Swabhimaan Laghubitta Bittiya Sanstha Limited (SMFBS) Share Price & Fundamentals

Swabhimaan (SMFBS) share price is Rs. 1,420.00, down 0.70% on 2026-09-22. Open Rs. 1,400.00. High Rs. 1,425.00. Low Rs. 1,393.00. Volume 1,007.

Swabhimaan Laghubitta Bittiya Sanstha Limited is a NEPSE-listed company (SMFBS), Microfinance sector. Revenue: Rs. 28.33 Crore. Net profit: Rs. 5.18 Crore. Net worth: Rs. 25.12 Crore.

About Swabhimaan Laghubitta Bittiya Sanstha Limited

Provincial-level 'D'-class microfinance financial institution licensed by Nepal Rastra Bank, headquartered at Tilottama-5, Rupandehi. Operates 36 branch offices across seven districts of Lumbini Province, serving approximately 40,719 low-income households as at Q3 2082/83 (39,263 at Q2; 37,517 at Q1).

Swabhimaan Laghubitta Bittiya Sanstha Limited (SMFBS) has 15,34,455 shares outstanding. Its most recent declared dividend was 0.50% on face value.

SMFBS key metrics

Market Cap	Rs. 219.27 Crore
P/E Ratio	54.02
P/E Ratio (TTM)	42.32
EPS	Rs. 26.46
EPS (TTM)	Rs. 33.77
Book Value	Rs. 163.73
Dividend Yield	0.03%
Face Value	Rs. 100.00
52 Week High	Rs. 1,808.00
52 Week Low	Rs. 1,285.00

SMFBS strengths

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

Makes 6.4% on its assets from the gap between what it charges borrowers and pays savers. (Margins & Income Quality)
Profit grew 27.7% on last year. (Growth)
Customer deposits grew 27.3% on last year, giving it more cheap money to lend. (Growth)
Income from lending grew 21% on last year, so the core business is expanding. (Growth)
Total income grew 24.8% on last year. (Growth)
The loan book grew 22.7% on last year, so more money is being put to work. (Growth)
Earns 16.2% a year on the money shareholders put in, which is the return owners actually receive. (Profitability)
The bank grew 23.8% bigger over the year. (Shareholder Returns)
83.8% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
Each share earned Rs 33.77 of profit over the year. (Shareholder Returns)

SMFBS weaknesses

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

Only 31.2% of funding comes from deposits, so it relies on costlier borrowing. (Liquidity & Funding)
16.7% of income is lost to loans going bad, which eats directly into profit. (Asset Quality)
Only 1.3% of income comes from fees, so it leans heavily on lending. (Margins & Income Quality)
Staff costs take 37% of income, a heavy load on earnings. (Efficiency)
Loans are 91.6% of what the bank owns, so most of its risk sits in lending. (Asset Quality)
Operating margin is 26.1%, so running costs take too much of what core banking earns. (Profitability)
Owns 12.3x for every rupee shareholders put in. A high multiple magnifies losses as well as gains. (Capital Strength)
66.7% of funding is borrowed, which costs more and can dry up in a crisis. (Liquidity & Funding)
Return on everything it owns is 1.3%, so its assets are not producing much. (Profitability)
Only 8.1% of what it owns belongs to shareholders, so there is less cushion for losses. (Capital Strength)
Net profit margin is 18.3%, less than most lenders keep once every cost is paid. (Profitability)
Each share is backed by only Rs 163.73 of net worth. (Shareholder Returns)

SMFBS Q4 2082/83 results

In Q4 2082/83 Swabhimaan Laghubitta Bittiya Sanstha Limited reported profit of Rs. 0.81 crore and total operating income of Rs. 6.87 crore. Profit in Q3 2082/83 was Rs. 1.44 crore. Profit fell 43.73% on the previous quarter. Total operating income fell 0.98% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was Rs. 5.27 crore. Profit fell 84.57% on the same quarter last year. Total operating income fell 27.94% on the same quarter last year.

SMFBS annual results 2082/83

For the financial year 2082/83 Swabhimaan Laghubitta Bittiya Sanstha Limited reported net profit of Rs. 5.18 crore, total operating income of Rs. 28.33 crore and net worth of Rs. 25.12 crore. Net profit in 2081/82 was Rs. 4.06 crore. Net profit grew 27.65% on the year. Total operating income grew 24.77% on the year.

