Nerude Mirmire Laghubitta Bittiya Sanstha Limited (NMLBBL) Share Price & Fundamentals
Nerude Mirmire (NMLBBL) share price is Rs. 516.00, up 1.98% on 2026-09-22. Open Rs. 518.70. High Rs. 518.70. Low Rs. 503.10. Volume 11,339.
Nerude Mirmire Laghubitta Bittiya Sanstha Limited is a NEPSE-listed company (NMLBBL), Microfinance sector. Revenue: Rs. 167.56 Crore. Net loss: Rs. 18.25 Crore. Net worth: Rs. 247.47 Crore.
About Nerude Mirmire Laghubitta Bittiya Sanstha Limited
Nerude Mirmire Laghubitta Bittiya Sanstha Limited (NMLBBL) is a national-level "D"-class microfinance institution formed through the merger of Nerude Laghubitta Bittiya Sanstha Limited (Biratnagar, Morang) and Mirmire Laghubitta Bittiya Sanstha Limited (Banepa, Kavre); the merger agreement was signed in December 2022 and joint operations began in March 2024 on a 1:1 share swap. The merged entity's central office is in Banepa, Kavrepalanchok, with a corporate office in Lokanthali, Bhaktapur. It operates through 225 branch offices serving low-income families across Nepal. Its shares have traded on NEPSE since August 2010 (under the original Nerude listing).
Nerude Mirmire Laghubitta Bittiya Sanstha Limited (NMLBBL) has 1,39,77,643 shares outstanding. It listed on NEPSE in 2010.
NMLBBL key metrics
NMLBBL strengths
What Nerude Mirmire Laghubitta Bittiya Sanstha Limited's own accounts show in its favour, graded against the rest of its sector.
- Makes 6.9% on its assets from the gap between what it charges borrowers and pays savers. (Margins & Income Quality)
- 85.7% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
- Bad-loan charges come to 9.8% of income, so borrowers are paying back well. (Asset Quality)
- 11.7% of what the bank owns belongs to shareholders rather than depositors and lenders. (Capital Strength)
- 14% of income comes from fees and commissions, so it does not depend on lending alone. (Margins & Income Quality)
- Owns 8.54x for every rupee shareholders put in, a modest multiple that limits risk. (Capital Strength)
NMLBBL 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 -7.4%, below what owners would hope for. (Profitability)
- Return on everything it owns is -0.9%, so its assets are not producing much. (Profitability)
- Only 34.6% of funding comes from deposits, so it relies on costlier borrowing. (Liquidity & Funding)
- Income from lending moved -10.7%, so the core business is not growing. (Growth)
- The loan book moved -3%, so lending is not expanding. (Growth)
- Each share produced Rs 16.88 over the year. (Shareholder Returns)
- Net profit margin is 15.6%, less than most lenders keep once every cost is paid. (Profitability)
- Total income moved -9.9% on last year. (Growth)
- Staff costs take 54.5% of income, a heavy load on earnings. (Efficiency)
- Loans are 92.3% of what the bank owns, so most of its risk sits in lending. (Asset Quality)
- Operating margin is 21.4%, so running costs take too much of what core banking earns. (Profitability)
- 58.1% of funding is borrowed, which costs more and can dry up in a crisis. (Liquidity & Funding)
- The bank's size moved -0.6% over the year. (Shareholder Returns)
- Deposits moved 5.2%, so its cheapest source of funding is not growing. (Growth)
- Each share is backed by only Rs 177.05 of net worth. (Shareholder Returns)
NMLBBL Q3 2082/83 results
In Q3 2082/83 Nerude Mirmire Laghubitta Bittiya Sanstha Limited reported a loss of Rs. 82.47 crore and total operating income of Rs. 27.51 crore. Profit in Q2 2082/83 was Rs. 2.28 crore. Profit turned from a profit to a loss on the previous quarter. Total operating income fell 17.32% on the previous quarter.
NMLBBL annual results 2081/82
For the financial year 2081/82 Nerude Mirmire Laghubitta Bittiya Sanstha Limited reported a net loss of Rs. 18.25 crore, total operating income of Rs. 167.56 crore and net worth of Rs. 247.47 crore. Net profit in 2080/81 was Rs. 30.19 crore. Net profit turned from a profit to a loss on the year. Total operating income grew 44.67% on the year.
