Mahila Lagubitta Bittiya Sanstha Limited (MLBSL) Share Price & Fundamentals
Mahila Lagubitta (MLBSL) share price is Rs. 1,126.00, down 0.62% on 2026-09-22. Open Rs. 1,134.00. High Rs. 1,135.10. Low Rs. 1,126.00. Volume 1,026.
Mahila Lagubitta Bittiya Sanstha Limited is a NEPSE-listed company (MLBSL), Microfinance sector. Revenue: Rs. 58.52 Crore. Net profit: Rs. 8.25 Crore. Net worth: Rs. 43.82 Crore.
About Mahila Lagubitta Bittiya Sanstha Limited
Mahila Laghubitta Bittiya Sanstha Ltd is a "D" class national-level microfinance financial institution licensed by Nepal Rastra Bank, with its central office at Banepa N.P.-13, Sanga, Kavre. It provides microfinance services for agriculture, livestock, services and micro-enterprise, and mobilises member savings.
No subsidiary, associate or non-controlling interest appears anywhere in the file, and the audited statements are headed simply "Statement of Financial Position". Every figure is an entity figure and is placed in the "Bank" column; the "Consolidated" columns are intentionally left blank.
SOURCE: MLBSL.pdf, 17 pages. Pages 1-8 are quarterly unaudited results (three of them image-only scans), pages 15-17 are the FY2080/81 AUDITED annual report which prints FY2079/80 alongside as a full comparative. Pages 9-14 are older annual reports that are not recoverable - see Notes & Audit item 4. Read the "Notes & Audit" sheet before use.
Mahila Lagubitta Bittiya Sanstha Limited (MLBSL) has 21,75,625 shares outstanding.
MLBSL key metrics
MLBSL strengths
What Mahila Lagubitta Bittiya Sanstha Limited's own accounts show in its favour, graded against the rest of its sector.
- Income from lending grew 67% on last year, so the core business is expanding. (Growth)
- 85.5% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
- Total income grew 58.4% on last year. (Growth)
- Makes 4.3% on its assets from the gap between what it charges borrowers and pays savers. (Margins & Income Quality)
- Each share earned Rs 37.91 of profit over the year. (Shareholder Returns)
- 14.5% of income comes from fees and commissions, so it does not depend on lending alone. (Margins & Income Quality)
- The loan book grew 16.1% on last year, so more money is being put to work. (Growth)
- Each share is backed by Rs 201.43 of the bank's own net worth. (Shareholder Returns)
- The bank grew 15.4% bigger over the year. (Shareholder Returns)
MLBSL weaknesses
What the same accounts show against it. Both lists are computed from the filed figures, not opinion, and are not advice.
- 34.9% of income is lost to loans going bad, which eats directly into profit. (Asset Quality)
- Only 33.9% of funding comes from deposits, so it relies on costlier borrowing. (Liquidity & Funding)
- Return on everything it owns is 0.9%, so its assets are not producing much. (Profitability)
- Profit moved -2% on last year, so earnings are not building up. (Growth)
- Net profit margin is 14.1%, less than most lenders keep once every cost is paid. (Profitability)
- Staff costs take 37.6% of income, a heavy load on earnings. (Efficiency)
- Loans are 96.3% of what the bank owns, so most of its risk sits in lending. (Asset Quality)
- Operating margin is 20.1%, so running costs take too much of what core banking earns. (Profitability)
- Return on shareholders' money is 11%, below what owners would hope for. (Profitability)
- 63.8% of funding is borrowed, which costs more and can dry up in a crisis. (Liquidity & Funding)
- Only 8.6% of what it owns belongs to shareholders, so there is less cushion for losses. (Capital Strength)
- Owns 11.6x for every rupee shareholders put in. A high multiple magnifies losses as well as gains. (Capital Strength)
- Deposits moved 10.1%, so its cheapest source of funding is not growing. (Growth)
MLBSL Q4 2082/83 results
In Q4 2082/83 Mahila Lagubitta Bittiya Sanstha Limited reported profit of Rs. 2.74 crore and total operating income of Rs. 24.39 crore. Profit in Q3 2082/83 was Rs. 1.91 crore. Profit grew 43.63% on the previous quarter. Total operating income grew 63.51% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was a loss of Rs. 2.26 crore. Profit turned from a loss to a profit on the same quarter last year.