SMFBS profit and loss for 2082/83

In the financial year 2082/83, Swabhimaan Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 23.74 crore, net fee and commission income of Rs. 0.37 crore, other operating income of Rs. 4.22 crore, total operating income of Rs. 28.33 crore, impairment charge/(reversal) of Rs. 4.73 crore, net operating income of Rs. 23.6 crore, operating expenses of Rs. 16.19 crore, operating profit of Rs. 7.4 crore, profit before income tax of Rs. 7.4 crore, income tax expense of Rs. 2.22 crore and profit for the year of Rs. 5.18 crore.

Reported under net interest income: interest income of Rs. 41.96 crore and interest expense of Rs. 18.22 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.37 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 10.48 crore, other operating expenses of Rs. 5.38 crore and depreciation & amortisation of Rs. 0.34 crore. Reported under income tax expense: current tax of Rs. 2.22 crore.

SMFBS profit and loss for 2081/82

In the financial year 2081/82, Swabhimaan Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 19.62 crore, net fee and commission income of Rs. 3.06 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.02 crore, total operating income of Rs. 22.7 crore, impairment charge/(reversal) of Rs. 2.87 crore, net operating income of Rs. 19.83 crore, operating expenses of Rs. 13.33 crore, operating profit of Rs. 6.5 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 6.5 crore, income tax expense of Rs. 2.44 crore and profit for the year of Rs. 4.06 crore.

Reported under net interest income: interest income of Rs. 39.17 crore and interest expense of Rs. 19.55 crore. Reported under net fee and commission income: fee and commission income of Rs. 3.06 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 10.07 crore, other operating expenses of Rs. 2.52 crore and depreciation & amortisation of Rs. 0.74 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 2.38 crore and deferred tax of Rs. 0.06 crore.

SMFBS profit and loss for 2080/81

In the financial year 2080/81, Swabhimaan Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 10.98 crore, net fee and commission income of Rs. 2.53 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.02 crore, total operating income of Rs. 13.53 crore, impairment charge/(reversal) of Rs. 2.28 crore, net operating income of Rs. 11.25 crore, operating expenses of Rs. 10.48 crore, operating profit of Rs. 0.77 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 0.77 crore, income tax expense of Rs. 0.22 crore and profit for the year of Rs. 0.55 crore.

Reported under net interest income: interest income of Rs. 32.07 crore and interest expense of Rs. 21.1 crore. Reported under net fee and commission income: fee and commission income of Rs. 2.53 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 7.89 crore, other operating expenses of Rs. 1.87 crore and depreciation & amortisation of Rs. 0.72 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. 0.12 crore and deferred tax of Rs. 0.1 crore.

SMFBS balance sheet for 2081/82

In the financial year 2081/82, Swabhimaan Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 309 crore, total liabilities of Rs. 283.88 crore and total equity of Rs. 25.12 crore.

Reported under total assets: cash and cash equivalents of Rs. 19.3 crore, due from nepal rastra bank of Rs. 1.42 crore, loans and advances to customers of Rs. 283.13 crore, investment securities of Rs. 0 crore, current tax assets of Rs. 0.18 crore, property and equipment of Rs. 4.47 crore, goodwill and intangible assets of Rs. 0.08 crore, deferred tax assets of Rs. 0 crore and other assets of Rs. 0.43 crore. Reported under total liabilities: deposits from customers of Rs. 88.44 crore, borrowings of Rs. 189.35 crore, current tax liabilities of Rs. 0 crore, deferred tax liabilities of Rs. 0.12 crore and other liabilities of Rs. 5.97 crore. Reported under total equity: share capital of Rs. 15.34 crore, share premium of Rs. 0 crore, retained earnings of Rs. 3.88 crore and reserves of Rs. 5.9 crore.

SMFBS balance sheet for 2080/81

In the financial year 2080/81, Swabhimaan Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 249.65 crore, total liabilities of Rs. 229.56 crore and total equity of Rs. 20.09 crore.

Reported under total assets: cash and cash equivalents of Rs. 13.53 crore, due from nepal rastra bank of Rs. 0 crore, loans and advances to customers of Rs. 230.75 crore, investment securities of Rs. 0.15 crore, current tax assets of Rs. 0 crore, property and equipment of Rs. 2.76 crore, goodwill and intangible assets of Rs. 0 crore, deferred tax assets of Rs. 0 crore and other assets of Rs. 2.47 crore. Reported under total liabilities: deposits from customers of Rs. 69.48 crore, borrowings of Rs. 157.2 crore, current tax liabilities of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore and other liabilities of Rs. 2.88 crore. Reported under total equity: share capital of Rs. 15.34 crore, share premium of Rs. 0 crore, retained earnings of Rs. 0.77 crore and reserves of Rs. 3.97 crore.