NMLBBL profit and loss for 2081/82
In the financial year 2081/82, Nerude Mirmire Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 144.88 crore, net fee and commission income of Rs. 22.68 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 167.56 crore, impairment charge/(reversal) of Rs. 94.24 crore, net operating income of Rs. 73.33 crore, operating expenses of Rs. 93.43 crore, operating profit of Rs. 20.11 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 20.11 crore, income tax expense of Rs. 1.85 crore and profit for the year of Rs. 18.25 crore.
Reported under net interest income: interest income of Rs. 282.66 crore and interest expense of Rs. 137.78 crore. Reported under net fee and commission income: fee and commission income of Rs. 23.4 crore and fee and commission expense of Rs. 0.72 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 72.42 crore, other operating expenses of Rs. 15.4 crore and depreciation & amortisation of Rs. 5.61 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 0 crore and deferred tax of Rs. 1.85 crore.
NMLBBL profit and loss for 2080/81
In the financial year 2080/81, Nerude Mirmire Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 91.17 crore, net fee and commission income of Rs. 24.65 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 115.82 crore, impairment charge/(reversal) of Rs. 3.97 crore, net operating income of Rs. 111.86 crore, operating expenses of Rs. 72.1 crore, operating profit of Rs. 39.75 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 39.75 crore, income tax expense of Rs. 9.56 crore and profit for the year of Rs. 30.19 crore.
Reported under net interest income: interest income of Rs. 206.31 crore and interest expense of Rs. 115.14 crore. Reported under net fee and commission income: fee and commission income of Rs. 25.66 crore and fee and commission expense of Rs. 1 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 56.6 crore, other operating expenses of Rs. 10.68 crore and depreciation & amortisation of Rs. 4.82 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. 14.99 crore and deferred tax of Rs. 5.44 crore.
NMLBBL profit and loss for 2079/80
In the financial year 2079/80, Nerude Mirmire Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 43.56 crore, net fee and commission income of Rs. 16.68 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 60.24 crore, impairment charge/(reversal) of Rs. 0.78 crore, net operating income of Rs. 59.46 crore, operating expenses of Rs. 49.07 crore, operating profit of Rs. 10.39 crore, non-operating income/(expense) of Rs. 0.34 crore, profit before income tax of Rs. 10.05 crore, income tax expense of Rs. 5.09 crore and profit for the year of Rs. 4.97 crore.
Reported under net interest income: interest income of Rs. 142.05 crore and interest expense of Rs. 98.5 crore. Reported under net fee and commission income: fee and commission income of Rs. 18.08 crore and fee and commission expense of Rs. 1.39 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 38.33 crore, other operating expenses of Rs. 7.79 crore and depreciation & amortisation of Rs. 2.95 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0.34 crore. Reported under income tax expense: current tax of Rs. 6.02 crore and deferred tax of Rs. 0.93 crore.
NMLBBL balance sheet for 2081/82
In the financial year 2081/82, Nerude Mirmire Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 2,113.85 crore, total liabilities of Rs. 1,866.38 crore and total equity of Rs. 247.47 crore.
Reported under total assets: cash and cash equivalents of Rs. 59.41 crore, due from nepal rastra bank of Rs. 9.16 crore, placement with banks and fis of Rs. 21.5 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. 1,951.47 crore, investment securities of Rs. 0.35 crore, current tax assets of Rs. 18.73 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. 34.39 crore, goodwill and intangible assets of Rs. 3.02 crore, deferred tax assets of Rs. 10.42 crore and other assets of Rs. 5.4 crore. Reported under total liabilities: due to banks and fis of Rs. 0 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 645.99 crore, borrowings of Rs. 1,085.22 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 135.17 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 139.78 crore, share premium of Rs. 0 crore, retained earnings of Rs. 26.55 crore, reserves of Rs. 134.25 crore and non controlling interest of Rs. 0 crore.
NMLBBL balance sheet for 2080/81
In the financial year 2080/81, Nerude Mirmire Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 2,127.11 crore, total liabilities of Rs. 1,863.04 crore and total equity of Rs. 264.07 crore.
Reported under total assets: cash and cash equivalents of Rs. 33.56 crore, due from nepal rastra bank of Rs. 8.89 crore, placement with banks and fis of Rs. 21.5 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. 2,012.2 crore, investment securities of Rs. 0.35 crore, current tax assets of Rs. 1.37 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. 32.87 crore, goodwill and intangible assets of Rs. 3.08 crore, deferred tax assets of Rs. 9.47 crore and other assets of Rs. 3.81 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. 614.13 crore, borrowings of Rs. 1,102.85 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 146.06 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 139.78 crore, share premium of Rs. 0 crore, retained earnings of Rs. 4.65 crore, reserves of Rs. 128.94 crore and non controlling interest of Rs. 0 crore.
