National Laghubitta Bittiya Sanstha Limited (NMFBS) Share Price & Fundamentals

National (NMFBS) share price is Rs. 1,180.20, up 0.10% on 2026-10-12. Open Rs. 1,175.00. High Rs. 1,190.00. Low Rs. 1,175.00. Volume 2,203.

National Laghubitta Bittiya Sanstha Limited is a NEPSE-listed company (NMFBS), Microfinance sector. Revenue: Rs. 194.67 Crore. Net profit: Rs. 57.95 Crore. Net worth: Rs. 338 Crore.

About National Laghubitta Bittiya Sanstha Limited

National Laghubitta Bittiya Sanstha Limited (NMFBS) is a "D"-class microfinance institution headquartered in Banepa, Kavrepalanchowk. It has grown partly through acquisition/merger activity (its financial statements show a 'Transfer from Acquisition' cash-flow line in multiple years), and now operates through around 185 branch offices across 74 districts of Nepal, providing microfinance services to roughly 253,000 low-income families. Its shares have traded on NEPSE since December 2016.

National Laghubitta Bittiya Sanstha Limited (NMFBS) has 1,52,13,630 shares outstanding. It listed on NEPSE in 2016. Its most recent declared dividend was 0.75% on face value.

NMFBS key metrics

NMFBS strengths

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

• Profit grew 53.8% on last year. (Growth)
• Each share earned Rs 58.59 of profit over the year. (Shareholder Returns)
• Makes 5.8% on its assets from the gap between what it charges borrowers and pays savers. (Margins & Income Quality)
• Income from lending grew 19.7% on last year, so the core business is expanding. (Growth)
• Turns 37.5% of its income into profit once every cost is paid. (Profitability)
• 86.8% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
• Keeps 53.5% of income as profit from everyday banking, before tax. (Profitability)
• The loan book grew 18.5% on last year, so more money is being put to work. (Growth)
• Customer deposits grew 23.3% on last year, giving it more cheap money to lend. (Growth)
• Each share is backed by Rs 222.17 of the bank's own net worth. (Shareholder Returns)
• Earns 17.1% a year on the money shareholders put in, which is the return owners actually receive. (Profitability)
• The bank grew 35.2% bigger over the year. (Shareholder Returns)
• Earns 1.9% a year on everything the bank owns, so its loans and investments are working well. (Profitability)
• Bad-loan charges come to 9.6% of income, so borrowers are paying back well. (Asset Quality)
• Total income grew 22.2% on last year. (Growth)
• 11.3% of what the bank owns belongs to shareholders rather than depositors and lenders. (Capital Strength)
• 13.2% of income comes from fees and commissions, so it does not depend on lending alone. (Margins & Income Quality)
• Owns 8.86x for every rupee shareholders put in, a modest multiple that limits risk. (Capital Strength)

NMFBS weaknesses

What the same accounts show against it. Both lists are computed from the filed figures, not opinion, and are not advice.

• Only 24.3% of funding comes from deposits, so it relies on costlier borrowing. (Liquidity & Funding)
• Loans are 81.2% of what the bank owns, so most of its risk sits in lending. (Asset Quality)
• 71.6% of funding is borrowed, which costs more and can dry up in a crisis. (Liquidity & Funding)
• Staff costs take 25.8% of income, a heavy load on earnings. (Efficiency)

NMFBS Q3 2082/83 results

In Q3 2082/83 National Laghubitta Bittiya Sanstha Limited reported profit of Rs. 22.2 crore and total operating income of Rs. 55.32 crore. Profit in Q2 2082/83 was Rs. 22.24 crore. Profit fell 0.20% on the previous quarter. Total operating income grew 1.04% on the previous quarter. Profit in Q3 2081/82, the same quarter a year earlier, was Rs. 14.72 crore. Profit grew 50.74% on the same quarter last year. Total operating income grew 33.86% on the same quarter last year.

NMFBS annual results 2081/82

For the financial year 2081/82 National Laghubitta Bittiya Sanstha Limited reported net profit of Rs. 57.95 crore, total operating income of Rs. 194.67 crore and net worth of Rs. 338 crore. Net profit in 2080/81 was Rs. 20.06 crore. Net profit grew 188.93% on the year. Total operating income grew 48.19% on the year.