SMFBS balance sheet for 2079/80

In the financial year 2079/80, Swabhimaan Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 232.72 crore, total liabilities of Rs. 212.79 crore and total equity of Rs. 19.93 crore.

Reported under total assets: cash and cash equivalents of Rs. 22.38 crore, due from nepal rastra bank of Rs. 0 crore, loans and advances to customers of Rs. 204.48 crore, investment securities of Rs. 0.15 crore, current tax assets of Rs. 0 crore, property and equipment of Rs. 2.83 crore, goodwill and intangible assets of Rs. 0 crore, deferred tax assets of Rs. 0 crore and other assets of Rs. 2.88 crore. Reported under total liabilities: deposits from customers of Rs. 67.13 crore, borrowings of Rs. 142.51 crore, current tax liabilities of Rs. 0 crore, deferred tax liabilities of Rs. 0 crore and other liabilities of Rs. 3.15 crore. Reported under total equity: share capital of Rs. 14.61 crore, share premium of Rs. 0 crore, retained earnings of Rs. 1.34 crore and reserves of Rs. 3.98 crore.

SMFBS cash flow for 2081/82

In the financial year 2081/82, Swabhimaan Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 7.98 crore, net cash flow from investing activities (b) of Rs. 0.92 crore, net cash flow from financing activities (c) of Rs. 0.11 crore, net increase/(decrease) in cash and cash equivalents of Rs. 6.95 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 12.35 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. 19.3 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 38.69 crore, fees and other income received of Rs. 3.06 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0.02 crore, interest paid of Rs. 19.55 crore, commission and fees paid of Rs. 0 crore, cash payment to employees of Rs. 10.07 crore, other expense paid of Rs. 5.39 crore, operating cash flows before changes in operating assets and liabilities of Rs. 6.76 crore, due from nepal rastra bank of Rs. 0.24 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. 48.98 crore, other assets of Rs. 0.03 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. 18.96 crore, borrowings of Rs. 32.14 crore, other liabilities of Rs. 1.41 crore, net cash flow from operating activities before tax paid of Rs. 10.02 crore and income taxes paid of Rs. 2.04 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. 0.95 crore, receipt from sale of property and equipment of Rs. 0 crore, purchase of intangible assets of Rs. 0.03 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. 0.04 crore, interest paid of Rs. 0 crore and other receipt/payment of Rs. 0.07 crore.

SMFBS cash flow for 2080/81

In the financial year 2080/81, Swabhimaan Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 8.69 crore, net cash flow from investing activities (b) of Rs. 0.23 crore, net cash flow from financing activities (c) of Rs. 0.04 crore, net increase/(decrease) in cash and cash equivalents of Rs. 8.96 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 21.3 crore, effect of exchange rate fluctuations on cash and cash equivalents held of Rs. 0 crore and cash and cash equivalents at ashadh end of Rs. 12.35 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 31.59 crore, fees and other income received of Rs. 2.53 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0.02 crore, interest paid of Rs. 21.1 crore, commission and fees paid of Rs. 0 crore, cash payment to employees of Rs. 7.89 crore, other expense paid of Rs. 4.15 crore, operating cash flows before changes in operating assets and liabilities of Rs. 1 crore, due from nepal rastra bank of Rs. 0.1 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. 26.09 crore, other assets of Rs. 0 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. 2.35 crore, borrowings of Rs. 14.69 crore, other liabilities of Rs. 0.51 crore, net cash flow from operating activities before tax paid of Rs. 8.65 crore and income taxes paid of Rs. 0.04 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. 0.26 crore, receipt from sale of property and equipment of Rs. 0 crore, purchase of intangible assets of Rs. 0.02 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. 0.04 crore.

SMFBS cash flow for 2079/80

In the financial year 2079/80, Swabhimaan Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 12.48 crore, net cash flow from investing activities (b) of Rs. 0.02 crore, net cash flow from financing activities (c) of Rs. 0.2 crore, net increase/(decrease) in cash and cash equivalents of Rs. 12.3 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 10.09 crore, effect of exchange rate fluctuations on cash and cash equivalents held of Rs. 0 crore and cash and cash equivalents at ashadh end of Rs. 22.38 crore.

Reported under net cash flow from operating activities (a): interest received of Rs. 30.99 crore, fees and other income received of Rs. 10.18 crore, dividend received of Rs. 0 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 21.35 crore, commission and fees paid of Rs. 0 crore, cash payment to employees of Rs. 7.25 crore, other expense paid of Rs. 11.17 crore, operating cash flows before changes in operating assets and liabilities of Rs. 1.4 crore, due from nepal rastra bank of Rs. 0 crore, placement with banks and financial institutions of Rs. 0.1 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. 2.3 crore, other assets of Rs. 0.18 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. 0.33 crore, borrowings of Rs. 9.73 crore, other liabilities of Rs. 0.52 crore, net cash flow from operating activities before tax paid of Rs. 12.96 crore and income taxes paid of Rs. 0.48 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. 0.02 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. 0.2 crore.