NMLBBL balance sheet for 2079/80
In the financial year 2079/80, Nerude Mirmire Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 1,068.86 crore, total liabilities of Rs. 939.06 crore and total equity of Rs. 129.81 crore.
Reported under total assets: cash and cash equivalents of Rs. 21.18 crore, due from nepal rastra bank of Rs. 4.6 crore, placement with banks and fis of Rs. 16 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. 1,006.88 crore, investment securities of Rs. 0.2 crore, current tax assets of Rs. 1.86 crore, investment in subsidiaries of Rs. 0 crore, investment in associates of Rs. 0 crore, investment property of Rs. 0 crore, property and equipment of Rs. 11.65 crore, goodwill and intangible assets of Rs. 0 crore, deferred tax assets of Rs. 4.29 crore and other assets of Rs. 2.21 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. 346.63 crore, borrowings of Rs. 485.93 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 106.49 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 73.2 crore, share premium of Rs. 0 crore, retained earnings of Rs. 8.13 crore, reserves of Rs. 64.74 crore and non controlling interest of Rs. 0 crore.
NMLBBL cash flow for 2081/82
In the financial year 2081/82, Nerude Mirmire Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 129.32 crore, net cash flow from investing activities (b) of Rs. 7.13 crore, net cash flow from financing activities (c) of Rs. 96.34 crore, net increase/(decrease) in cash and cash equivalents of Rs. 25.85 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 33.56 crore, effect of exchange rate fluctuations on cash and cash equivalents held of Rs. 0 crore and cash and cash equivalents at ashadh end of Rs. 59.41 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 277.83 crore, fees and other income received of Rs. 23.4 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 137.78 crore, commission and fees paid of Rs. 0.72 crore, cash payment to employees of Rs. 72.42 crore, other expense paid of Rs. 15.4 crore, operating cash flows before changes in operating assets and liabilities of Rs. 74.91 crore, due from nepal rastra bank of Rs. 0.27 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. 65.56 crore, other assets of Rs. 1.28 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. 31.86 crore, borrowings of Rs. 17.63 crore, other liabilities of Rs. 10.89 crore, net cash flow from operating activities before tax paid of Rs. 144.82 crore and income taxes paid of Rs. 15.5 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. 7.13 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. 96.34 crore.
NMLBBL cash flow for 2080/81
In the financial year 2080/81, Nerude Mirmire Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 47.15 crore, net cash flow from investing activities (b) of Rs. 26.2 crore, net cash flow from financing activities (c) of Rs. 85.72 crore, net increase/(decrease) in cash and cash equivalents of Rs. 12.38 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 21.18 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. 33.56 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 190.39 crore, fees and other income received of Rs. 25.66 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 115.14 crore, commission and fees paid of Rs. 1 crore, cash payment to employees of Rs. 56.6 crore, other expense paid of Rs. 10.68 crore, operating cash flows before changes in operating assets and liabilities of Rs. 32.63 crore, due from nepal rastra bank of Rs. 4.29 crore, placement with banks and financial institutions of Rs. 5.5 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. 989.41 crore, other assets of Rs. 4.52 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. 267.49 crore, borrowings of Rs. 616.92 crore, other liabilities of Rs. 39.57 crore, net cash flow from operating activities before tax paid of Rs. 38.08 crore and income taxes paid of Rs. 9.07 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 0.15 crore, receipts from sale of investment securities of Rs. 0 crore, purchase of property and equipment of Rs. 26.05 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. 66.58 crore, dividends paid of Rs. 0 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 19.15 crore.
NMLBBL cash flow for 2079/80
In the financial year 2079/80, Nerude Mirmire Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 19.94 crore, net cash flow from investing activities (b) of Rs. 1.67 crore, net cash flow from financing activities (c) of Rs. 1.84 crore, net increase/(decrease) in cash and cash equivalents of Rs. 19.76 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 40.94 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. 21.18 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 142.05 crore, fees and other income received of Rs. 18.08 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 98.5 crore, commission and fees paid of Rs. 1.39 crore, cash payment to employees of Rs. 38.33 crore, other expense paid of Rs. 8.13 crore, operating cash flows before changes in operating assets and liabilities of Rs. 13.78 crore, due from nepal rastra bank of Rs. 0 crore, placement with banks and financial institutions of Rs. 3 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. 15.15 crore, other assets of Rs. 0.06 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. 25.8 crore, borrowings of Rs. 34.76 crore, other liabilities of Rs. 7.82 crore, net cash flow from operating activities before tax paid of Rs. 15.09 crore and income taxes paid of Rs. 4.85 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. 1.68 crore, receipt from sale of property and equipment of Rs. 0.01 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. 13.2 crore, dividends paid of Rs. 13.2 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 1.84 crore.