MLBSL annual results 2082/83
For the financial year 2082/83 Mahila Lagubitta Bittiya Sanstha Limited reported net profit of Rs. 8.25 crore, total operating income of Rs. 58.52 crore and net worth of Rs. 43.82 crore. Net profit in 2081/82 was Rs. 8.41 crore. Net profit fell 1.97% on the year. Total operating income grew 58.36% on the year.
MLBSL profit and loss for 2082/83
In the financial year 2082/83, Mahila Lagubitta Bittiya Sanstha Limited reported net interest income of Rs. 50.06 crore, net fee and commission income of Rs. 8.46 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 58.52 crore, impairment charge/(reversal) of Rs. 20.44 crore, net operating income of Rs. 38.08 crore, operating expenses of Rs. 26.3 crore, operating profit of Rs. 11.78 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 11.78 crore, income tax expense of Rs. 3.54 crore and profit for the year of Rs. 8.25 crore.
Reported under net interest income: interest income of Rs. 83.82 crore and interest expense of Rs. 33.76 crore. Reported under net fee and commission income: fee and commission income of Rs. 8.49 crore and fee and commission expense of Rs. 0.03 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 22 crore, other operating expenses of Rs. 3.85 crore and depreciation & amortisation of Rs. 0.44 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 3.54 crore and deferred tax of Rs. 0 crore.
MLBSL profit and loss for 2081/82
In the financial year 2081/82, Mahila Lagubitta Bittiya Sanstha Limited reported net interest income of Rs. 29.98 crore, net fee and commission income of Rs. 6.97 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 36.95 crore, impairment charge/(reversal) of Rs. 0.12 crore, net operating income of Rs. 36.84 crore, operating expenses of Rs. 24.82 crore, operating profit of Rs. 12.02 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 12.02 crore, income tax expense of Rs. 3.61 crore and profit for the year of Rs. 8.41 crore.
Reported under net interest income: interest income of Rs. 69.24 crore and interest expense of Rs. 39.27 crore. Reported under net fee and commission income: fee and commission income of Rs. 7.2 crore and fee and commission expense of Rs. 0.23 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 20.89 crore, other operating expenses of Rs. 3.48 crore and depreciation & amortisation of Rs. 0.44 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 3.61 crore and deferred tax of Rs. 0 crore.
MLBSL profit and loss for 2080/81
In the financial year 2080/81, Mahila Lagubitta Bittiya Sanstha Limited reported net interest income of Rs. 21.69 crore, net fee and commission income of Rs. 6.19 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 27.88 crore, impairment charge/(reversal) of Rs. 1.8 crore, net operating income of Rs. 29.69 crore, operating expenses of Rs. 22.81 crore, operating profit of Rs. 6.87 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 6.88 crore, income tax expense of Rs. 2.06 crore and profit for the year of Rs. 4.81 crore.
Reported under net interest income: interest income of Rs. 64.04 crore and interest expense of Rs. 42.35 crore. Reported under net fee and commission income: fee and commission income of Rs. 6.57 crore and fee and commission expense of Rs. 0.37 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 19.24 crore, other operating expenses of Rs. 3.12 crore and depreciation & amortisation of Rs. 0.45 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. 2.53 crore and deferred tax of Rs. 0.46 crore.
MLBSL balance sheet for 2080/81
In the financial year 2080/81, Mahila Lagubitta Bittiya Sanstha Limited reported total assets of Rs. 508.25 crore, total liabilities of Rs. 464.43 crore and total equity of Rs. 43.82 crore.
Reported under total assets: cash and cash equivalents of Rs. 11.82 crore, due from nepal rastra bank of Rs. 2.31 crore, placement with banks and fis of Rs. 0 crore, loans and advances to banks and fis of Rs. 0 crore, loans and advances to customers of Rs. 489.36 crore, investment securities of Rs. 0 crore, current tax assets of Rs. 0.88 crore, property and equipment of Rs. 1.43 crore, goodwill and intangible assets of Rs. 0.05 crore, deferred tax assets of Rs. 1.78 crore and other assets of Rs. 0.62 crore. Reported under total liabilities: due to nepal rastra bank of Rs. 0 crore, deposits from customers of Rs. 157.38 crore, borrowings of Rs. 296.34 crore, provisions of Rs. 0 crore and other liabilities of Rs. 10.71 crore. Reported under total equity: share capital of Rs. 21.76 crore, retained earnings of Rs. 4.96 crore and reserves of Rs. 17.11 crore.
