.9 | -3.1 | -0.24 | -4.1 | 2.4 | 1.4 |
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| Income Tax Expense | -1.1 | -0.42 | -0.75 | -0.09 | -0.69 | -0.40 |
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| Current Tax | -1.2 | -0.48 | -0.80 | -0.10 | -0.72 | -0.53 |
|---|
| Deferred Tax | 0.01 | 0.06 | 0.05 | 0.00 | 0.03 | 0.13 |
|---|
| Profit for the Year | 2.7 | -3.5 | -0.99 | -4.2 | 1.7 | 1.0 |
|---|
MLBS Balance Sheet
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 |
|---|
| Total Assets | 159 | 134 | 146 | 161 | 119 |
|---|
| Cash and Cash Equivalents | 29.9 | 11.8 | 19.4 | 5.2 | 12.3 |
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| Due from Nepal Rastra Bank | 0.90 | 0.90 | 0.90 | 0.70 | 0.50 |
|---|
| Placement with Banks and FIs | Not reported | Not reported | 0.00 | 0.00 | 0.00 |
|---|
| Derivative Financial Instruments | Not reported | Not reported | 0.00 | 0.00 | 0.00 |
|---|
| Other Trading Assets | Not reported | Not reported | 0.00 | 0.00 | 0.00 |
|---|
| Loans and Advances to Banks and FIs | Not reported | Not reported | 0.00 | 0.00 | 0.00 |
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| Loans and Advances to Customers | 126 | 119 | 123 | 152 | 104 |
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| Investment Securities | 0.21 | 0.00 | 0.00 | 0.00 | 0.00 |
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| Current Tax Assets | 0.35 | 0.22 | 0.70 | 1.2 | 0.95 |
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| Investment Property | Not reported | Not reported | 0.00 | 0.00 | 0.00 |
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| Property and Equipment | 1.1 | 1.2 | 1.1 | 0.59 | 0.53 |
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| Goodwill and Intangible Assets | 0.03 | 0.04 | 0.05 | 0.83 | 0.67 |
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| Deferred Tax Assets | 0.61 | 0.42 | 0.37 | 0.10 | 0.07 |
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| Other Assets | 0.42 | 0.36 | 0.40 | 0.26 | 0.22 |
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| Total Liabilities | 150 | 121 | 132 | 143 | 106 |
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| Due to Banks and FIs | Not reported | Not reported | 0.00 | 59.3 | 37.1 |
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| Due to Nepal Rastra Bank | Not reported | Not reported | 0.00 | 0.00 | 0.00 |
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| Derivative Financial Instruments | Not reported | Not reported | 0.00 | 0.00 | 0.00 |
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| Deposits from Customers | 110 | 98.8 | 88.9 | 77.7 | 64.8 |
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| Borrowings | 36.7 | 18.3 | 39.8 | 1.0 | 1.1 |
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| Current Tax Liabilities | 0.46 | 0.37 | 0.10 | 0.72 | 0.53 |
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| Provisions | Not reported | Not reported | 0.00 | 0.00 | 0.00 |
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| Deferred Tax Liabilities | Not reported | Not reported | 0.00 | 0.00 | 0.00 |
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| Other Liabilities | 3.2 | 3.0 | 3.5 | 4.3 | 2.9 |
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| Debt Securities Issued | Not reported | Not reported | 0.00 | 0.00 | 0.00 |
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| Subordinated Liabilities | Not reported | Not reported | 0.00 | 0.00 | 0.00 |
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| Total Equity | 9.0 | 13.0 | 13.9 | 17.7 | 12.7 |
|---|
| Share Capital | 10.9 | 10.9 | 10.9 | 10.9 | 7.0 |
|---|
| Share Premium | Not reported | Not reported | 0.00 | 0.00 | 0.00 |
|---|
| Retained Earnings | -6.5 | -2.2 | -1.3 | 2.9 | 1.9 |
|---|
| Reserves | 4.5 | 4.2 | 4.2 | 3.8 | 3.8 |
|---|
MLBS 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) | 19.6 | -6.5 | 15.3 | -31.2 | -10.9 |
|---|