NMLBBL quarterly for Q3 2082/83
In the quarter Q3 2082/83, Nerude Mirmire Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 21.72 crore, net fee and commission income of Rs. 5.29 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.5 crore, total operating income of Rs. 27.51 crore, impairment charge/(reversal) of Rs. 95.68 crore, net operating income of Rs. 68.17 crore, operating expenses of Rs. 18.67 crore, operating profit of Rs. 86.84 crore, non-operating income/(expense) of Rs. 1.02 crore, profit before income tax of Rs. 85.82 crore, income tax expense of Rs. 3.35 crore and profit for the year of Rs. 82.47 crore.
Reported under net interest income: interest income of Rs. 50.94 crore and interest expense of Rs. 29.21 crore. Reported under net fee and commission income: fee and commission income of Rs. 5.31 crore and fee and commission expense of Rs. 0.02 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 15.97 crore, other operating expenses of Rs. 2.61 crore and depreciation & amortisation of Rs. 0.09 crore. Reported under non-operating income/(expense): non-operating income of Rs. 1.02 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 3.35 crore and deferred tax of Rs. 0 crore.
NMLBBL quarterly for Q2 2082/83
In the quarter Q2 2082/83, Nerude Mirmire Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 27.78 crore, net fee and commission income of Rs. 5.5 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 33.28 crore, impairment charge/(reversal) of Rs. 4.93 crore, net operating income of Rs. 28.35 crore, operating expenses of Rs. 25.1 crore, operating profit of Rs. 3.25 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 3.25 crore, income tax expense of Rs. 0.98 crore and profit for the year of Rs. 2.28 crore.
Reported under net interest income: interest income of Rs. 55.81 crore and interest expense of Rs. 28.03 crore. Reported under net fee and commission income: fee and commission income of Rs. 5.56 crore and fee and commission expense of Rs. 0.06 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 20.37 crore, other operating expenses of Rs. 4.47 crore and depreciation & amortisation of Rs. 0.26 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. 0.98 crore and deferred tax of Rs. 0 crore.
NMLBBL quarterly for Q1 2082/83
In the quarter Q1 2082/83, Nerude Mirmire Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 40.33 crore, net fee and commission income of Rs. 3.77 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 44.1 crore, impairment charge/(reversal) of Rs. 8.84 crore, net operating income of Rs. 35.26 crore, operating expenses of Rs. 27.66 crore, operating profit of Rs. 7.6 crore, non-operating income/(expense) of Rs. 0.31 crore, profit before income tax of Rs. 7.91 crore, income tax expense of Rs. 2.37 crore and profit for the year of Rs. 5.54 crore.
Reported under net interest income: interest income of Rs. 71.5 crore and interest expense of Rs. 31.17 crore. Reported under net fee and commission income: fee and commission income of Rs. 3.79 crore and fee and commission expense of Rs. 0.02 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 22.82 crore, other operating expenses of Rs. 4.56 crore and depreciation & amortisation of Rs. 0.27 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.31 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 2.37 crore and deferred tax of Rs. 0 crore.
NMLBBL quarterly for Q4 2081/82
In the quarter Q4 2081/82, Nerude Mirmire Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 41.73 crore, net fee and commission income of Rs. 8.81 crore, net trading income of Rs. 0 crore, other operating income of Rs. 1.21 crore, total operating income of Rs. 51.76 crore, impairment charge/(reversal) of Rs. 2.49 crore, net operating income of Rs. 54.25 crore, operating expenses of Rs. 25.34 crore, operating profit of Rs. 28.92 crore, non-operating income/(expense) of Rs. 0.9 crore, profit before income tax of Rs. 28.02 crore, income tax expense of Rs. 8.4 crore and profit for the year of Rs. 19.61 crore.
Reported under net interest income: interest income of Rs. 73.45 crore and interest expense of Rs. 31.72 crore. Reported under net fee and commission income: fee and commission income of Rs. 8.81 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 19.6 crore, other operating expenses of Rs. 5.39 crore and depreciation & amortisation of Rs. 0.35 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.9 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 8.4 crore and deferred tax of Rs. 0 crore.