MLBSL balance sheet for 2079/80
In the financial year 2079/80, Mahila Lagubitta Bittiya Sanstha Limited reported total assets of Rs. 440.49 crore, total liabilities of Rs. 400.44 crore and total equity of Rs. 40.04 crore.
Reported under total assets: cash and cash equivalents of Rs. 12.86 crore, due from nepal rastra bank of Rs. 2.15 crore, placement with banks and fis of Rs. 0 crore, loans and advances to banks and fis of Rs. 0 crore, loans and advances to customers of Rs. 421.67 crore, investment securities of Rs. 0 crore, current tax assets of Rs. 0.74 crore, property and equipment of Rs. 1.42 crore, goodwill and intangible assets of Rs. 0.04 crore, deferred tax assets of Rs. 1.02 crore and other assets of Rs. 0.59 crore. Reported under total liabilities: due to nepal rastra bank of Rs. 3.57 crore, deposits from customers of Rs. 142.94 crore, borrowings of Rs. 246.67 crore, provisions of Rs. 0 crore and other liabilities of Rs. 7.26 crore. Reported under total equity: share capital of Rs. 21.76 crore, retained earnings of Rs. 0.89 crore and reserves of Rs. 17.4 crore.
MLBSL balance sheet for 2078/79
In the financial year 2078/79, Mahila Lagubitta Bittiya Sanstha Limited reported total assets of Rs. 459.7 crore, total liabilities of Rs. 421.47 crore and total equity of Rs. 38.22 crore.
Reported under total assets: cash and cash equivalents of Rs. 0.17 crore, due from nepal rastra bank of Rs. 0.01 crore, placement with banks and fis of Rs. 2.59 crore, loans and advances to banks and fis of Rs. 10.21 crore, loans and advances to customers of Rs. 438.48 crore, investment securities of Rs. 3.35 crore, property and equipment of Rs. 1.79 crore and other assets of Rs. 3.1 crore. Reported under total liabilities: due to nepal rastra bank of Rs. 0 crore, deposits from customers of Rs. 134 crore, borrowings of Rs. 277.59 crore, provisions of Rs. 0.37 crore and other liabilities of Rs. 9.52 crore. Reported under total equity: share capital of Rs. 21.76 crore, retained earnings of Rs. 0 crore and reserves of Rs. 16.47 crore.
MLBSL cash flow for 2080/81
In the financial year 2080/81, Mahila Lagubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 0.56 crore, net cash flow from investing activities (b) of Rs. 0.48 crore, net cash flow from financing activities (c) of Rs. 0 crore, net increase/(decrease) in cash and cash equivalents of Rs. 1.03 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 12.86 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. 11.82 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 63.77 crore, fees and other income received of Rs. 4.01 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 2.56 crore, interest paid of Rs. 41.6 crore, commission and fees paid of Rs. 0.37 crore, cash payment to employees of Rs. 17.16 crore, other expense paid of Rs. 3.86 crore, operating cash flows before changes in operating assets and liabilities of Rs. 7.35 crore, placement with banks and financial institutions of Rs. 0.16 crore, loan and advances to customers of Rs. 65.92 crore, other assets of Rs. 0.03 crore, due to nepal rastra bank of Rs. 3.57 crore, deposit from customers of Rs. 14.44 crore, borrowings of Rs. 49.67 crore, other liabilities of Rs. 0.33 crore, net cash flow from operating activities before tax paid of Rs. 2.11 crore and income taxes paid of Rs. 2.67 crore. Reported under net cash flow from investing activities (b): purchase of property and equipment of Rs. 0.45 crore and purchase of intangible assets of Rs. 0.03 crore. Reported under net cash flow from financing activities (c): dividends paid of Rs. 0 crore and other receipt/payment of Rs. 0 crore.
