NIC ASIA Laghubitta Bittiya Sanstha Limited (NICLBSL) Share Price & Fundamentals

NIC ASIA (NICLBSL) share price is Rs. 500.00, up 1.58% on 2026-10-12. Open Rs. 495.00. High Rs. 501.00. Low Rs. 492.00. Volume 9,811.

NIC ASIA Laghubitta Bittiya Sanstha Limited is a NEPSE-listed company (NICLBSL), Microfinance sector. Revenue: Rs. 154.79 Crore. Net profit: Rs. 12.2 Crore. Net worth: Rs. 174.87 Crore.

About NIC ASIA Laghubitta Bittiya Sanstha Limited

A national-level Class 'D' microfinance financial institution licensed by Nepal Rastra Bank, and a subsidiary of NIC Asia Bank Limited, which holds 57.75% of its shares. The institution delivers microcredit, deposit and related services through 287 branch offices across 74 districts, prioritising remote local levels where microfinance access is limited, and reported serving 241,506 low-income families as at the fourth quarter of FY2081/82. Funding is drawn largely from borrowings rather than customer deposits. Recent periods have been marked by sharply rising non-performing loans (NPL reaching about 17% of total loans by Asar 2082, against roughly 10% a year earlier), heavy impairment charges and a swing into loss: the institution recorded an audited loss in FY2080/81 and a further large unaudited loss for FY2081/82. Management cites rising borrowing costs, regulated lending-rate caps, borrower over-indebtedness and organised anti-microfinance activity as the principal pressures, with loan recovery and credit quality the stated priorities.

NIC ASIA Laghubitta Bittiya Sanstha Limited (NICLBSL) has 1,73,94,400 shares outstanding.

NICLBSL key metrics

NICLBSL strengths

What NIC ASIA Laghubitta Bittiya Sanstha Limited's own accounts show in its favour, graded against the rest of its sector.

• Income from lending grew 117.5% on last year, so the core business is expanding. (Growth)
• Customer deposits grew 35.9% on last year, giving it more cheap money to lend. (Growth)
• 90.6% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
• Total income grew 107% on last year. (Growth)
• The loan book grew 12.1% on last year, so more money is being put to work. (Growth)

NICLBSL 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 -44.2%, below what owners would hope for. (Profitability)
• Return on everything it owns is -3.6%, so its assets are not producing much. (Profitability)
• 27% of income is lost to loans going bad, which eats directly into profit. (Asset Quality)
• Each share produced Rs 7.01 over the year. (Shareholder Returns)
• Only 10.6% of funding comes from deposits, so it relies on costlier borrowing. (Liquidity & Funding)
• Net profit margin is 7.9%, less than most lenders keep once every cost is paid. (Profitability)
• Makes only 3% from the gap between lending and deposit rates, so core earnings are squeezed. (Margins & Income Quality)
• Operating margin is 15.7%, so running costs take too much of what core banking earns. (Profitability)
• Only 0.5% of income comes from fees, so it leans heavily on lending. (Margins & Income Quality)
• Each share is backed by only Rs 100.53 of net worth. (Shareholder Returns)
• Staff costs take 40.2% of income, a heavy load on earnings. (Efficiency)
• Owns 12.38x for every rupee shareholders put in. A high multiple magnifies losses as well as gains. (Capital Strength)
• 86.1% of funding is borrowed, which costs more and can dry up in a crisis. (Liquidity & Funding)
• Loans are 79.9% of what the bank owns, so most of its risk sits in lending. (Asset Quality)
• Only 8.1% of what it owns belongs to shareholders, so there is less cushion for losses. (Capital Strength)
• The bank's size moved 9.8% over the year. (Shareholder Returns)

NICLBSL Q4 2082/83 results

In Q4 2082/83 NIC ASIA Laghubitta Bittiya Sanstha Limited reported profit of Rs. 1.51 crore and total operating income of Rs. 59.33 crore. Profit in Q3 2082/83 was Rs. 8.81 crore. Profit fell 82.87% on the previous quarter. Total operating income grew 73.35% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was a loss of Rs. 45 crore. Profit turned from a loss to a profit on the same quarter last year. Total operating income grew 98.95% on the same quarter last year.

