Swarojgar Laghubitta Bittiya Sanstha Ltd. (SLBBL) Share Price & Fundamentals

Swarojgar (SLBBL) share price is Rs. 829.00, up 0.12% on 2026-10-12. Open Rs. 825.00. High Rs. 834.00. Low Rs. 824.00. Volume 2,367.

Swarojgar Laghubitta Bittiya Sanstha Ltd. is a NEPSE-listed company (SLBBL), Microfinance sector. Revenue: Rs. 86.99 Crore. Net profit: Rs. 31.17 Crore. Net worth: Rs. 123.64 Crore.

About Swarojgar Laghubitta Bittiya Sanstha Ltd.

Swarojgar Laghubitta Bittiya Sanstha Limited is a class D retail microfinance development bank licensed by Nepal Rastra Bank and registered under the Company Act 2063. It was established in 2009 (2066 BS) with its head office in Banepa Municipality, Kavrepalanchok, in Bagmati Province. It lends to female group members on a group-approach basis with the aim of lifting the socio-economic position of poor and marginalised communities, alongside deposit mobilisation, insurance, remittance and skill-development training.

Swarojgar Laghubitta Bittiya Sanstha Ltd. (SLBBL) has 89,56,336 shares outstanding. It listed on NEPSE in 2013. Its most recent declared dividend was 0.75% on face value.

Company website: www.slbbl.com.np.

SLBBL key metrics

SLBBL strengths

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

• Makes 6% on its assets from the gap between what it charges borrowers and pays savers. (Margins & Income Quality)
• Profit grew 41.3% on last year. (Growth)
• Bad-loan charges come to 2% of income, so borrowers are paying back well. (Asset Quality)
• Income from lending grew 24.5% on last year, so the core business is expanding. (Growth)
• Earns 2.2% a year on everything the bank owns, so its loans and investments are working well. (Profitability)
• 12.2% of what the bank owns belongs to shareholders rather than depositors and lenders. (Capital Strength)
• Turns 35.8% of its income into profit once every cost is paid. (Profitability)
• 87.2% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
• Keeps 50.1% of income as profit from everyday banking, before tax. (Profitability)
• Customer deposits grew 20.5% on last year, giving it more cheap money to lend. (Growth)
• Earns 17.8% a year on the money shareholders put in, which is the return owners actually receive. (Profitability)
• Total income grew 23.3% on last year. (Growth)
• Each share earned Rs 34.8 of profit over the year. (Shareholder Returns)
• The bank grew 16% bigger over the year. (Shareholder Returns)
• 12.8% of income comes from fees and commissions, so it does not depend on lending alone. (Margins & Income Quality)
• Owns 8.21x for every rupee shareholders put in, a modest multiple that limits risk. (Capital Strength)
• The loan book grew 14.8% on last year, so more money is being put to work. (Growth)

SLBBL weaknesses

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

• Only 50.5% of funding comes from deposits, so it relies on costlier borrowing. (Liquidity & Funding)
• Loans are 91.3% of what the bank owns, so most of its risk sits in lending. (Asset Quality)
• Each share is backed by only Rs 138.05 of net worth. (Shareholder Returns)
• 47% of funding is borrowed, which costs more and can dry up in a crisis. (Liquidity & Funding)
• Only 0% of income comes from outside interest, so a change in rates hits hard. (Margins & Income Quality)
• Staff costs take 34.9% of income, a heavy load on earnings. (Efficiency)

SLBBL Q4 2082/83 results

In Q4 2082/83 Swarojgar Laghubitta Bittiya Sanstha Ltd. reported profit of Rs. 10.15 crore and total operating income of Rs. 24.74 crore. Profit in Q3 2082/83 was Rs. 8.27 crore. Profit grew 22.67% on the previous quarter. Total operating income grew 11.66% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was Rs. 7.95 crore. Profit grew 27.72% on the same quarter last year. Total operating income grew 16.71% on the same quarter last year.