MLBSL cash flow for 2079/80
In the financial year 2079/80, Mahila Lagubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 0.68 crore, net cash flow from investing activities (b) of Rs. 0.33 crore, net cash flow from financing activities (c) of Rs. 0.41 crore, net increase/(decrease) in cash and cash equivalents of Rs. 1.43 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 14.28 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. 12.86 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 65.35 crore, fees and other income received of Rs. 4.02 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 1.59 crore, interest paid of Rs. 42.49 crore, commission and fees paid of Rs. 0.32 crore, cash payment to employees of Rs. 17.06 crore, other expense paid of Rs. 2.64 crore, operating cash flows before changes in operating assets and liabilities of Rs. 8.44 crore, placement with banks and financial institutions of Rs. 0.11 crore, loan and advances to customers of Rs. 11.26 crore, other assets of Rs. 0.13 crore, due to nepal rastra bank of Rs. 9.81 crore, deposit from customers of Rs. 8.94 crore, borrowings of Rs. 17.54 crore, other liabilities of Rs. 1.48 crore, net cash flow from operating activities before tax paid of Rs. 0.43 crore and income taxes paid of Rs. 0.25 crore. Reported under net cash flow from investing activities (b): purchase of property and equipment of Rs. 0.33 crore and purchase of intangible assets of Rs. 0 crore. Reported under net cash flow from financing activities (c): dividends paid of Rs. 0.37 crore and other receipt/payment of Rs. 0.05 crore.
MLBSL quarterly for Q4 2082/83
In the quarter Q4 2082/83, Mahila Lagubitta Bittiya Sanstha Limited reported net interest income of Rs. 21.64 crore, net fee and commission income of Rs. 2.75 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 24.39 crore, impairment charge/(reversal) of Rs. 13.22 crore, net operating income of Rs. 11.17 crore, operating expenses of Rs. 7.25 crore, operating profit of Rs. 3.92 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 3.92 crore, income tax expense of Rs. 1.18 crore and profit for the year of Rs. 2.74 crore.
Reported under net interest income: interest income of Rs. 29.98 crore and interest expense of Rs. 8.33 crore. Reported under net fee and commission income: fee and commission income of Rs. 2.75 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 5.56 crore, other operating expenses of Rs. 1.53 crore and depreciation & amortisation of Rs. 0.16 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. 1.18 crore and deferred tax of Rs. 0 crore.
MLBSL quarterly for Q3 2082/83
In the quarter Q3 2082/83, Mahila Lagubitta Bittiya Sanstha Limited reported net interest income of Rs. 12.55 crore, net fee and commission income of Rs. 2.37 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 14.92 crore, impairment charge/(reversal) of Rs. 5.8 crore, net operating income of Rs. 9.12 crore, operating expenses of Rs. 6.39 crore, operating profit of Rs. 2.73 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 2.73 crore, income tax expense of Rs. 0.82 crore and profit for the year of Rs. 1.91 crore.
Reported under net interest income: interest income of Rs. 20.69 crore and interest expense of Rs. 8.14 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 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 5.5 crore, other operating expenses of Rs. 0.79 crore and depreciation & amortisation of Rs. 0.1 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. 0.82 crore and deferred tax of Rs. 0 crore.
MLBSL quarterly for Q2 2082/83
In the quarter Q2 2082/83, Mahila Lagubitta Bittiya Sanstha Limited reported net interest income of Rs. 7.05 crore, net fee and commission income of Rs. 1.73 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 8.79 crore, impairment charge/(reversal) of Rs. 0.75 crore, net operating income of Rs. 8.04 crore, operating expenses of Rs. 5.79 crore, operating profit of Rs. 2.25 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 2.25 crore, income tax expense of Rs. 0.67 crore and profit for the year of Rs. 1.57 crore.
Reported under net interest income: interest income of Rs. 15.44 crore and interest expense of Rs. 8.39 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.75 crore and fee and commission expense of Rs. 0.02 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 4.9 crore, other operating expenses of Rs. 0.79 crore and depreciation & amortisation of Rs. 0.1 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. 0.67 crore and deferred tax of Rs. 0 crore.
MLBSL quarterly for Q1 2082/83
In the quarter Q1 2082/83, Mahila Lagubitta Bittiya Sanstha Limited reported net interest income of Rs. 8.81 crore, net fee and commission income of Rs. 1.61 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 10.42 crore, impairment charge/(reversal) of Rs. 0.66 crore, net operating income of Rs. 9.76 crore, operating expenses of Rs. 6.87 crore, operating profit of Rs. 2.89 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 2.89 crore, income tax expense of Rs. 0.87 crore and profit for the year of Rs. 2.02 crore.