NICLBSL annual results 2082/83

For the financial year 2082/83 NIC ASIA Laghubitta Bittiya Sanstha Limited reported net profit of Rs. 12.2 crore, total operating income of Rs. 154.79 crore and net worth of Rs. 174.87 crore. Net profit in 2081/82 was a loss of Rs. 77.31 crore. Net profit turned from a loss to a profit on the year. Total operating income grew 107.03% on the year.

NICLBSL profit and loss for 2082/83

In the financial year 2082/83, NIC ASIA Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 140.23 crore, net fee and commission income of Rs. 0.81 crore, other operating income of Rs. 13.76 crore, total operating income of Rs. 154.79 crore, impairment charge/(reversal) of Rs. 41.87 crore, net operating income of Rs. 112.92 crore, operating expenses of Rs. 88.63 crore, operating profit of Rs. 24.29 crore, non-operating income/(expense) of Rs. 0.26 crore, profit before income tax of Rs. 24.03 crore, income tax expense of Rs. 11.83 crore and profit for the year of Rs. 12.2 crore.

Reported under net interest income: interest income of Rs. 248.21 crore and interest expense of Rs. 107.98 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.84 crore and fee and commission expense of Rs. 0.03 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 62.16 crore, other operating expenses of Rs. 25.19 crore and depreciation & amortisation of Rs. 1.28 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.76 crore and non-operating expense of Rs. 1.02 crore. Reported under income tax expense: current tax of Rs. 11.83 crore.

NICLBSL profit and loss for 2081/82

In the financial year 2081/82, NIC ASIA Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 64.47 crore, net fee and commission income of Rs. 8.83 crore, net trading income of Rs. 0 crore, other operating income of Rs. 1.47 crore, total operating income of Rs. 74.77 crore, impairment charge/(reversal) of Rs. 100.06 crore, net operating income of Rs. 25.29 crore, operating expenses of Rs. 86.66 crore, operating profit of Rs. 111.95 crore, non-operating income/(expense) of Rs. 0.19 crore, profit before income tax of Rs. 112.14 crore, income tax expense of Rs. 34.84 crore and profit for the year of Rs. 77.31 crore.

Reported under net interest income: interest income of Rs. 178.41 crore and interest expense of Rs. 113.94 crore. Reported under net fee and commission income: fee and commission income of Rs. 9.42 crore and fee and commission expense of Rs. 0.59 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 60.61 crore, other operating expenses of Rs. 23.19 crore and depreciation & amortisation of Rs. 2.85 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.49 crore and non-operating expense of Rs. 0.67 crore. Reported under income tax expense: current tax of Rs. 0.1 crore and deferred tax of Rs. 34.93 crore.

NICLBSL profit and loss for 2080/81

In the financial year 2080/81, NIC ASIA Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 78.37 crore, net fee and commission income of Rs. 2.5 crore, net trading income of Rs. 0 crore, other operating income of Rs. 2.4 crore, total operating income of Rs. 83.27 crore, impairment charge/(reversal) of Rs. 37.9 crore, net operating income of Rs. 45.37 crore, operating expenses of Rs. 73.97 crore, operating profit of Rs. 28.6 crore, non-operating income/(expense) of Rs. 1.97 crore, profit before income tax of Rs. 30.57 crore, income tax expense of Rs. 7.98 crore and profit for the year of Rs. 22.59 crore.

Reported under net interest income: interest income of Rs. 212.62 crore and interest expense of Rs. 134.25 crore. Reported under net fee and commission income: fee and commission income of Rs. 5.92 crore and fee and commission expense of Rs. 3.41 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 46.41 crore, other operating expenses of Rs. 20.51 crore and depreciation & amortisation of Rs. 7.05 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.17 crore and non-operating expense of Rs. 2.14 crore. Reported under income tax expense: current tax of Rs. 4.34 crore and deferred tax of Rs. 12.33 crore.