SLBBL annual results 2082/83

For the financial year 2082/83 Swarojgar Laghubitta Bittiya Sanstha Ltd. reported net profit of Rs. 31.17 crore, total operating income of Rs. 86.99 crore and net worth of Rs. 123.64 crore. Net profit in 2081/82 was Rs. 22.06 crore. Net profit grew 41.29% on the year. Total operating income grew 23.25% on the year.

SLBBL profit and loss for 2082/83

In the financial year 2082/83, Swarojgar Laghubitta Bittiya Sanstha Ltd. reported net interest income of Rs. 75.87 crore, net fee and commission income of Rs. 11.12 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 86.99 crore, impairment charge/(reversal) of Rs. 1.72 crore, net operating income of Rs. 85.27 crore, operating expenses of Rs. 41.67 crore, operating profit of Rs. 43.6 crore, non-operating income/(expense) of Rs. 1.46 crore, profit before income tax of Rs. 45.06 crore, income tax expense of Rs. 13.89 crore and profit for the year of Rs. 31.17 crore.

Reported under net interest income: interest income of Rs. 141.32 crore and interest expense of Rs. 65.45 crore. Reported under net fee and commission income: fee and commission income of Rs. 11.2 crore and fee and commission expense of Rs. 0.08 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 30.35 crore, other operating expenses of Rs. 9 crore and depreciation & amortisation of Rs. 2.32 crore. Reported under non-operating income/(expense): non-operating income of Rs. 1.54 crore and non-operating expense of Rs. 0.07 crore. Reported under income tax expense: current tax of Rs. 13.89 crore and deferred tax of Rs. 0 crore.

SLBBL profit and loss for 2081/82

In the financial year 2081/82, Swarojgar Laghubitta Bittiya Sanstha Ltd. reported net interest income of Rs. 60.94 crore, net fee and commission income of Rs. 9.5 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.14 crore, total operating income of Rs. 70.58 crore, impairment charge/(reversal) of Rs. 4.94 crore, net operating income of Rs. 65.64 crore, operating expenses of Rs. 36.01 crore, operating profit of Rs. 29.63 crore, non-operating income/(expense) of Rs. 3.49 crore, profit before income tax of Rs. 33.12 crore, income tax expense of Rs. 11.06 crore and profit for the year of Rs. 22.06 crore.

Reported under net interest income: interest income of Rs. 127 crore and interest expense of Rs. 66.06 crore. Reported under net fee and commission income: fee and commission income of Rs. 9.85 crore and fee and commission expense of Rs. 0.35 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 25.58 crore, other operating expenses of Rs. 8.28 crore and depreciation & amortisation of Rs. 2.16 crore. Reported under non-operating income/(expense): non-operating income of Rs. 3.49 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 11.21 crore and deferred tax of Rs. 0.15 crore.

SLBBL profit and loss for 2080/81

In the financial year 2080/81, Swarojgar Laghubitta Bittiya Sanstha Ltd. reported net interest income of Rs. 42.57 crore, net fee and commission income of Rs. 8.02 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.22 crore, total operating income of Rs. 50.81 crore, impairment charge/(reversal) of Rs. 6.84 crore, net operating income of Rs. 43.96 crore, operating expenses of Rs. 30.91 crore, operating profit of Rs. 13.05 crore, non-operating income/(expense) of Rs. 4.31 crore, profit before income tax of Rs. 17.36 crore, income tax expense of Rs. 6.22 crore and profit for the year of Rs. 11.14 crore.

Reported under net interest income: interest income of Rs. 109.69 crore and interest expense of Rs. 67.13 crore. Reported under net fee and commission income: fee and commission income of Rs. 8.44 crore and fee and commission expense of Rs. 0.42 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 21.93 crore, other operating expenses of Rs. 6.73 crore and depreciation & amortisation of Rs. 2.26 crore. Reported under non-operating income/(expense): non-operating income of Rs. 4.36 crore and non-operating expense of Rs. 0.06 crore. Reported under income tax expense: current tax of Rs. 6.25 crore and deferred tax of Rs. 0.03 crore.

SLBBL balance sheet for 2081/82

In the financial year 2081/82, Swarojgar Laghubitta Bittiya Sanstha Ltd. reported total assets of Rs. 1,014.97 crore, total liabilities of Rs. 891.33 crore and total equity of Rs. 123.64 crore.