SMFBS quarterly for Q4 2082/83

In the quarter Q4 2082/83, Swabhimaan Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 6.19 crore, net fee and commission income of Rs. 0.1 crore, other operating income of Rs. 0.58 crore, total operating income of Rs. 6.87 crore, impairment charge/(reversal) of Rs. 2.07 crore, net operating income of Rs. 4.79 crore, operating expenses of Rs. 3.63 crore, operating profit of Rs. 1.16 crore, profit before income tax of Rs. 1.16 crore, income tax expense of Rs. 0.35 crore and profit for the year of Rs. 0.81 crore.

Reported under net interest income: interest income of Rs. 10.67 crore and interest expense of Rs. 4.48 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.1 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 2.56 crore, other operating expenses of Rs. 0.98 crore and depreciation & amortisation of Rs. 0.09 crore. Reported under income tax expense: current tax of Rs. 0.35 crore.

SMFBS quarterly for Q3 2082/83

In the quarter Q3 2082/83, Swabhimaan Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 6.01 crore, net fee and commission income of Rs. 0.09 crore, net trading income of Rs. 0 crore, other operating income of Rs. 0.83 crore, total operating income of Rs. 6.93 crore, impairment charge/(reversal) of Rs. 1.51 crore, net operating income of Rs. 5.42 crore, operating expenses of Rs. 3.36 crore, operating profit of Rs. 2.06 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 2.06 crore, income tax expense of Rs. 0.62 crore and profit for the year of Rs. 1.44 crore.

Reported under net interest income: interest income of Rs. 10.4 crore and interest expense of Rs. 4.39 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.09 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 2.59 crore, other operating expenses of Rs. 0.68 crore and depreciation & amortisation of Rs. 0.09 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 0.62 crore and deferred tax of Rs. 0 crore.

SMFBS quarterly for Q2 2082/83

In the quarter Q2 2082/83, Swabhimaan Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 6.26 crore, net fee and commission income of Rs. 0.1 crore, net trading income of Rs. 0 crore, other operating income of Rs. 1.27 crore, total operating income of Rs. 7.63 crore, impairment charge/(reversal) of Rs. 0.45 crore, net operating income of Rs. 7.19 crore, operating expenses of Rs. 4.15 crore, operating profit of Rs. 3.03 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 3.03 crore, income tax expense of Rs. 0.91 crore and profit for the year of Rs. 2.12 crore.

Reported under net interest income: interest income of Rs. 10.65 crore and interest expense of Rs. 4.39 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.1 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 2.77 crore, other operating expenses of Rs. 1.3 crore and depreciation & amortisation of Rs. 0.08 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. 0.91 crore and deferred tax of Rs. 0 crore.

SMFBS quarterly for Q1 2082/83

In the quarter Q1 2082/83, Swabhimaan Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 5.27 crore, net fee and commission income of Rs. 0.08 crore, net trading income of Rs. 0 crore, other operating income of Rs. 1.55 crore, total operating income of Rs. 6.89 crore, impairment charge/(reversal) of Rs. 0.7 crore, net operating income of Rs. 6.19 crore, operating expenses of Rs. 5.05 crore, operating profit of Rs. 1.15 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 1.15 crore, income tax expense of Rs. 0.34 crore and profit for the year of Rs. 0.8 crore.

Reported under net interest income: interest income of Rs. 10.23 crore and interest expense of Rs. 4.96 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.08 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 2.56 crore, other operating expenses of Rs. 2.41 crore and depreciation & amortisation of Rs. 0.08 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. 0.34 crore and deferred tax of Rs. 0 crore.

SMFBS Profit & Loss

Values in Rs. Crore unless stated otherwise.