NICLBSL balance sheet for 2081/82

In the financial year 2081/82, NIC ASIA Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 2,164.57 crore, total liabilities of Rs. 1,989.71 crore and total equity of Rs. 174.87 crore.

Reported under total assets: cash and cash equivalents of Rs. 320.29 crore, due from nepal rastra bank of Rs. 15.03 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. 1,728.56 crore, investment securities of Rs. 1.29 crore, current tax assets of Rs. 8.27 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 0.37 crore, property and equipment of Rs. 4.13 crore, goodwill and intangible assets of Rs. 0.25 crore, deferred tax assets of Rs. 49.47 crore and other assets of Rs. 36.91 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. 210.29 crore, borrowings of Rs. 1,713.28 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 3.97 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 62.17 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 173.94 crore, share premium of Rs. 0 crore, retained earnings of Rs. 104.98 crore, reserves of Rs. 105.9 crore and non controlling interest of Rs. 0 crore.

NICLBSL balance sheet for 2080/81

In the financial year 2080/81, NIC ASIA Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 1,970.65 crore, total liabilities of Rs. 1,714.51 crore and total equity of Rs. 256.13 crore.

Reported under total assets: cash and cash equivalents of Rs. 364.07 crore, due from nepal rastra bank of Rs. 10 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. 1,541.61 crore, investment securities of Rs. 1.36 crore, current tax assets of Rs. 4.32 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 0.37 crore, property and equipment of Rs. 27.28 crore, goodwill and intangible assets of Rs. 0.48 crore, deferred tax assets of Rs. 14.54 crore and other assets of Rs. 6.62 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. 154.71 crore, borrowings of Rs. 1,513.26 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 3.32 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 43.22 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 173.94 crore, share premium of Rs. 0 crore, retained earnings of Rs. 6 crore, reserves of Rs. 76.18 crore and non controlling interest of Rs. 0 crore.

NICLBSL balance sheet for 2079/80

In the financial year 2079/80, NIC ASIA Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 1,948.38 crore, total liabilities of Rs. 1,641.48 crore and total equity of Rs. 306.9 crore.

Reported under total assets: cash and cash equivalents of Rs. 106.09 crore, due from nepal rastra bank of Rs. 0 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. 1,798.08 crore, investment securities of Rs. 1.25 crore, current tax assets of Rs. 2.95 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. 8.79 crore, goodwill and intangible assets of Rs. 0.57 crore, deferred tax assets of Rs. 2.47 crore and other assets of Rs. 28.19 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. 223.19 crore, borrowings of Rs. 1,373.49 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 44.8 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 173.94 crore, share premium of Rs. 0 crore, retained earnings of Rs. 73.71 crore, reserves of Rs. 59.25 crore and non controlling interest of Rs. 0 crore.

NICLBSL cash flow for 2081/82

In the financial year 2081/82, NIC ASIA Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 34.23 crore, net cash flow from investing activities (b) of Rs. 0.56 crore, net cash flow from financing activities (c) of Rs. 3.96 crore, net increase/(decrease) in cash and cash equivalents of Rs. 38.76 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 374.07 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. 335.31 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 178.41 crore, fees and other income received of Rs. 9.42 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 1.96 crore, interest paid of Rs. 113.94 crore, commission and fees paid of Rs. 0.59 crore, cash payment to employees of Rs. 60.61 crore, other expense paid of Rs. 23.87 crore, operating cash flows before changes in operating assets and liabilities of Rs. 9.23 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. 287.02 crore, other assets of Rs. 13.08 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. 55.57 crore, borrowings of Rs. 200.02 crore, other liabilities of Rs. 19.6 crore, net cash flow from operating activities before tax paid of Rs. 34.14 crore and income taxes paid of Rs. 0.1 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. 0.48 crore, receipt from sale of property and equipment of Rs. 0 crore, purchase of intangible assets of Rs. 0.08 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. 3.96 crore.