NMLBBL Profit & Loss
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 |
|---|
| Net Interest Income | 145 | 91.2 | 43.6 |
|---|
| Interest Income | 283 | 206 | 142 |
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| Interest Expense | -138 | -115 | -98.5 |
|---|
| Net Fee and Commission Income | 22.7 | 24.7 | 16.7 |
|---|
| Fee and Commission Income | 23.4 | 25.7 | 18.1 |
|---|
| Fee and Commission Expense | -0.72 | -1.0 | -1.4 |
|---|
| Net Trading Income | 0.00 | 0.00 | 0.00 |
|---|
| Other Operating Income | 0.00 | 0.00 | 0.00 |
|---|
| Total Operating Income | 168 | 116 | 60.2 |
|---|
| Impairment Charge/(Reversal) | -94.2 | -4.0 | -0.78 |
|---|
| Net Operating Income | 73.3 | 112 | 59.5 |
|---|
| Operating Expenses | -93.4 | -72.1 | -49.1 |
|---|
| Operating Expense - Personnel Expenses | -72.4 | -56.6 | -38.3 |
|---|
| Other Operating Expenses | -15.4 | -10.7 | -7.8 |
|---|
| Depreciation & Amortisation | -5.6 | -4.8 | -2.9 |
|---|
| Operating Profit | -20.1 | 39.8 | 10.4 |
|---|
| Non-Operating Income/(Expense) | 0.00 | 0.00 | -0.34 |
|---|
| Non-Operating Income | 0.00 | 0.00 | 0.00 |
|---|
| Non-Operating Expense | 0.00 | 0.00 | -0.34 |
|---|
| Profit Before Income Tax | -20.1 | 39.8 | 10.1 |
|---|
| Income Tax Expense | 1.9 | -9.6 | -5.1 |
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| Current Tax | 0.00 | -15.0 | -6.0 |
|---|
| Deferred Tax | 1.9 | 5.4 | 0.93 |
|---|
| Profit for the Year | -18.3 | 30.2 | 5.0 |
|---|
NMLBBL Balance Sheet
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 |
|---|
| Total Assets | 2,114 | 2,127 | 1,069 |
|---|
| Cash and Cash Equivalents | 59.4 | 33.6 | 21.2 |
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| Due from Nepal Rastra Bank | 9.2 | 8.9 | 4.6 |
|---|
| Placement with Banks and FIs | 21.5 | 21.5 | 16.0 |
|---|
| Derivative Financial Instruments | 0.00 | 0.00 | 0.00 |
|---|
| Other Trading Assets | 0.00 | 0.00 | 0.00 |
|---|
| Loans and Advances to Banks and FIs | 0.00 | 0.00 | 0.00 |
|---|
| Loans and Advances to Customers | 1,951 | 2,012 | 1,007 |
|---|
| Investment Securities | 0.35 | 0.35 | 0.20 |
|---|
| Current Tax Assets | 18.7 | 1.4 | 1.9 |
|---|
| Investment in Subsidiaries | 0.00 | 0.00 | 0.00 |
|---|
| Investment in Associates | 0.00 | 0.00 | 0.00 |
|---|
| Investment Property | 0.00 | 0.00 | 0.00 |
|---|
| Property and Equipment | 34.4 | 32.9 | 11.6 |
|---|
| Goodwill and Intangible Assets | 3.0 | 3.1 | 0.00 |
|---|
| Deferred Tax Assets | 10.4 | 9.5 | 4.3 |
|---|
| Other Assets | 5.4 | 3.8 | 2.2 |
|---|
| Total Liabilities | 1,866 | 1,863 | 939 |
|---|
| Due to Banks and FIs | 0.00 | 0.00 | 0.00 |
|---|
| Due to Nepal Rastra Bank | 0.00 | 0.00 | 0.00 |
|---|
| Derivative Financial Instruments | 0.00 | 0.00 | 0.00 |
|---|
| Deposits from Customers | 646 | 614 | 347 |
|---|
| Borrowings | 1,085 | 1,103 | 486 |
|---|
| Current Tax Liabilities | 0.00 | 0.00 | 0.00 |
|---|
| Provisions | 0.00 | 0.00 | 0.00 |
|---|
| Deferred Tax Liabilities | 0.00 | 0.00 | 0.00 |
|---|
| Other Liabilities | 135 | 146 | 106 |
|---|
| Debt Securities Issued | 0.00 | 0.00 | 0.00 |
|---|
| Subordinated Liabilities | 0.00 | 0.00 | 0.00 |
|---|
| Total Equity | 247 | 264 | 130 |
|---|
| Share Capital | 140 | 140 | 73.2 |
|---|
| Share Premium | 0.00 | 0.00 | 0.00 |
|---|
| Retained Earnings | -26.6 | -4.6 | -8.1 |