NMFBS profit and loss for 2081/82

In the financial year 2081/82, National Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 172.5 crore, net fee and commission income of Rs. 22.17 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 194.67 crore, impairment charge/(reversal) of Rs. 38.53 crore, net operating income of Rs. 156.13 crore, operating expenses of Rs. 75.08 crore, operating profit of Rs. 81.06 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 81.06 crore, income tax expense of Rs. 23.1 crore and profit for the year of Rs. 57.95 crore.

Reported under net interest income: interest income of Rs. 327.25 crore and interest expense of Rs. 154.75 crore. Reported under net fee and commission income: fee and commission income of Rs. 22.17 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 54.48 crore, other operating expenses of Rs. 19.12 crore and depreciation & amortisation of Rs. 1.48 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. 24.23 crore and deferred tax of Rs. 1.13 crore.

NMFBS profit and loss for 2080/81

In the financial year 2080/81, National Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 111.72 crore, net fee and commission income of Rs. 19.64 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 131.37 crore, impairment charge/(reversal) of Rs. 28.52 crore, net operating income of Rs. 102.84 crore, operating expenses of Rs. 69.05 crore, operating profit of Rs. 33.79 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 33.79 crore, income tax expense of Rs. 13.73 crore and profit for the year of Rs. 20.06 crore.

Reported under net interest income: interest income of Rs. 271.41 crore and interest expense of Rs. 159.69 crore. Reported under net fee and commission income: fee and commission income of Rs. 19.64 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 50.67 crore, other operating expenses of Rs. 16.94 crore and depreciation & amortisation of Rs. 1.45 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. 13.34 crore and deferred tax of Rs. 0.39 crore.

NMFBS profit and loss for 2079/80

In the financial year 2079/80, National Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 66 crore, net fee and commission income of Rs. 8.97 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 74.96 crore, impairment charge/(reversal) of Rs. 0.88 crore, net operating income of Rs. 74.09 crore, operating expenses of Rs. 43.03 crore, operating profit of Rs. 31.06 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 31.06 crore, income tax expense of Rs. 9.47 crore and profit for the year of Rs. 21.59 crore.

Reported under net interest income: interest income of Rs. 166.65 crore and interest expense of Rs. 100.65 crore. Reported under net fee and commission income: fee and commission income of Rs. 8.97 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 29.6 crore, other operating expenses of Rs. 12.49 crore and depreciation & amortisation of Rs. 0.94 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. 9.64 crore and deferred tax of Rs. 0.18 crore.

NMFBS balance sheet for 2081/82

In the financial year 2081/82, National Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 2,995.14 crore, total liabilities of Rs. 2,657.15 crore and total equity of Rs. 338 crore.

Reported under total assets: cash and cash equivalents of Rs. 366.18 crore, due from nepal rastra bank of Rs. 151.18 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. 2,433.54 crore, investment securities of Rs. 0.3 crore, current tax assets of Rs. 0 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. 9.57 crore, goodwill and intangible assets of Rs. 19.12 crore, deferred tax assets of Rs. 3.44 crore and other assets of Rs. 11.81 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. 646.48 crore, borrowings of Rs. 1,901.63 crore, current tax liabilities of Rs. 4.35 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 104.69 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 133.16 crore, share premium of Rs. 0 crore, retained earnings of Rs. 43.04 crore, reserves of Rs. 161.79 crore and non controlling interest of Rs. 0 crore.

NMFBS balance sheet for 2080/81

In the financial year 2080/81, National Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 2,214.61 crore, total liabilities of Rs. 1,934.81 crore and total equity of Rs. 279.8 crore.

Reported under total assets: cash and cash equivalents of Rs. 110.02 crore, due from nepal rastra bank of Rs. 9.7 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. 2,053.94 crore, investment securities of Rs. 0.34 crore, current tax assets of Rs. 3.9 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. 10.45 crore, goodwill and intangible assets of Rs. 19.16 crore, deferred tax assets of Rs. 2.69 crore and other assets of Rs. 4.42 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. 524.51 crore, borrowings of Rs. 1,319.95 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 90.34 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 116.55 crore, share premium of Rs. 0 crore, retained earnings of Rs. 23.84 crore, reserves of Rs. 139.4 crore and non controlling interest of Rs. 0 crore.