NICLBSL cash flow for 2080/81

In the financial year 2080/81, NIC ASIA Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 290.53 crore, net cash flow from investing activities (b) of Rs. 3.55 crore, net cash flow from financing activities (c) of Rs. 26.09 crore, net increase/(decrease) in cash and cash equivalents of Rs. 267.98 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 106.09 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. 374.07 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 207.14 crore, fees and other income received of Rs. 5.92 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 2.57 crore, interest paid of Rs. 134.25 crore, commission and fees paid of Rs. 3.41 crore, cash payment to employees of Rs. 44.21 crore, other expense paid of Rs. 30.47 crore, operating cash flows before changes in operating assets and liabilities of Rs. 3.28 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. 221.89 crore, other assets of Rs. 3.84 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. 68.48 crore, borrowings of Rs. 142.61 crore, other liabilities of Rs. 1.27 crore, net cash flow from operating activities before tax paid of Rs. 296.74 crore and income taxes paid of Rs. 6.21 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. 3.76 crore, receipt from sale of property and equipment of Rs. 0 crore, purchase of intangible assets of Rs. 0.09 crore, receipt from sale of intangible assets of Rs. 0 crore, purchase of investment properties of Rs. 0.37 crore, receipt from sale of investment properties of Rs. 0 crore, interest received of Rs. 0 crore and dividend received of Rs. 0.07 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. 26.09 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 0 crore.

NICLBSL cash flow for 2079/80

In the financial year 2079/80, NIC ASIA Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 53.19 crore, net cash flow from investing activities (b) of Rs. 3.17 crore, net cash flow from financing activities (c) of Rs. 0 crore, net increase/(decrease) in cash and cash equivalents of Rs. 50.02 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 156.11 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. 106.09 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 302.7 crore, fees and other income received of Rs. 8.29 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0.07 crore, interest paid of Rs. 194.66 crore, commission and fees paid of Rs. 4.81 crore, cash payment to employees of Rs. 49.56 crore, other expense paid of Rs. 29.11 crore, operating cash flows before changes in operating assets and liabilities of Rs. 32.92 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. 322.69 crore, other assets of Rs. 2.23 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. 112.08 crore, borrowings of Rs. 252.08 crore, other liabilities of Rs. 54.29 crore, net cash flow from operating activities before tax paid of Rs. 60.62 crore and income taxes paid of Rs. 7.43 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. 3.19 crore, receipt from sale of property and equipment of Rs. 0 crore, purchase of intangible assets of Rs. 0.09 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. 0.07 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 crore.

NICLBSL quarterly for Q4 2082/83

In the quarter Q4 2082/83, NIC ASIA Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 54.82 crore, net fee and commission income of Rs. 0.4 crore, other operating income of Rs. 4.11 crore, total operating income of Rs. 59.33 crore, impairment charge/(reversal) of Rs. 28.81 crore, net operating income of Rs. 30.53 crore, operating expenses of Rs. 22.14 crore, operating profit of Rs. 8.39 crore, non-operating income/(expense) of Rs. 0.56 crore, profit before income tax of Rs. 7.83 crore, income tax expense of Rs. 6.32 crore and profit for the year of Rs. 1.51 crore.

Reported under net interest income: interest income of Rs. 82.37 crore and interest expense of Rs. 27.55 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.41 crore and fee and commission expense of Rs. 0.01 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 14.83 crore, other operating expenses of Rs. 6.94 crore and depreciation & amortisation of Rs. 0.37 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.29 crore and non-operating expense of Rs. 0.85 crore. Reported under income tax expense: current tax of Rs. 6.32 crore.