Reported under net interest income: interest income of Rs. 17.71 crore and interest expense of Rs. 8.89 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.62 crore and fee and commission expense of Rs. 0.01 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 6.04 crore, other operating expenses of Rs. 0.74 crore and depreciation & amortisation of Rs. 0.09 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. 0.87 crore and deferred tax of Rs. 0 crore.
MLBSL Profit & Loss
Values in Rs. Crore unless stated otherwise.
| Particulars | 2082/83 | 2081/82 | 2080/81 | 2079/80 |
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| Net Interest Income | 50.1 | 30.0 | 21.7 | 26.4 |
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| Interest Income | 83.8 | 69.2 | 64.0 | 68.7 |
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| Interest Expense | -33.8 | -39.3 | -42.3 | -42.3 |
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| Net Fee and Commission Income | 8.5 | 7.0 | 6.2 | 5.3 |
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| Fee and Commission Income | 8.5 | 7.2 | 6.6 | 5.6 |
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| Fee and Commission Expense | -0.03 | -0.23 | -0.37 | -0.32 |
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| Net Trading Income | 0.00 | 0.00 | 0.00 | 0.00 |
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| Other Operating Income | 0.00 | -0.00 | 0.00 | 0.00 |
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| Total Operating Income | 58.5 | 37.0 | 27.9 | 31.7 |
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| Impairment Charge/(Reversal) | -20.4 | -0.12 | 1.8 | -9.6 |
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| Net Operating Income | 38.1 | 36.8 | 29.7 | 22.1 |
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| Operating Expenses | -26.3 | -24.8 | -22.8 | -19.9 |
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| Operating Expense - Personnel Expenses | -22.0 | -20.9 | -19.2 | -16.5 |
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| Other Operating Expenses | -3.9 | -3.5 | -3.1 | -2.9 |
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| Depreciation & Amortisation | -0.44 | -0.44 | -0.45 | -0.60 |
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| Operating Profit | 11.8 | 12.0 | 6.9 | 2.1 |
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| Non-Operating Income/(Expense) | 0.00 | 0.00 | 0.00 | 0.01 |
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| Non-Operating Income | 0.00 | 0.00 | 0.00 | 0.01 |
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| Non-Operating Expense | 0.00 | 0.00 | 0.00 | 0.00 |
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| Profit Before Income Tax | 11.8 | 12.0 | 6.9 | 2.2 |
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| Income Tax Expense | -3.5 | -3.6 | -2.1 | -0.72 |
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| Current Tax | -3.5 | -3.6 | -2.5 | -0.94 |
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| Deferred Tax | 0.00 | 0.00 | 0.46 | 0.23 |
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| Profit for the Year | 8.2 | 8.4 | 4.8 | 1.4 |
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MLBSL Balance Sheet
Values in Rs. Crore unless stated otherwise.
| Particulars | 2080/81 | 2079/80 | 2078/79 | 2077/78 |
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| Total Assets | 508 | 440 | 460 | 352 |
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| Cash and Cash Equivalents | 11.8 | 12.9 | 0.17 | 0.18 |
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| Due from Nepal Rastra Bank | 2.3 | 2.2 | 0.01 | 0.00 |
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| Placement with Banks and FIs | 0.00 | 0.00 | 2.6 | 2.0 |
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| Loans and Advances to Banks and FIs | 0.00 | 0.00 | 10.2 | 17.2 |
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| Loans and Advances to Customers | 489 | 422 | 438 | 330 |
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| Investment Securities | 0.00 | 0.00 | 3.4 | 0.00 |
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| Current Tax Assets | 0.88 | 0.74 | Not reported | 0.00 |
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| Property and Equipment | 1.4 | 1.4 | 1.8 | 1.1 |
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| Goodwill and Intangible Assets | 0.05 | 0.04 | Not reported | 0.00 |
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| Deferred Tax Assets | 1.8 | 1.0 | Not reported | 0.00 |
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| Other Assets | 0.62 | 0.59 | 3.1 | 1.0 |
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| Total Liabilities | 464 | 400 | 421 | 322 |
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| Due to Nepal Rastra Bank | 0.00 | 3.6 | 0.00 | 0.00 |
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| Deposits from Customers | 157 | 143 | 134 | 92.8 |
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| Borrowings | 296 | 247 | 278 | 225 |
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| Provisions | 0.00 | 0.00 | 0.37 | 0.25 |
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| Other Liabilities | 10.7 | 7.3 | 9.5 | 4.4 |
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| Total Equity | 43.8 | 40.0 | 38.2 | 29.7 |
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| Share Capital | 21.8 | 21.8 | 21.8 | 14.8 |
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| Retained Earnings | 5.0 | 0.89 | 0.00 | 0.00 |
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| Reserves | 17.1 | 17.4 | 16.5 | 15.0 |
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MLBSL Cash Flow
Values in Rs. Crore unless stated otherwise.