NMFBS balance sheet for 2079/80

In the financial year 2079/80, National Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 1,781.59 crore, total liabilities of Rs. 1,517.24 crore and total equity of Rs. 264.35 crore.

Reported under total assets: cash and cash equivalents of Rs. 61.35 crore, due from nepal rastra bank of Rs. 8.62 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. 1,675.34 crore, investment securities of Rs. 0.25 crore, current tax assets of Rs. 1.5 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. 10.46 crore, goodwill and intangible assets of Rs. 19.19 crore, deferred tax assets of Rs. 3.05 crore and other assets of Rs. 1.83 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. 452.39 crore, borrowings of Rs. 987.14 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 77.71 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 108.42 crore, share premium of Rs. 0 crore, retained earnings of Rs. 30.39 crore, reserves of Rs. 125.53 crore and non controlling interest of Rs. 0 crore.

NMFBS cash flow for 2081/82

In the financial year 2081/82, National Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 399.08 crore, net cash flow from investing activities (b) of Rs. 0.57 crore, net cash flow from financing activities (c) of Rs. 0.87 crore, net increase/(decrease) in cash and cash equivalents of Rs. 397.64 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 119.72 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. 517.36 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 327.25 crore, fees and other income received of Rs. 22.17 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 154.5 crore, commission and fees paid of Rs. 0 crore, cash payment to employees of Rs. 45.47 crore, other expense paid of Rs. 19.42 crore, operating cash flows before changes in operating assets and liabilities of Rs. 130.02 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. 418.14 crore, other assets of Rs. 7.39 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. 121.96 crore, borrowings of Rs. 581.68 crore, other liabilities of Rs. 6.93 crore, net cash flow from operating activities before tax paid of Rs. 415.07 crore and income taxes paid of Rs. 15.98 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. 0.57 crore, receipt from sale of property and equipment of Rs. 0 crore, purchase of intangible assets of Rs. 0 crore, receipt from sale of intangible assets of Rs. 0 crore, purchase of investment properties of Rs. 0 crore, receipt from sale of investment properties of Rs. 0 crore, interest received of Rs. 0 crore and dividend received of Rs. 0 crore. 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. 0.87 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 0 crore.

NMFBS cash flow for 2080/81

In the financial year 2080/81, National Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 58.47 crore, net cash flow from investing activities (b) of Rs. 0.59 crore, net cash flow from financing activities (c) of Rs. 8.13 crore, net increase/(decrease) in cash and cash equivalents of Rs. 49.75 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 69.97 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. 119.72 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 264.83 crore, fees and other income received of Rs. 19.63 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 159.54 crore, commission and fees paid of Rs. 0 crore, cash payment to employees of Rs. 47.19 crore, other expense paid of Rs. 17.86 crore, operating cash flows before changes in operating assets and liabilities of Rs. 59.87 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. 400.45 crore, other assets of Rs. 2.68 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. 72.12 crore, borrowings of Rs. 332.81 crore, other liabilities of Rs. 12.11 crore, net cash flow from operating activities before tax paid of Rs. 73.79 crore and income taxes paid of Rs. 15.31 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. 0.59 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. 8.13 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 0 crore.

NMFBS cash flow for 2079/80

In the financial year 2079/80, National Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 29.06 crore, net cash flow from investing activities (b) of Rs. 0.67 crore, net cash flow from financing activities (c) of Rs. 0 crore, net increase/(decrease) in cash and cash equivalents of Rs. 29.74 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 56.61 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. 69.97 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 166.65 crore, fees and other income received of Rs. 8.97 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 100.65 crore, commission and fees paid of Rs. 0 crore, cash payment to employees of Rs. 26.21 crore, other expense paid of Rs. 12.49 crore, operating cash flows before changes in operating assets and liabilities of Rs. 36.27 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. 15.3 crore, other assets of Rs. 4.85 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. 11.09 crore, borrowings of Rs. 40.6 crore, other liabilities of Rs. 14.96 crore, net cash flow from operating activities before tax paid of Rs. 18.67 crore and income taxes paid of Rs. 10.39 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. 0.67 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 crore.