| Interest Received | 19.8 | 19.8 | 22.3 | 20.4 | 14.3 |
|---|
| Fees and Other Income Received | 1.8 | 1.9 | 2.5 | 2.7 | 2.0 |
|---|
| Dividend Received | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Receipts from Other Operating Activities | 0.78 | 0.65 | 0.01 | 0.11 | -0.02 |
|---|
| Interest Paid | -10.7 | -11.2 | -13.5 | -10.8 | -6.5 |
|---|
| Commission and Fees Paid | 0.00 | 0.00 | 0.00 | 0.00 | -0.00 |
|---|
| Cash Payment to Employees | -7.6 | -7.7 | -8.6 | -6.4 | -5.4 |
|---|
| Other Expense Paid | -1.5 | -1.3 | -1.5 | -1.8 | -0.93 |
|---|
| Operating Cash Flows Before Changes in Operating Assets and Liabilities | 2.6 | 2.2 | 1.3 | 4.1 | 3.5 |
|---|
| Due from Nepal Rastra Bank | Not reported | Not reported | 0.00 | 0.00 | 0.00 |
|---|
| Placement with Banks and Financial Institutions | Not reported | Not reported | 0.00 | 0.00 | 0.00 |
|---|
| Other Trading Assets | Not reported | Not reported | 0.00 | 0.00 | 0.00 |
|---|
| Loan and Advances to Banks and Financial Institutions | Not reported | Not reported | 0.00 | 0.00 | 0.00 |
|---|
| Loan and Advances to Customers | -11.4 | 3.5 | 23.8 | -48.9 | -23.3 |
|---|
| Other Assets | -0.06 | 0.52 | 0.33 | -0.26 | -0.66 |
|---|
| Due to Banks and Financial Institutions | Not reported | Not reported | -20.5 | 0.00 | 0.00 |
|---|
| Due to Nepal Rastra Bank | Not reported | Not reported | 0.00 | 0.00 | 0.00 |
|---|
| Deposit from Customers | 10.8 | 9.9 | 11.2 | 12.9 | 9.5 |
|---|
| Borrowings | 18.4 | -21.5 | 0.00 | 0.00 | 0.00 |
|---|
| Other Liabilities | -0.24 | -0.61 | -0.05 | 1.4 | -0.01 |
|---|
| Net Cash Flow from Operating Activities Before Tax Paid | 20.1 | -6.0 | 16.0 | -30.7 | -10.9 |
|---|
| Income Taxes Paid | -0.52 | -0.53 | -0.72 | -0.53 | 0.00 |
|---|
| Net Cash Flow from Investing Activities (B) | -1.2 | -1.1 | -0.75 | -1.1 | -0.57 |
|---|
| Purchase of Investment Securities | -0.20 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Receipts from Sale of Investment Securities | Not reported | Not reported | 0.00 | 0.00 | 0.00 |
|---|
| Purchase of Property and Equipment | -1.0 | -1.1 | -0.75 | -0.21 | -0.11 |
|---|
| Receipt from Sale of Property and Equipment | Not reported | Not reported | 0.00 | 0.00 | 0.00 |
|---|
| Purchase of Intangible Assets | 0.00 | -0.01 | -0.00 | -0.85 | -0.46 |
|---|
| Receipt from Sale of Intangible Assets | Not reported | Not reported | 0.00 | 0.00 | 0.00 |
|---|
| Purchase of Investment Properties | Not reported | Not reported | 0.00 | 0.00 | 0.00 |
|---|
| Receipt from Sale of Investment Properties | Not reported | Not reported | 0.00 | 0.00 | 0.00 |
|---|
| Interest Received | Not reported | Not reported | 0.00 | 0.00 | 0.00 |
|---|
| Dividend Received | Not reported | Not reported | 0.00 | 0.00 | 0.00 |
|---|
| Net Cash Flow from Financing Activities (C) | -0.22 | -0.03 | -0.10 | 25.4 | 12.8 |
|---|
| Receipt from Issue of Debt Securities | Not reported | Not reported | 0.00 | 22.1 | 12.5 |
|---|
| Repayment of Debt Securities | Not reported | Not reported | 0.00 | 0.00 | 0.00 |
|---|
| Receipt from Issue of Subordinated Liabilities | Not reported | Not reported | 0.00 | 0.00 | 0.00 |
|---|
| Repayment of Subordinated Liabilities | Not reported | Not reported | 0.00 | 0.00 | 0.00 |
|---|
| Receipt from Issue of Shares | Not reported | Not reported | 0.00 | 3.9 | 0.00 |
|---|
| Dividends Paid | Not reported | Not reported | 0.00 | 0.00 | 0.00 |
|---|
| Interest Paid | Not reported | Not reported | 0.00 | 0.00 | 0.00 |
|---|
| Other Receipt/Payment | -0.22 | -0.03 | -0.10 | -0.67 | 0.33 |
|---|
| Net Increase/(Decrease) in Cash and Cash Equivalents | 18.1 | -7.7 | 14.5 | -6.9 | 1.4 |
|---|
| Cash and Cash Equivalents at Shrawan 01 (Beginning of the Year) | 12.7 | 20.3 | 5.9 | 12.8 | 11.4 |
|---|
| 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 | 30.8 | 12.7 | 20.3 | 5.9 | 12.8 |
|---|
MLBS Quarterly Results
Values in Rs. Crore unless stated otherwise.