|---|
| Reserves | 134 | 129 | 64.7 |
|---|
| Non Controlling Interest | 0.00 | 0.00 | 0.00 |
|---|
NMLBBL Cash Flow
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 |
|---|
| Net Cash Flow from Operating Activities (A) | 129 | -47.1 | -19.9 |
|---|
| Interest Received | 278 | 190 | 142 |
|---|
| Fees and Other Income Received | 23.4 | 25.7 | 18.1 |
|---|
| Dividend Received | 0.00 | 0.00 | 0.00 |
|---|
| Receipts from Other Operating Activities | 0.00 | 0.00 | 0.00 |
|---|
| Interest Paid | -138 | -115 | -98.5 |
|---|
| Commission and Fees Paid | -0.72 | -1.0 | -1.4 |
|---|
| Cash Payment to Employees | -72.4 | -56.6 | -38.3 |
|---|
| Other Expense Paid | -15.4 | -10.7 | -8.1 |
|---|
| Operating Cash Flows Before Changes in Operating Assets and Liabilities | 74.9 | 32.6 | 13.8 |
|---|
| Due from Nepal Rastra Bank | -0.27 | -4.3 | 0.00 |
|---|
| Placement with Banks and Financial Institutions | 0.00 | -5.5 | 3.0 |
|---|
| Other Trading Assets | 0.00 | 0.00 | 0.00 |
|---|
| Loan and Advances to Banks and Financial Institutions | 0.00 | 0.00 | 0.00 |
|---|
| Loan and Advances to Customers | 65.6 | -989 | -15.2 |
|---|
| Other Assets | 1.3 | 4.5 | 0.06 |
|---|
| Due to Banks and Financial Institutions | 0.00 | 0.00 | 0.00 |
|---|
| Due to Nepal Rastra Bank | 0.00 | 0.00 | 0.00 |
|---|
| Deposit from Customers | 31.9 | 267 | 25.8 |
|---|
| Borrowings | -17.6 | 617 | -34.8 |
|---|
| Other Liabilities | -10.9 | 39.6 | -7.8 |
|---|
| Net Cash Flow from Operating Activities Before Tax Paid | 145 | -38.1 | -15.1 |
|---|
| Income Taxes Paid | -15.5 | -9.1 | -4.9 |
|---|
| Net Cash Flow from Investing Activities (B) | -7.1 | -26.2 | -1.7 |
|---|
| Purchase of Investment Securities | 0.00 | -0.15 | 0.00 |
|---|
| Receipts from Sale of Investment Securities | 0.00 | 0.00 | 0.00 |
|---|
| Purchase of Property and Equipment | -7.1 | -26.0 | -1.7 |
|---|
| Receipt from Sale of Property and Equipment | 0.00 | 0.00 | 0.01 |
|---|
| Purchase of Intangible Assets | 0.00 | 0.00 | 0.00 |
|---|
| Receipt from Sale of Intangible Assets | 0.00 | 0.00 | 0.00 |
|---|
| Purchase of Investment Properties | 0.00 | 0.00 | 0.00 |
|---|
| Receipt from Sale of Investment Properties | 0.00 | 0.00 | 0.00 |
|---|
| Interest Received | 0.00 | 0.00 | 0.00 |
|---|
| Dividend Received | 0.00 | 0.00 | 0.00 |
|---|
| Net Cash Flow from Financing Activities (C) | -96.3 | 85.7 | 1.8 |
|---|
| Receipt from Issue of Debt Securities | 0.00 | 0.00 | 0.00 |
|---|
| Repayment of Debt Securities | 0.00 | 0.00 | 0.00 |
|---|
| Receipt from Issue of Subordinated Liabilities | 0.00 | 0.00 | 0.00 |
|---|
| Repayment of Subordinated Liabilities | 0.00 | 0.00 | 0.00 |
|---|
| Receipt from Issue of Shares | 0.00 | 66.6 | 13.2 |
|---|
| Dividends Paid | 0.00 | 0.00 | -13.2 |
|---|
| Interest Paid | 0.00 | 0.00 | 0.00 |
|---|
| Other Receipt/Payment | -96.3 | 19.1 | 1.8 |
|---|
| Net Increase/(Decrease) in Cash and Cash Equivalents | 25.9 | 12.4 | -19.8 |
|---|
| Cash and Cash Equivalents at Shrawan 01 (Beginning of the Year) | 33.6 | 21.2 | 40.9 |
|---|
| Effect of Exchange Rate Fluctuations on Cash and Cash Equivalents Held | 0.00 | 0.00 | 0.00 |
|---|
| Cash and Cash Equivalents at Ashadh End | 59.4 | 33.6 | 21.2 |
|---|
NMLBBL Quarterly Results
Values in Rs. Crore unless stated otherwise.