NMFBS quarterly for Q3 2082/83

In the quarter Q3 2082/83, National Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 46.24 crore, net fee and commission income of Rs. 9.07 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 55.32 crore, impairment charge/(reversal) of Rs. 3.29 crore, net operating income of Rs. 52.02 crore, operating expenses of Rs. 20.31 crore, operating profit of Rs. 31.71 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 31.71 crore, income tax expense of Rs. 9.51 crore and profit for the year of Rs. 22.2 crore.

Reported under net interest income: interest income of Rs. 83.88 crore and interest expense of Rs. 37.64 crore. Reported under net fee and commission income: fee and commission income of Rs. 9.07 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 14.67 crore, other operating expenses of Rs. 5.12 crore and depreciation & amortisation of Rs. 0.52 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. 9.51 crore and deferred tax of Rs. 0 crore.

NMFBS quarterly for Q2 2082/83

In the quarter Q2 2082/83, National Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 47.9 crore, net fee and commission income of Rs. 6.84 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 54.75 crore, impairment charge/(reversal) of Rs. 0.81 crore, net operating income of Rs. 53.94 crore, operating expenses of Rs. 22.16 crore, operating profit of Rs. 31.77 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 31.77 crore, income tax expense of Rs. 9.53 crore and profit for the year of Rs. 22.24 crore.

Reported under net interest income: interest income of Rs. 85.59 crore and interest expense of Rs. 37.69 crore. Reported under net fee and commission income: fee and commission income of Rs. 6.84 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 15.86 crore, other operating expenses of Rs. 6.03 crore and depreciation & amortisation of Rs. 0.27 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. 9.53 crore and deferred tax of Rs. 0 crore.

NMFBS quarterly for Q1 2082/83

In the quarter Q1 2082/83, National Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 42.32 crore, net fee and commission income of Rs. 6.15 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 48.47 crore, impairment charge/(reversal) of Rs. 3.87 crore, net operating income of Rs. 44.61 crore, operating expenses of Rs. 23.99 crore, operating profit of Rs. 20.61 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 20.61 crore, income tax expense of Rs. 6.18 crore and profit for the year of Rs. 14.43 crore.

Reported under net interest income: interest income of Rs. 84.28 crore and interest expense of Rs. 41.96 crore. Reported under net fee and commission income: fee and commission income of Rs. 6.15 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 15.34 crore, other operating expenses of Rs. 7.48 crore and depreciation & amortisation of Rs. 1.17 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. 6.18 crore and deferred tax of Rs. 0 crore.

NMFBS quarterly for Q4 2081/82

In the quarter Q4 2081/82, National Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 70.79 crore, net fee and commission income of Rs. 5.35 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 76.14 crore, impairment charge/(reversal) of Rs. 26.67 crore, net operating income of Rs. 49.47 crore, operating expenses of Rs. 20.2 crore, operating profit of Rs. 29.26 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 29.26 crore, income tax expense of Rs. 7.56 crore and profit for the year of Rs. 21.7 crore.

Reported under net interest income: interest income of Rs. 108.45 crore and interest expense of Rs. 37.66 crore. Reported under net fee and commission income: fee and commission income of Rs. 5.35 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 15.53 crore, other operating expenses of Rs. 3.93 crore and depreciation & amortisation of Rs. 0.75 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. 8.69 crore and deferred tax of Rs. 1.13 crore.

NMFBS Profit & Loss

Values in Rs. Crore unless stated otherwise.

NMFBS Balance Sheet

Values in Rs. Crore unless stated otherwise.

NMFBS Cash Flow

Values in Rs. Crore unless stated otherwise.

NMFBS Quarterly Results

Values in Rs. Crore unless stated otherwise.

National share price history

Over the last 15 trading sessions NMFBS closed between Rs. 1,168.20 and Rs. 1,208.00, finishing at Rs. 1,180.20 on 2026-10-12 against Rs. 1,190.00 on 2026-09-18.

NMFBS share price by year

2026, between Rs. 1,051.90 and Rs. 1,242.00, 2025, between Rs. 1,016.19 and Rs. 1,316.41, 2024, between Rs. 731.90 and Rs. 1,323.06, 2023, between Rs. 642.10 and Rs. 1,499.67, 2022, between Rs. 1,081.38 and Rs. 1,765.52 and 2021, between Rs. 808.46 and Rs. 1,805.98.