| Particulars | Q4 2082/83 | Q3 2082/83 | Q2 2082/83 | Q1 2082/83 | Q4 2081/82 | Q3 2081/82 | Q2 2081/82 | Q1 2081/82 | Q4 2080/81 |
|---|
| Net Interest Income | 2.5 | 2.8 | 2.8 | 2.4 | 2.9 | 2.0 | 2.5 | 2.6 | 3.1 |
|---|
| Interest Income | 5.4 | 5.5 | 5.5 | 5.2 | 5.7 | 4.6 | 5.0 | 5.2 | 5.9 |
|---|
| Interest Expense | -2.9 | -2.7 | -2.7 | -2.8 | -2.8 | -2.6 | -2.5 | -2.6 | -2.8 |
|---|
| Net Fee and Commission Income | 0.49 | 0.55 | 0.55 | 0.59 | 0.38 | 0.44 | 0.34 | 0.42 | 0.05 |
|---|
| Fee and Commission Income | 0.49 | 0.55 | 0.55 | 0.59 | 0.38 | 0.44 | 0.34 | 0.42 | 0.05 |
|---|
| Fee and Commission Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -0.00 |
|---|
| Net Trading Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Other Operating Income | 0.22 | 0.29 | 0.24 | 0.34 | 0.30 | 0.21 | 0.15 | 0.08 | 0.64 |
|---|
| Total Operating Income | 3.2 | 3.6 | 3.6 | 3.4 | 3.6 | 2.6 | 3.0 | 3.1 | 3.8 |
|---|
| Impairment Charge/(Reversal) | 1.7 | -0.30 | -0.36 | -0.40 | -0.28 | 1.5 | -0.61 | -1.0 | 2.4 |
|---|
| Net Operating Income | 4.9 | 3.3 | 3.2 | 3.0 | 3.3 | 4.1 | 2.4 | 2.1 | 6.1 |
|---|
| Operating Expenses | -3.0 | -2.7 | -2.6 | -2.4 | -2.8 | -3.0 | -1.7 | -2.7 | -2.7 |
|---|
| Operating Expense - Personnel Expenses | -2.2 | -2.3 | -2.1 | -1.9 | -1.9 | -2.5 | -1.3 | -2.2 | -2.2 |
|---|
| Other Operating Expenses | -0.73 | -0.38 | -0.52 | -0.42 | -0.81 | -0.46 | -0.39 | -0.49 | -0.47 |
|---|
| Depreciation & Amortisation | 0.00 | 0.00 | 0.00 | 0.00 | -0.14 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Operating Profit | 2.0 | 0.62 | 0.65 | 0.61 | 0.53 | 1.2 | 0.70 | -0.56 | 3.5 |
|---|
| Non-Operating Income/(Expense) | 0.00 | 0.00 | 0.00 | 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 | 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 |
|---|
| Profit Before Income Tax | 2.0 | 0.62 | 0.65 | 0.61 | 0.53 | 1.2 | 0.70 | -0.56 | 3.5 |
|---|
| Income Tax Expense | -0.59 | -0.19 | -0.18 | -0.18 | -0.16 | -0.36 | -0.04 | 0.00 | -0.83 |
|---|
| Current Tax | -0.59 | -0.19 | -0.20 | -0.18 | -0.16 | -0.36 | -0.04 | 0.00 | -0.80 |
|---|
| Deferred Tax | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -0.04 |
|---|
| Profit for the Year | 1.4 | 0.43 | 0.47 | 0.43 | 0.37 | 0.83 | 0.66 | -0.56 | 2.6 |
|---|
Manushi share price history
Over the last 15 trading sessions MLBS closed between Rs. 981.00 and Rs. 1,066.00, finishing at Rs. 1,019.80 on 2026-09-22 against Rs. 1,029.00 on 2026-08-26.