Reported under total assets: cash and cash equivalents of Rs. 67.43 crore, due from nepal rastra bank of Rs. 5.75 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. 926.77 crore, investment securities of Rs. 0.1 crore, current tax assets of Rs. 1.68 crore, investment property of Rs. 0 crore, property and equipment of Rs. 3.78 crore, goodwill and intangible assets of Rs. 0 crore, deferred tax assets of Rs. 1.44 crore and other assets of Rs. 8.01 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. 449.73 crore, borrowings of Rs. 419.29 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 4.35 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 17.96 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 78.39 crore, share premium of Rs. 0 crore, retained earnings of Rs. 17.09 crore, reserves of Rs. 28.17 crore and non controlling interest of Rs. 0 crore.

SLBBL balance sheet for 2080/81

In the financial year 2080/81, Swarojgar Laghubitta Bittiya Sanstha Ltd. reported total assets of Rs. 874.69 crore, total liabilities of Rs. 773.13 crore and total equity of Rs. 101.56 crore.

Reported under total assets: cash and cash equivalents of Rs. 48.61 crore, due from nepal rastra bank of Rs. 4.85 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. 807.17 crore, investment securities of Rs. 0.1 crore, current tax assets of Rs. 4.16 crore, investment property of Rs. 0 crore, property and equipment of Rs. 3.91 crore, goodwill and intangible assets of Rs. 0.02 crore, deferred tax assets of Rs. 1.28 crore and other assets of Rs. 4.59 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. 373.36 crore, borrowings of Rs. 385.89 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 1.02 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 12.87 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 67.11 crore, share premium of Rs. 0 crore, retained earnings of Rs. 9.92 crore, reserves of Rs. 24.53 crore and non controlling interest of Rs. 0 crore.

SLBBL balance sheet for 2079/80

In the financial year 2079/80, Swarojgar Laghubitta Bittiya Sanstha Ltd. reported total assets of Rs. 699.75 crore, total liabilities of Rs. 607.98 crore and total equity of Rs. 91.77 crore.

Reported under total assets: cash and cash equivalents of Rs. 30.19 crore, due from nepal rastra bank of Rs. 4.52 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. 651.73 crore, investment securities of Rs. 0.1 crore, current tax assets of Rs. 3.11 crore, investment property of Rs. 0 crore, property and equipment of Rs. 3.96 crore, goodwill and intangible assets of Rs. 0.03 crore, deferred tax assets of Rs. 1.28 crore and other assets of Rs. 4.82 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. 333.52 crore, borrowings of Rs. 262.09 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0.01 crore, deferred tax liabilities of Rs. 0 crore, other liabilities of Rs. 12.36 crore, debt securities issued of Rs. 0 crore and subordinated liabilities of Rs. 0 crore. Reported under total equity: share capital of Rs. 62.72 crore, share premium of Rs. 0 crore, retained earnings of Rs. 4.66 crore, reserves of Rs. 24.39 crore and non controlling interest of Rs. 0 crore.

SLBBL cash flow for 2081/82

In the financial year 2081/82, Swarojgar Laghubitta Bittiya Sanstha Ltd. reported net cash flow from operating activities (a) of Rs. 51.68 crore, net cash flow from investing activities (b) of Rs. 0.12 crore, net cash flow from financing activities (c) of Rs. 32.74 crore, net increase/(decrease) in cash and cash equivalents of Rs. 18.82 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 48.61 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. 67.43 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 126.29 crore, fees and other income received of Rs. 13.34 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 34.63 crore, commission and fees paid of Rs. 0.35 crore, cash payment to employees of Rs. 24.83 crore, other expense paid of Rs. 8.28 crore, operating cash flows before changes in operating assets and liabilities of Rs. 71.54 crore, due from nepal rastra bank of Rs. 0.91 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. 120.86 crore, other assets of Rs. 3.35 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. 76.38 crore, borrowings of Rs. 33.4 crore, other liabilities of Rs. 4.22 crore, net cash flow from operating activities before tax paid of Rs. 60.42 crore and income taxes paid of Rs. 8.74 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. 0.51 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. 0.38 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. 1.96 crore, dividends paid of Rs. 0.49 crore, interest paid of Rs. 31.04 crore and other receipt/payment of Rs. 3.17 crore.