| Particulars | 2080/81 | 2079/80 |
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| Net Cash Flow from Operating Activities (A) | -0.56 | -0.68 |
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| Interest Received | 63.8 | 65.3 |
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| Fees and Other Income Received | 4.0 | 4.0 |
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| Dividend Received | 0.00 | 0.00 |
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| Receipts from Other Operating Activities | 2.6 | 1.6 |
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| Interest Paid | -41.6 | -42.5 |
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| Commission and Fees Paid | -0.37 | -0.32 |
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| Cash Payment to Employees | -17.2 | -17.1 |
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| Other Expense Paid | -3.9 | -2.6 |
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| Operating Cash Flows Before Changes in Operating Assets and Liabilities | 7.3 | 8.4 |
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| Placement with Banks and Financial Institutions | -0.16 | -0.11 |
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| Loan and Advances to Customers | -65.9 | 11.3 |
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| Other Assets | -0.03 | -0.13 |
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| Due to Nepal Rastra Bank | -3.6 | -9.8 |
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| Deposit from Customers | 14.4 | 8.9 |
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| Borrowings | 49.7 | -17.5 |
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| Other Liabilities | 0.33 | -1.5 |
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| Net Cash Flow from Operating Activities Before Tax Paid | 2.1 | -0.43 |
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| Income Taxes Paid | -2.7 | -0.25 |
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| Net Cash Flow from Investing Activities (B) | -0.48 | -0.33 |
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| Purchase of Property and Equipment | -0.45 | -0.33 |
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| Purchase of Intangible Assets | -0.03 | 0.00 |
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| Net Cash Flow from Financing Activities (C) | 0.00 | -0.41 |
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| Dividends Paid | 0.00 | -0.37 |
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| Other Receipt/Payment | 0.00 | -0.05 |
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| Net Increase/(Decrease) in Cash and Cash Equivalents | -1.0 | -1.4 |
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| Cash and Cash Equivalents at Shrawan 01 (Beginning of the Year) | 12.9 | 14.3 |
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| Effect of Exchange Rate Fluctuations on Cash and Cash Equivalents Held | 0.00 | 0.00 |
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| Cash and Cash Equivalents at Ashadh End | 11.8 | 12.9 |
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MLBSL 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 |
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| Net Interest Income | 21.6 | 12.5 | 7.1 | 8.8 | -0.34 | 10.7 | 9.7 | 9.9 | 11.2 |
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| Interest Income | 30.0 | 20.7 | 15.4 | 17.7 | 8.7 | 20.6 | 19.9 | 19.9 | 22.3 |
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| Interest Expense | -8.3 | -8.1 | -8.4 | -8.9 | -9.1 | -9.9 | -10.3 | -10.0 | -11.1 |