NICLBSL quarterly for Q3 2082/83

In the quarter Q3 2082/83, NIC ASIA Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 30.3 crore, net fee and commission income of Rs. 0.19 crore, net trading income of Rs. 0 crore, other operating income of Rs. 3.74 crore, total operating income of Rs. 34.23 crore, impairment charge/(reversal) of Rs. 0.23 crore, net operating income of Rs. 34.46 crore, operating expenses of Rs. 22.15 crore, operating profit of Rs. 12.31 crore, non-operating income/(expense) of Rs. 0.28 crore, profit before income tax of Rs. 12.59 crore, income tax expense of Rs. 3.78 crore and profit for the year of Rs. 8.81 crore.

Reported under net interest income: interest income of Rs. 56.89 crore and interest expense of Rs. 26.59 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.19 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 15.75 crore, other operating expenses of Rs. 5.95 crore and depreciation & amortisation of Rs. 0.45 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.28 crore and non-operating expense of Rs. 0.01 crore. Reported under income tax expense: current tax of Rs. 3.78 crore and deferred tax of Rs. 0 crore.

NICLBSL quarterly for Q2 2082/83

In the quarter Q2 2082/83, NIC ASIA Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 18.01 crore, net fee and commission income of Rs. 0.13 crore, net trading income of Rs. 0 crore, other operating income of Rs. 3.13 crore, total operating income of Rs. 21.26 crore, impairment charge/(reversal) of Rs. 0.05 crore, net operating income of Rs. 21.31 crore, operating expenses of Rs. 20.45 crore, operating profit of Rs. 0.86 crore, non-operating income/(expense) of Rs. 0.13 crore, profit before income tax of Rs. 0.99 crore, income tax expense of Rs. 0.02 crore and profit for the year of Rs. 0.97 crore.

Reported under net interest income: interest income of Rs. 43.77 crore and interest expense of Rs. 25.76 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.13 crore and fee and commission expense of Rs. 0.01 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 14.04 crore, other operating expenses of Rs. 6.12 crore and depreciation & amortisation of Rs. 0.3 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.13 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 0.02 crore and deferred tax of Rs. 0 crore.

NICLBSL quarterly for Q1 2082/83

In the quarter Q1 2082/83, NIC ASIA Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 37.1 crore, net fee and commission income of Rs. 0.09 crore, net trading income of Rs. 0 crore, other operating income of Rs. 2.79 crore, total operating income of Rs. 39.97 crore, impairment charge/(reversal) of Rs. 13.35 crore, net operating income of Rs. 26.63 crore, operating expenses of Rs. 23.89 crore, operating profit of Rs. 2.73 crore, non-operating income/(expense) of Rs. 0.11 crore, profit before income tax of Rs. 2.62 crore, income tax expense of Rs. 1.71 crore and profit for the year of Rs. 0.91 crore.

Reported under net interest income: interest income of Rs. 65.19 crore and interest expense of Rs. 28.09 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.11 crore and fee and commission expense of Rs. 0.02 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 17.55 crore, other operating expenses of Rs. 6.19 crore and depreciation & amortisation of Rs. 0.16 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.06 crore and non-operating expense of Rs. 0.17 crore. Reported under income tax expense: current tax of Rs. 1.71 crore and deferred tax of Rs. 0 crore.

NICLBSL Profit & Loss

Values in Rs. Crore unless stated otherwise.

NICLBSL Balance Sheet

Values in Rs. Crore unless stated otherwise.

NICLBSL Cash Flow

Values in Rs. Crore unless stated otherwise.

NICLBSL Quarterly Results

Values in Rs. Crore unless stated otherwise.

NIC ASIA share price history

Over the last 15 trading sessions NICLBSL closed between Rs. 492.20 and Rs. 523.00, finishing at Rs. 500.00 on 2026-10-12 against Rs. 523.00 on 2026-09-18.