SLBBL cash flow for 2080/81

In the financial year 2080/81, Swarojgar Laghubitta Bittiya Sanstha Ltd. reported net cash flow from operating activities (a) of Rs. 58.39 crore, net cash flow from investing activities (b) of Rs. 0.37 crore, net cash flow from financing activities (c) of Rs. 39.6 crore, net increase/(decrease) in cash and cash equivalents of Rs. 18.42 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 30.19 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. 48.61 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 106.98 crore, fees and other income received of Rs. 12.8 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 30.36 crore, commission and fees paid of Rs. 0.42 crore, cash payment to employees of Rs. 21.59 crore, other expense paid of Rs. 6.78 crore, operating cash flows before changes in operating assets and liabilities of Rs. 60.63 crore, due from nepal rastra bank of Rs. 0.33 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. 158.85 crore, other assets of Rs. 0.73 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. 39.84 crore, borrowings of Rs. 123.79 crore, other liabilities of Rs. 1.33 crore, net cash flow from operating activities before tax paid of Rs. 65.69 crore and income taxes paid of Rs. 7.3 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. 0.65 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. 0.28 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. 0.23 crore, interest paid of Rs. 36.39 crore and other receipt/payment of Rs. 2.98 crore.

SLBBL cash flow for 2079/80

In the financial year 2079/80, Swarojgar Laghubitta Bittiya Sanstha Ltd. reported net cash flow from operating activities (a) of Rs. 48.48 crore, net cash flow from investing activities (b) of Rs. 0.04 crore, net cash flow from financing activities (c) of Rs. 41.98 crore, net increase/(decrease) in cash and cash equivalents of Rs. 6.55 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 23.64 crore, effect of exchange rate fluctuations on cash and cash equivalents held of Rs. 0 crore and cash and cash equivalents at ashadh end of Rs. 30.19 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 102.62 crore, fees and other income received of Rs. 12.01 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 28.31 crore, commission and fees paid of Rs. 0.29 crore, cash payment to employees of Rs. 21.51 crore, other expense paid of Rs. 6.85 crore, operating cash flows before changes in operating assets and liabilities of Rs. 57.67 crore, due from nepal rastra bank of Rs. 0.11 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. 71.31 crore, other assets of Rs. 0.17 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. 18.03 crore, borrowings of Rs. 88.1 crore, other liabilities of Rs. 4.26 crore, net cash flow from operating activities before tax paid of Rs. 54.58 crore and income taxes paid of Rs. 6.1 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. 0.41 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. 0.44 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. 0.6 crore, interest paid of Rs. 38.12 crore and other receipt/payment of Rs. 3.26 crore.

SLBBL quarterly for Q4 2082/83

In the quarter Q4 2082/83, Swarojgar Laghubitta Bittiya Sanstha Ltd. reported net interest income of Rs. 22.03 crore, net fee and commission income of Rs. 2.71 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 24.74 crore, impairment charge/(reversal) of Rs. 0.3 crore, net operating income of Rs. 25.04 crore, operating expenses of Rs. 10.86 crore, operating profit of Rs. 14.18 crore, non-operating income/(expense) of Rs. 0.36 crore, profit before income tax of Rs. 14.54 crore, income tax expense of Rs. 4.39 crore and profit for the year of Rs. 10.15 crore.

Reported under net interest income: interest income of Rs. 38.94 crore and interest expense of Rs. 16.91 crore. Reported under net fee and commission income: fee and commission income of Rs. 2.74 crore and fee and commission expense of Rs. 0.03 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 7.8 crore, other operating expenses of Rs. 2.47 crore and depreciation & amortisation of Rs. 0.59 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.41 crore and non-operating expense of Rs. 0.05 crore. Reported under income tax expense: current tax of Rs. 4.39 crore and deferred tax of Rs. 0 crore.