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| Net Fee and Commission Income | 2.7 | 2.4 | 1.7 | 1.6 | 1.9 | 1.8 | 1.6 | 1.7 | 2.2 |
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| Fee and Commission Income | 2.7 | 2.4 | 1.8 | 1.6 | 2.0 | 1.8 | 1.7 | 1.7 | 2.3 |
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| Fee and Commission Expense | -0.00 | -0.00 | -0.02 | -0.01 | -0.10 | -0.04 | -0.05 | -0.04 | -0.08 |
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| Net Trading Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Other Operating Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -0.00 | 0.00 | 0.00 |
|---|
| Total Operating Income | 24.4 | 14.9 | 8.8 | 10.4 | 1.6 | 12.5 | 11.3 | 11.6 | 13.4 |
|---|
| Impairment Charge/(Reversal) | -13.2 | -5.8 | -0.75 | -0.66 | 1.3 | -1.0 | 1.7 | -2.1 | 2.8 |
|---|
| Net Operating Income | 11.2 | 9.1 | 8.0 | 9.8 | 2.9 | 11.5 | 13.0 | 9.4 | 16.2 |
|---|
| Operating Expenses | -7.2 | -6.4 | -5.8 | -6.9 | -6.1 | -6.7 | -5.8 | -6.1 | -9.1 |
|---|
| Operating Expense - Personnel Expenses | -5.6 | -5.5 | -4.9 | -6.0 | -5.0 | -5.9 | -4.8 | -5.3 | -8.0 |
|---|
| Other Operating Expenses | -1.5 | -0.79 | -0.79 | -0.74 | -1.0 | -0.76 | -0.99 | -0.69 | -0.91 |
|---|
| Depreciation & Amortisation | -0.16 | -0.10 | -0.10 | -0.09 | -0.13 | -0.11 | -0.11 | -0.10 | -0.11 |
|---|
| Operating Profit | 3.9 | 2.7 | 2.2 | 2.9 | -3.2 | 4.8 | 7.1 | 3.3 | 7.2 |
|---|
| 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 | 3.9 | 2.7 | 2.2 | 2.9 | -3.2 | 4.8 | 7.1 | 3.3 | 7.2 |
|---|
| Income Tax Expense | -1.2 | -0.82 | -0.67 | -0.87 | 0.97 | -1.4 | -2.1 | -1.0 | -2.2 |
|---|
| Current Tax | -1.2 | -0.82 | -0.67 | -0.87 | 0.97 | -1.4 | -2.1 | -1.0 | -2.2 |
|---|
| Deferred Tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Profit for the Year | 2.7 | 1.9 | 1.6 | 2.0 | -2.3 | 3.3 | 5.0 | 2.3 | 5.0 |
|---|
Mahila Lagubitta share price history
Over the last 15 trading sessions MLBSL closed between Rs. 1,036.10 and Rs. 1,133.00, finishing at Rs. 1,126.00 on 2026-09-22 against Rs. 1,130.00 on 2026-08-26.
| Date | Open | High | Low | Close | Volume |
|---|
| 2026-09-22 | 1,134.00 | 1,135.10 | 1,126.00 | 1,126.00 | 1,026 |
|---|
| 2026-09-18 | 1,140.00 | 1,140.00 | 1,112.00 | 1,133.00 | 1,132 |
|---|
| 2026-09-17 | 1,140.00 | 1,140.00 | 1,125.00 | 1,125.00 | 1,228 |
|---|
| 2026-09-16 | 1,149.90 | 1,150.00 | 1,120.00 | 1,125.00 | 935 |
|---|
| 2026-09-15 | 1,108.00 | 1,249.00 | 1,101.20 | 1,119.00 | 2,245 |
|---|
| 2026-09-14 | 1,090.00 | 1,099.00 | 1,086.00 | 1,088.10 | 449 |
|---|
| 2026-09-11 | 1,052.00 | 1,137.90 | 1,052.00 | 1,076.00 | 1,307 |
|---|
| 2026-09-10 | 1,075.00 | 1,075.10 | 1,050.00 | 1,075.10 | 471 |
|---|
| 2026-09-09 | 1,070.00 | 1,085.70 | 1,065.00 | 1,077.00 | 899 |
|---|
| 2026-09-07 | 1,060.00 | 1,083.70 | 1,055.00 | 1,072.00 | 888 |
|---|
| 2026-09-03 | 1,060.00 | 1,060.00 | 1,044.00 | 1,055.00 | 1,070 |
|---|
| 2026-09-02 | 1,064.00 | 1,067.00 | 1,036.10 | 1,037.00 | 1,289 |
|---|
| 2026-09-01 | 1,050.00 | 1,099.00 | 1,026.00 | 1,036.10 | 1,955 |
|---|
| 2026-08-31 | 1,128.00 | 1,128.00 | 1,050.00 | 1,050.00 | 2,828 |
|---|
| 2026-08-26 | 1,163.00 | 1,163.00 | 1,115.50 | 1,130.00 | 856 |
|---|
MLBSL share price by year
2026, between Rs. 1,026.00 and Rs. 2,031.00, 2025, between Rs. 1,892.00 and Rs. 2,584.00, 2024, between Rs. 1,538.10 and Rs. 2,648.70, 2023, between Rs. 1,535.00 and Rs. 2,992.20, 2022, between Rs. 2,139.66 and Rs. 2,894.92 and 2021, between Rs. 201.32 and Rs. 2,728.68.