| Date | Open | High | Low | Close | Volume |
|---|
| 2026-09-22 | 1,005.10 | 1,020.00 | 1,001.00 | 1,019.80 | 195 |
|---|
| 2026-09-18 | 1,055.00 | 1,055.00 | 1,015.00 | 1,020.00 | 50 |
|---|
| 2026-09-17 | 1,000.00 | 1,035.10 | 1,000.00 | 1,035.10 | 128 |
|---|
| 2026-09-16 | 1,040.00 | 1,040.00 | 1,020.00 | 1,020.00 | 258 |
|---|
| 2026-09-15 | 1,069.00 | 1,069.00 | 1,005.10 | 1,066.00 | 1,587 |
|---|
| 2026-09-14 | 1,000.00 | 1,019.00 | 995.00 | 1,019.00 | 989 |
|---|
| 2026-09-11 | 1,000.00 | 1,000.00 | 999.00 | 1,000.00 | 68 |
|---|
| 2026-09-10 | 998.00 | 1,000.00 | 998.00 | 1,000.00 | 20 |
|---|
| 2026-09-09 | 967.00 | 1,000.00 | 967.00 | 998.00 | 230 |
|---|
| 2026-09-07 | 980.00 | 981.00 | 980.00 | 981.00 | 100 |
|---|
| 2026-09-03 | 995.00 | 1,008.00 | 995.00 | 995.00 | 603 |
|---|
| 2026-09-02 | 1,005.00 | 1,025.00 | 967.30 | 994.30 | 449 |
|---|
| 2026-09-01 | 1,000.00 | 1,030.00 | 999.10 | 1,028.00 | 142 |
|---|
| 2026-08-31 | 990.00 | 1,010.00 | 985.00 | 1,000.00 | 140 |
|---|
| 2026-08-26 | 1,050.60 | 1,050.60 | 1,000.00 | 1,029.00 | 130 |
|---|
MLBS share price by year
2026, between Rs. 967.00 and Rs. 1,581.00, 2025, between Rs. 1,395.00 and Rs. 2,400.00, 2024, between Rs. 620.00 and Rs. 2,530.00, 2023, between Rs. 570.10 and Rs. 1,256.00, 2022, between Rs. 872.00 and Rs. 1,695.00 and 2021, between Rs. 397.50 and Rs. 2,189.10.
| Year | Low (Rs.) | High (Rs.) | Sessions |
|---|
| 2026 | 967.00 | 1,581.00 | 167 |
|---|
| 2025 | 1,395.00 | 2,400.00 | 225 |
|---|
| 2024 | 620.00 | 2,530.00 | 232 |
|---|
| 2023 | 570.10 | 1,256.00 | 225 |
|---|
| 2022 | 872.00 | 1,695.00 | 242 |
|---|
| 2021 | 397.50 | 2,189.10 | 49 |
|---|
Manushi share price returns
At Rs. 1,019.80 on 2026-09-22, MLBS is down 4.33% over 1 week, down 4.69% over 1 month, down 14.80% over 3 months, down 33.61% over 6 months and down 33.67% 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 | -4.33% | 1,066.00 | 2026-09-15 |
|---|
| 1 month | -4.69% | 1,070.00 | 2026-08-21 |
|---|
| 3 months | -14.80% | 1,197.00 | 2026-06-24 |
|---|
| 6 months | -33.61% | 1,536.00 | 2026-03-26 |
|---|
| 1 year | -33.67% | 1,537.57 | 2025-09-21 |
|---|
MLBS floorsheet for 2026-09-22
MLBS traded 8 times on 2026-09-22, moving 195 shares for Rs. 0.02 crore of turnover. Trades went through between Rs. 1,001.00 and Rs. 1,020.00.
Largest buyers by volume: broker 42, Sani Securities Company Limited on 100 shares across 3 trades, broker 29, Trishul Securities And Investment Limited on 45 shares across 1 trades, broker 58, Naasa Securities Co. Ltd. on 30 shares across 2 trades, broker 46, Kalika Securities Pvt.Limited on 10 shares across 1 trades and broker 56, Sri Hari Securities Pvt.Ltd on 10 shares across 1 trades.
Largest sellers by volume: broker 35, Kohinoor Investment and Securities Pvt.Ltd on 80 shares across 2 trades, broker 32, Premier Securites Company Limited on 55 shares across 2 trades, broker 49, Online Securities Limited on 30 shares across 2 trades, broker 45, Imperial Securities Co. Limited on 20 shares across 1 trades and broker 11, Malla & Malla Stock Broking Company Pvt. Limited on 10 shares across 1 trades.
MLBS general meetings
Annual and special general meetings Manushi Laghubitta Bittiya Sanstha Limited has called. A dividend is declared by the board and approved at the AGM.
- 4th SGM for 2083/2084: on 2026-08-30, at Hotel View Bhaktapur, Bachamari, Jagati, Bhaktapur (10:30 AM)
- 7th AGM for 2081/2082: on 2026-06-27, at Hotel Ugrachandi, Banepa Municipality Ward No.7, Kavrepalanchowk (10:30 AM)
- 6th AGM for 2080/2081: on 2025-03-23, at Hotel View Bhaktapur, Jagati, Bhaktapur (10:30 AM)
6 years of annual statements and 9 quarters of results for MLBS, with charts and peer comparison, are free on NepView.
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