SLBBL quarterly for Q3 2082/83

In the quarter Q3 2082/83, Swarojgar Laghubitta Bittiya Sanstha Ltd. reported net interest income of Rs. 18.95 crore, net fee and commission income of Rs. 3.21 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 22.16 crore, impairment charge/(reversal) of Rs. 0.54 crore, net operating income of Rs. 21.62 crore, operating expenses of Rs. 10 crore, operating profit of Rs. 11.62 crore, non-operating income/(expense) of Rs. 0.33 crore, profit before income tax of Rs. 11.96 crore, income tax expense of Rs. 3.68 crore and profit for the year of Rs. 8.27 crore.

Reported under net interest income: interest income of Rs. 35.17 crore and interest expense of Rs. 16.22 crore. Reported under net fee and commission income: fee and commission income of Rs. 3.24 crore and fee and commission expense of Rs. 0.03 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 7.15 crore, other operating expenses of Rs. 2.25 crore and depreciation & amortisation of Rs. 0.6 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.34 crore and non-operating expense of Rs. 0.01 crore. Reported under income tax expense: current tax of Rs. 3.68 crore and deferred tax of Rs. 0 crore.

SLBBL quarterly for Q2 2082/83

In the quarter Q2 2082/83, Swarojgar Laghubitta Bittiya Sanstha Ltd. reported net interest income of Rs. 17.17 crore, net fee and commission income of Rs. 2.79 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 19.96 crore, impairment charge/(reversal) of Rs. 0.89 crore, net operating income of Rs. 20.85 crore, operating expenses of Rs. 9.91 crore, operating profit of Rs. 10.94 crore, non-operating income/(expense) of Rs. 0.35 crore, profit before income tax of Rs. 11.28 crore, income tax expense of Rs. 3.6 crore and profit for the year of Rs. 7.68 crore.

Reported under net interest income: interest income of Rs. 33.36 crore and interest expense of Rs. 16.2 crore. Reported under net fee and commission income: fee and commission income of Rs. 2.79 crore and fee and commission expense of Rs. 0.01 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 7.17 crore, other operating expenses of Rs. 1.89 crore and depreciation & amortisation of Rs. 0.85 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.36 crore and non-operating expense of Rs. 0.01 crore. Reported under income tax expense: current tax of Rs. 3.6 crore and deferred tax of Rs. 0 crore.

SLBBL quarterly for Q1 2082/83

In the quarter Q1 2082/83, Swarojgar Laghubitta Bittiya Sanstha Ltd. reported net interest income of Rs. 17.73 crore, net fee and commission income of Rs. 2.4 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0 crore, total operating income of Rs. 20.13 crore, impairment charge/(reversal) of Rs. 2.37 crore, net operating income of Rs. 17.76 crore, operating expenses of Rs. 10.9 crore, operating profit of Rs. 6.86 crore, non-operating income/(expense) of Rs. 0.42 crore, profit before income tax of Rs. 7.28 crore, income tax expense of Rs. 2.22 crore and profit for the year of Rs. 5.06 crore.

Reported under net interest income: interest income of Rs. 33.85 crore and interest expense of Rs. 16.12 crore. Reported under net fee and commission income: fee and commission income of Rs. 2.42 crore and fee and commission expense of Rs. 0.02 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 8.23 crore, other operating expenses of Rs. 2.38 crore and depreciation & amortisation of Rs. 0.28 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.42 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 2.22 crore and deferred tax of Rs. 0 crore.

SLBBL Profit & Loss

Values in Rs. Crore unless stated otherwise.

SLBBL Balance Sheet

Values in Rs. Crore unless stated otherwise.

SLBBL Cash Flow

Values in Rs. Crore unless stated otherwise.

SLBBL Quarterly Results

Values in Rs. Crore unless stated otherwise.

Swarojgar share price history

Over the last 15 trading sessions SLBBL closed between Rs. 807.10 and Rs. 829.00, finishing at Rs. 829.00 on 2026-10-12 against Rs. 825.00 on 2026-09-18.