| Year | Low (Rs.) | High (Rs.) | Sessions |
|---|
| 2026 | 1,026.00 | 2,031.00 | 168 |
|---|
| 2025 | 1,892.00 | 2,584.00 | 224 |
|---|
| 2024 | 1,538.10 | 2,648.70 | 231 |
|---|
| 2023 | 1,535.00 | 2,992.20 | 224 |
|---|
| 2022 | 2,139.66 | 2,894.92 | 242 |
|---|
| 2021 | 201.32 | 2,728.68 | 188 |
|---|
Mahila Lagubitta share price returns
At Rs. 1,126.00 on 2026-09-22, MLBSL is up 0.63% over 1 week, down 4.91% over 1 month, down 36.46% over 3 months, down 43.10% over 6 months, down 44.61% over 1 year and down 43.83% over 5 years. Each return compares that close with the last close on or before the same date in the earlier period.
| Period | Return | From price (Rs.) | From date |
|---|
| 1 week | +0.63% | 1,119.00 | 2026-09-15 |
|---|
| 1 month | -4.91% | 1,184.20 | 2026-08-21 |
|---|
| 3 months | -36.46% | 1,772.00 | 2026-06-24 |
|---|
| 6 months | -43.10% | 1,979.00 | 2026-03-26 |
|---|
| 1 year | -44.61% | 2,032.87 | 2025-09-21 |
|---|
| 5 years | -43.83% | 2,004.48 | 2021-09-23 |
|---|
MLBSL floorsheet for 2026-09-22
MLBSL traded 24 times on 2026-09-22, moving 693 shares for Rs. 0.08 crore of turnover. Trades went through between Rs. 1,126.00 and Rs. 1,135.10.
Largest buyers by volume: broker 41, Linch Stock Market Limited on 234 shares across 5 trades, broker 80, Indira Securities Pvt. Ltd on 100 shares across 3 trades, broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 96 shares across 5 trades, broker 42, Sani Securities Company Limited on 51 shares across 2 trades, broker 32, Premier Securites Company Limited on 48 shares across 1 trades, broker 22, Siprabi Securities Pvt. Limited on 47 shares across 1 trades, broker 35, Kohinoor Investment and Securities Pvt.Ltd on 27 shares across 2 trades, broker 5, Market Securities Exchange Company Pvt. Limited on 25 shares across 1 trades, broker 8, Ashutosh Brokerage & Securities Pvt. Limited on 20 shares across 1 trades and broker 11, Malla & Malla Stock Broking Company Pvt. Limited on 20 shares across 1 trades.
Largest sellers by volume: broker 25, Sweta Securities Pvt. Limited on 314 shares across 9 trades, broker 42, Sani Securities Company Limited on 194 shares across 4 trades, broker 36, Secured Securities Limited on 42 shares across 2 trades, broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 25 shares across 1 trades, broker 13, Thrive Brokerage House Pvt. Limited on 25 shares across 2 trades, broker 34, Vision Securities Pvt.Limited on 25 shares across 1 trades, broker 14, Nepal Stock House Pvt. Limited on 24 shares across 2 trades, broker 51, Oxford Securities Pvt.Ltd on 20 shares across 1 trades, broker 4, Stock Broker Opal Securities Investment Pvt. Limited on 14 shares across 1 trades and broker 49, Online Securities Limited on 10 shares across 1 trades.
MLBSL dividend history: bonus shares and cash dividend
Mahila Lagubitta Bittiya Sanstha Limited most recently declared a 47.5% bonus share issue for 2078/2079, announced on 2023-02-06. 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 | 47.5% | | 2023-02-06 |
For 2078/2079 Mahila Lagubitta Bittiya Sanstha Limited declared a 47.5% bonus share issue, announced on 2023-02-06.
MLBSL general meetings
Annual and special general meetings Mahila Lagubitta Bittiya Sanstha Limited has called. A dividend is declared by the board and approved at the AGM.
- 7th AGM for 2080/2081: on 2025-03-20, at Anmol Catering Service Pvt. Ltd, Sankhamul, Kathmandu (11:00 AM)
- 6th AGM for 2079/2080: on 2024-03-10, at Himalaya Drishya Resort, Dhulikhel, Kavre (11:00 AM)
- 5th for 2078/2079: on 2023-03-05, at Aagantuk Resort, Dhulikhel, Kavre (11:00 AM)
4 years of annual statements and 9 quarters of results for MLBSL, with charts and peer comparison, are free on NepView.
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