| Particulars | Q3 2082/83 | Q2 2082/83 | Q1 2082/83 | Q4 2081/82 |
|---|
| Net Interest Income | 21.7 | 27.8 | 40.3 | 41.7 |
|---|
| Interest Income | 50.9 | 55.8 | 71.5 | 73.4 |
|---|
| Interest Expense | -29.2 | -28.0 | -31.2 | -31.7 |
|---|
| Net Fee and Commission Income | 5.3 | 5.5 | 3.8 | 8.8 |
|---|
| Fee and Commission Income | 5.3 | 5.6 | 3.8 | 8.8 |
|---|
| Fee and Commission Expense | -0.02 | -0.06 | -0.02 | 0.00 |
|---|
| Net Trading Income | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Other Operating Income | 0.50 | 0.00 | 0.00 | 1.2 |
|---|
| Total Operating Income | 27.5 | 33.3 | 44.1 | 51.8 |
|---|
| Impairment Charge/(Reversal) | -95.7 | -4.9 | -8.8 | 2.5 |
|---|
| Net Operating Income | -68.2 | 28.3 | 35.3 | 54.3 |
|---|
| Operating Expenses | -18.7 | -25.1 | -27.7 | -25.3 |
|---|
| Operating Expense - Personnel Expenses | -16.0 | -20.4 | -22.8 | -19.6 |
|---|
| Other Operating Expenses | -2.6 | -4.5 | -4.6 | -5.4 |
|---|
| Depreciation & Amortisation | -0.09 | -0.26 | -0.27 | -0.35 |
|---|
| Operating Profit | -86.8 | 3.2 | 7.6 | 28.9 |
|---|
| Non-Operating Income/(Expense) | 1.0 | 0.00 | 0.31 | -0.90 |
|---|
| Non-Operating Income | 1.0 | 0.00 | 0.31 | -0.90 |
|---|
| Non-Operating Expense | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Profit Before Income Tax | -85.8 | 3.3 | 7.9 | 28.0 |
|---|
| Income Tax Expense | 3.3 | -0.98 | -2.4 | -8.4 |
|---|
| Current Tax | 3.3 | -0.98 | -2.4 | -8.4 |
|---|
| Deferred Tax | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Profit for the Year | -82.5 | 2.3 | 5.5 | 19.6 |
|---|
Nerude Mirmire share price history
Over the last 15 trading sessions NMLBBL closed between Rs. 477.00 and Rs. 516.00, finishing at Rs. 516.00 on 2026-09-22 against Rs. 490.00 on 2026-08-26.
| Date | Open | High | Low | Close | Volume |
|---|
| 2026-09-22 | 518.70 | 518.70 | 503.10 | 516.00 | 11,339 |
|---|
| 2026-09-18 | 495.00 | 506.00 | 495.00 | 506.00 | 7,629 |
|---|
| 2026-09-17 | 504.10 | 513.90 | 494.00 | 499.70 | 6,707 |
|---|
| 2026-09-16 | 500.10 | 513.00 | 490.00 | 504.90 | 6,169 |
|---|
| 2026-09-15 | 527.00 | 527.00 | 500.50 | 512.00 | 11,316 |
|---|
| 2026-09-14 | 499.00 | 505.00 | 490.80 | 502.40 | 3,379 |
|---|
| 2026-09-11 | 485.00 | 511.90 | 469.00 | 497.00 | 14,672 |
|---|
| 2026-09-10 | 481.10 | 481.10 | 473.50 | 478.00 | 2,513 |
|---|
| 2026-09-09 | 497.90 | 497.90 | 475.00 | 485.00 | 5,347 |
|---|
| 2026-09-07 | 485.00 | 498.00 | 485.00 | 488.00 | 2,896 |
|---|
| 2026-09-03 | 475.60 | 485.00 | 475.00 | 484.00 | 817 |
|---|
| 2026-09-02 | 475.00 | 481.70 | 468.40 | 481.50 | 2,607 |
|---|
| 2026-09-01 | 483.00 | 485.00 | 475.00 | 479.90 | 8,965 |
|---|
| 2026-08-31 | 485.00 | 485.00 | 470.60 | 477.00 | 3,251 |
|---|
| 2026-08-26 | 493.00 | 493.00 | 482.20 | 490.00 | 1,895 |
|---|
NMLBBL share price by year
2026, between Rs. 468.40 and Rs. 694.90, 2025, between Rs. 600.00 and Rs. 807.00 and 2024, between Rs. 599.60 and Rs. 988.00.