National share price returns

At Rs. 1,180.20 on 2026-10-12, NMFBS is up 0.19% over 1 week, up 4.91% over 1 month, up 6.61% over 3 months, up 3.07% over 6 months, up 11.81% over 1 year and down 10.05% over 5 years. Each return compares that close with the last close on or before the same date in the earlier period.

NMFBS floorsheet for 2026-10-12

NMFBS traded 32 times on 2026-10-12, moving 2,203 shares for Rs. 0.26 crore of turnover. Trades went through between Rs. 1,155.00 and Rs. 1,190.00.

Largest buyers by volume: broker 82, N.M.B. Securities Limited on 700 shares across 5 trades, broker 75, NIMB Stock Markets Limited on 650 shares across 11 trades, broker 53, Investment Management Nepal Pvt. Ltd. on 251 shares across 4 trades, broker 59, Deevyaa Securities & Stock House Pvt. Ltd on 177 shares across 3 trades, broker 28, Shree Krishna Securities Limited on 173 shares across 1 trades, broker 43, South Asian Bulls Pvt.Limited on 100 shares across 1 trades, broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 65 shares across 2 trades, broker 42, Sani Securities Company Limited on 50 shares across 1 trades, broker 32, Premier Securites Company Limited on 16 shares across 2 trades and broker 45, Imperial Securities Co. Limited on 15 shares across 1 trades.

Largest sellers by volume: broker 60, Nagarik Stock Dealer Company Ltd. on 1,000 shares across 7 trades, broker 42, Sani Securities Company Limited on 290 shares across 3 trades, broker 14, Nepal Stock House Pvt. Limited on 288 shares across 9 trades, broker 58, Naasa Securities Co. Ltd. on 217 shares across 2 trades, broker 43, South Asian Bulls Pvt.Limited on 192 shares across 1 trades, broker 5, Market Securities Exchange Company Pvt. Limited on 103 shares across 2 trades, broker 7, J.F. Securities Company Pvt. Limited on 40 shares across 1 trades, broker 61, Bhole Ganesh Securities Limited on 21 shares across 1 trades, broker 32, Premier Securites Company Limited on 18 shares across 2 trades and broker 63, Himalayan Brokerage Company Limited on 10 shares across 1 trades.

NMFBS dividend history: bonus shares and cash dividend

National Laghubitta Bittiya Sanstha Limited most recently declared a 14.25% bonus share issue for 2081/2082, announced on 2025-12-26. Percentages are of paid up value. Declared, not necessarily paid: a dividend is subject to the annual general meeting approving it.

For 2081/2082 National Laghubitta Bittiya Sanstha Limited declared a 14.25% bonus share issue, announced on 2025-12-26.

For 2080/2081 National Laghubitta Bittiya Sanstha Limited declared a 14.25% bonus share issue, announced on 2024-11-19.

For 2079/2080 National Laghubitta Bittiya Sanstha Limited declared a 7.5% bonus share issue and a 7.5% cash dividend, 15% in total, announced on 2024-03-03.

For 2078/2079 National Laghubitta Bittiya Sanstha Limited declared a 15% bonus share issue, announced on 2023-04-03.

For 2077/2078 National Laghubitta Bittiya Sanstha Limited declared a 40% bonus share issue and a 5% cash dividend, 45% in total, announced on 2021-12-29.

NMFBS right share issues

Right issues National Laghubitta Bittiya Sanstha Limited has announced. A right share is offered to existing shareholders in proportion to what they already hold.

• 2020/2021: ratio 0%

NMFBS general meetings

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

• 12th AGM for 2081/2082: on 2026-01-14, at Araniko Party Palace, Banepa Municipality Ward no-5 Bhimsenmarga, Kavrepalanchowk (11:00 AM)
• 11th AGM for 2080/2081: on 2024-12-09, at Araniko Party Palace, Banepa Municipality Ward no-5 Bhimsenmarga, Kavrepalanchowk (11:00 AM)
• 10th AGM for 2079/2080: on 2024-03-29, at Dhulikhel Lodge Resort, Dhulikhel, Kavrepalanchowk (10:30 AM)

5 years of annual statements and 8 quarters of results for NMFBS, with charts and peer comparison, are free on NepView.

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