NICLBSL share price by year

2026, between Rs. 490.00 and Rs. 679.00, 2025, between Rs. 535.00 and Rs. 764.00, 2024, between Rs. 520.30 and Rs. 907.00, 2023, between Rs. 516.00 and Rs. 878.00, 2022, between Rs. 687.30 and Rs. 1,331.00 and 2021, between Rs. 759.00 and Rs. 2,037.00.

NIC ASIA share price returns

At Rs. 500.00 on 2026-10-12, NICLBSL is unchanged over 1 week, down 1.86% over 1 month, down 7.58% over 3 months, down 17.90% over 6 months, down 10.07% over 1 year and down 55.87% over 5 years. Each return compares that close with the last close on or before the same date in the earlier period.

NICLBSL floorsheet for 2026-10-12

NICLBSL traded 87 times on 2026-10-12, moving 9,811 shares for Rs. 0.48 crore of turnover. Trades went through between Rs. 480.00 and Rs. 501.00.

Largest buyers by volume: broker 25, Sweta Securities Pvt. Limited on 2,385 shares across 21 trades, broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 1,500 shares across 3 trades, broker 45, Imperial Securities Co. Limited on 1,365 shares across 8 trades, broker 34, Vision Securities Pvt.Limited on 1,050 shares across 2 trades, broker 11, Malla & Malla Stock Broking Company Pvt. Limited on 1,000 shares across 1 trades, broker 32, Premier Securites Company Limited on 775 shares across 12 trades, broker 19, Nepal Investment & Securities Trading Pvt. Limited on 300 shares across 3 trades, broker 58, Naasa Securities Co. Ltd. on 210 shares across 4 trades, broker 29, Trishul Securities And Investment Limited on 200 shares across 2 trades and broker 48, Trishakti Securities Public Limited on 170 shares across 3 trades.

Largest sellers by volume: broker 25, Sweta Securities Pvt. Limited on 3,205 shares across 10 trades, broker 49, Online Securities Limited on 2,150 shares across 25 trades, broker 47, Neev Securities Pvt.Ltd on 1,430 shares across 5 trades, broker 32, Premier Securites Company Limited on 1,250 shares across 7 trades, broker 48, Trishakti Securities Public Limited on 500 shares across 1 trades, broker 52, Sundhara Securities Limited on 310 shares across 4 trades, broker 96, Himalayan Securities Limited on 179 shares across 1 trades, broker 65, Sharepro Securities Private Limited on 110 shares across 2 trades, broker 74, Kalash Stock Market Pvt. Ltd. on 100 shares across 1 trades and broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 100 shares across 1 trades.

NICLBSL dividend history: bonus shares and cash dividend

NIC ASIA Laghubitta Bittiya Sanstha Limited most recently declared a 15% cash dividend for 2079/2080, announced on 2024-01-02. Percentages are of paid up value. Declared, not necessarily paid: a dividend is subject to the annual general meeting approving it.

For 2079/2080 NIC ASIA Laghubitta Bittiya Sanstha Limited declared a 15% cash dividend, announced on 2024-01-02.

For 2078/2079 NIC ASIA Laghubitta Bittiya Sanstha Limited declared a 14.75% cash dividend, announced on 2023-03-30.

NICLBSL general meetings

Annual and special general meetings NIC ASIA Laghubitta Bittiya Sanstha Limited has called. A dividend is declared by the board and approved at the AGM.

• 8th AGM for 2081/2082: on 2026-06-13, at Gorkha Hotel, Chatara Line, Dharan Sub-Municipality-12, Sunsari (11:00 AM)
• 7th AGM for 2080/2081: on 2025-03-21, at Gorkha Hotel, Chatara Line, Dharan Sub-Municipality-12, Sunsari (9:00 AM)
• 6th AGM for 2079/2080: on 2023-12-22, at Gorkha Hotel, Chatara Line, Dharan Sub-Municipality-12, Sunsari (9:00 AM)

5 years of annual statements and 9 quarters of results for NICLBSL, with charts and peer comparison, are free on NepView.

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