| Year | Low (Rs.) | High (Rs.) | Sessions |
|---|
| 2026 | 468.40 | 694.90 | 168 |
|---|
| 2025 | 600.00 | 807.00 | 225 |
|---|
| 2024 | 599.60 | 988.00 | 142 |
|---|
Nerude Mirmire share price returns
At Rs. 516.00 on 2026-09-22, NMLBBL is up 0.78% over 1 week, up 4.35% over 1 month, down 8.67% over 3 months, down 22.97% over 6 months and down 19.21% over 1 year. Each return compares that close with the last close on or before the same date in the earlier period.
| Period | Return | From price (Rs.) | From date |
|---|
| 1 week | +0.78% | 512.00 | 2026-09-15 |
|---|
| 1 month | +4.35% | 494.50 | 2026-08-21 |
|---|
| 3 months | -8.67% | 565.00 | 2026-06-24 |
|---|
| 6 months | -22.97% | 669.90 | 2026-03-26 |
|---|
| 1 year | -19.21% | 638.72 | 2025-09-21 |
|---|
NMLBBL floorsheet for 2026-09-22
NMLBBL traded 77 times on 2026-09-22, moving 8,958 shares for Rs. 0.46 crore of turnover. Trades went through between Rs. 503.10 and Rs. 518.70.
Largest buyers by volume: broker 74, Kalash Stock Market Pvt. Ltd. on 3,263 shares across 27 trades, broker 81, Aakashbhairab Securities Ltd. on 1,910 shares across 7 trades, broker 58, Naasa Securities Co. Ltd. on 775 shares across 6 trades, broker 85, Capital Hub P. Ltd on 500 shares across 3 trades, broker 48, Trishakti Securities Public Limited on 482 shares across 5 trades, broker 44, Dynamic Money Managers Securities Pvt.Ltd on 330 shares across 4 trades, broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 320 shares across 2 trades, broker 34, Vision Securities Pvt.Limited on 310 shares across 2 trades, broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 300 shares across 2 trades and broker 29, Trishul Securities And Investment Limited on 200 shares across 2 trades.
Largest sellers by volume: broker 25, Sweta Securities Pvt. Limited on 2,230 shares across 5 trades, broker 49, Online Securities Limited on 1,089 shares across 7 trades, broker 52, Sundhara Securities Limited on 1,000 shares across 8 trades, broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 680 shares across 4 trades, broker 58, Naasa Securities Co. Ltd. on 680 shares across 8 trades, broker 54, Sewa Securities Pvt. Ltd. on 500 shares across 1 trades, broker 48, Trishakti Securities Public Limited on 440 shares across 4 trades, broker 4, Stock Broker Opal Securities Investment Pvt. Limited on 315 shares across 1 trades, broker 42, Sani Securities Company Limited on 266 shares across 1 trades and broker 45, Imperial Securities Co. Limited on 250 shares across 4 trades.
NMLBBL dividend history: bonus shares and cash dividend
Nerude Mirmire Laghubitta Bittiya Sanstha Limited most recently declared a 22% bonus share issue for 2078/2079, announced on 2023-01-16. 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 | 22% | | 2023-01-16 |
For 2078/2079 Nerude Mirmire Laghubitta Bittiya Sanstha Limited declared a 22% bonus share issue, announced on 2023-01-16.
NMLBBL general meetings
Annual and special general meetings Nerude Mirmire Laghubitta Bittiya Sanstha Limited has called. A dividend is declared by the board and approved at the AGM.
- 19th AGM for 2081/2082: on 2026-07-26, at White Palace Banquet, Kaushaltar, Madhyapur Thimi-03, Kaushaltar (11:00 AM)
- 19th AGM for 2081/2082: on 2026-07-16
- 18th AGM for 2080/2081: on 2025-05-19, at Hotel Sarathi, Dhulikhel Municipality Ward No.8, Dhulikhel, Kavrepalanchowk (11:00 AM)
3 years of annual statements and 4 quarters of results for NMLBBL, with charts and peer comparison, are free on NepView.
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