SLBBL share price by year

2026, between Rs. 761.90 and Rs. 912.90, 2025, between Rs. 679.40 and Rs. 1,010.94, 2024, between Rs. 417.20 and Rs. 963.96, 2023, between Rs. 376.93 and Rs. 658.69, 2022, between Rs. 428.89 and Rs. 763.84 and 2021, between Rs. 458.35 and Rs. 796.33.

Swarojgar share price returns

At Rs. 829.00 on 2026-10-12, SLBBL is up 1.10% over 1 week, up 4.83% over 1 month, up 5.85% over 3 months, down 1.31% over 6 months, up 12.75% over 1 year and up 13.54% over 5 years. Each return compares that close with the last close on or before the same date in the earlier period.

SLBBL floorsheet for 2026-10-12

SLBBL traded 46 times on 2026-10-12, moving 2,367 shares for Rs. 0.2 crore of turnover. Trades went through between Rs. 810.00 and Rs. 834.00.

Largest buyers by volume: broker 20, Sipla Securities Pvt. Limited on 640 shares across 2 trades, broker 82, N.M.B. Securities Limited on 600 shares across 10 trades, broker 84, Milky Way Share Broker Company Ltd on 448 shares across 2 trades, broker 29, Trishul Securities And Investment Limited on 268 shares across 5 trades, broker 43, South Asian Bulls Pvt.Limited on 144 shares across 11 trades, broker 42, Sani Securities Company Limited on 100 shares across 4 trades, broker 47, Neev Securities Pvt.Ltd on 55 shares across 2 trades, broker 11, Malla & Malla Stock Broking Company Pvt. Limited on 50 shares across 5 trades, broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 30 shares across 1 trades and broker 45, Imperial Securities Co. Limited on 10 shares across 1 trades.

Largest sellers by volume: broker 58, Naasa Securities Co. Ltd. on 822 shares across 11 trades, broker 57, Arya Tara Investment And Securities Pvt. Ltd. on 350 shares across 2 trades, broker 42, Sani Securities Company Limited on 251 shares across 4 trades, broker 25, Sweta Securities Pvt. Limited on 248 shares across 1 trades, broker 46, Kalika Securities Pvt.Limited on 112 shares across 2 trades, broker 17, ABC Securities Pvt. Limited on 100 shares across 1 trades, broker 39, Sumeru Securities Pvt.Limited on 100 shares across 2 trades, broker 34, Vision Securities Pvt.Limited on 77 shares across 1 trades, broker 43, South Asian Bulls Pvt.Limited on 62 shares across 3 trades and broker 22, Siprabi Securities Pvt. Limited on 38 shares across 1 trades.

SLBBL dividend history: bonus shares and cash dividend

Swarojgar Laghubitta Bittiya Sanstha Ltd. most recently declared a 14.25% bonus share issue for 2081/2082, announced on 2025-12-25. Percentages are of paid up value. Declared, not necessarily paid: a dividend is subject to the annual general meeting approving it.

For 2081/2082 Swarojgar Laghubitta Bittiya Sanstha Ltd. declared a 14.25% bonus share issue, announced on 2025-12-25.

For 2080/2081 Swarojgar Laghubitta Bittiya Sanstha Ltd. declared a 13.5% bonus share issue, announced on 2025-04-16.

For 2079/2080 Swarojgar Laghubitta Bittiya Sanstha Ltd. declared a 7% bonus share issue, announced on 2024-02-15.

For 2078/2079 Swarojgar Laghubitta Bittiya Sanstha Ltd. declared a 22% bonus share issue, announced on 2023-03-02.

SLBBL general meetings

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

• SGM for 2081/2082: on 2026-05-15, at Panchakanya Banquet, Pulbazar, Banepa (11:30 AM)
• 17th AGM for 2081/2082: on 2026-01-17, at Nepal Pragya Pratisthan, Kamaladi, Kathmandu (11:30 AM)
• 16th AGM for 2080/2081: on 2025-05-12, at Nepal Pragya Pratisthan, Kamaladi, Kathmandu (11:30 AM)

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

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