Particulars	2082/83	2081/82	2080/81	2079/80	2078/79	2077/78
Net Interest Income	23.7	19.6	11.0	9.6	13.1	11.3
Interest Income	42.0	39.2	32.1	31.0	28.3	19.0
Interest Expense	-18.2	-19.6	-21.1	-21.3	-15.3	-7.7
Net Fee and Commission Income	0.37	3.1	2.5	2.4	2.6	3.3
Fee and Commission Income	0.37	3.1	2.5	2.4	2.6	3.3
Fee and Commission Expense	Not reported	0.00	0.00	0.00	0.00	0.00
Net Trading Income	Not reported	0.00	0.00	0.00	0.00	0.00
Other Operating Income	4.2	0.02	0.02	0.00	0.00	0.00
Total Operating Income	28.3	22.7	13.5	12.1	15.7	14.6
Impairment Charge/(Reversal)	-4.7	-2.9	-2.3	-0.58	-0.05	0.27
Net Operating Income	23.6	19.8	11.2	11.5	15.6	14.9
Operating Expenses	-16.2	-13.3	-10.5	-9.9	-9.1	-6.6
Operating Expense - Personnel Expenses	-10.5	-10.1	-7.9	-7.3	-6.5	-4.4
Other Operating Expenses	-5.4	-2.5	-1.9	-2.7	-2.6	-2.2
Depreciation & Amortisation	-0.34	-0.74	-0.72	0.00	0.00	0.00
Operating Profit	7.4	6.5	0.77	1.6	6.5	8.3
Non-Operating Income/(Expense)	Not reported	0.00	0.00	0.00	0.00	0.00
Non-Operating Income	Not reported	0.00	0.00	0.00	0.00	0.00
Non-Operating Expense	Not reported	0.00	0.00	0.00	0.00	0.00
Profit Before Income Tax	7.4	6.5	0.77	1.6	6.5	8.3
Staff Bonus	Not reported	Not reported	Not reported	-0.16	-0.65	-0.73
Income Tax Expense	-2.2	-2.4	-0.22	-0.48	-1.8	-2.4
Current Tax	-2.2	-2.4	-0.12	-0.44	-1.8	-2.3
Deferred Tax	Not reported	-0.06	-0.10	-0.04	-0.03	-0.03
Profit for the Year	5.2	4.1	0.55	0.92	4.0	5.2

SMFBS Balance Sheet

Values in Rs. Crore unless stated otherwise.

Particulars	2081/82	2080/81	2079/80	2078/79	2077/78	2076/77
Total Assets	309	250	233	222	174	111
Cash and Cash Equivalents	19.3	13.5	22.4	10.1	11.5	8.3
Due from Nepal Rastra Bank	1.4	0.00	0.00	0.00	0.00	0.00
Loans and Advances to Customers	283	231	204	207	148	101
Investment Securities	0.00	0.15	0.15	0.05	10.0	0.00
Current Tax Assets	0.18	0.00	0.00	0.00	0.00	0.00
Property and Equipment	4.5	2.8	2.8	2.9	2.8	0.81
Goodwill and Intangible Assets	0.08	0.00	0.00	0.00	0.00	0.00
Deferred Tax Assets	0.00	0.00	0.00	0.00	0.00	0.00
Other Assets	0.43	2.5	2.9	2.7	1.8	0.94
Total Liabilities	284	230	213	203	159	101
Deposits from Customers	88.4	69.5	67.1	66.8	51.4	37.0
Borrowings	189	157	143	133	105	62.5
Current Tax Liabilities	0.00	0.00	0.00	0.07	0.25	0.05
Deferred Tax Liabilities	0.12	0.00	0.00	0.00	0.00	0.00
Other Liabilities	6.0	2.9	3.1	3.7	2.3	1.1
Total Equity	25.1	20.1	19.9	19.1	15.4	10.4
Share Capital	15.3	15.3	14.6	14.6	12.2	9.2
Share Premium	0.00	0.00	0.00	0.00	0.00	0.00
Retained Earnings	3.9	0.77	1.3	0.58	0.04	0.02
Reserves	5.9	4.0	4.0	3.9	3.2	1.2

SMFBS Cash Flow

Values in Rs. Crore unless stated otherwise.

Particulars	2081/82	2080/81	2079/80	2078/79	2077/78	2076/77
Net Cash Flow from Operating Activities (A)	8.0	-8.7	12.5	-1.0	5.4	4.4
Interest Received	38.7	31.6	31.0	28.3	19.0	16.3
Fees and Other Income Received	3.1	2.5	10.2	4.3	21.3	3.3
Dividend Received	0.00	0.00	0.00	0.00	0.00	0.00
Receipts from Other Operating Activities	0.02	0.02	0.00	0.00	0.00	0.00
Interest Paid	-19.6	-21.1	-21.3	-15.3	-7.7	-9.1
Commission and Fees Paid	0.00	0.00	0.00	0.00	0.00	0.00
Cash Payment to Employees	-10.1	-7.9	-7.3	-6.5	-4.4	-3.6
Other Expense Paid	-5.4	-4.1	-11.2	-5.0	-20.7	-3.7
Operating Cash Flows Before Changes in Operating Assets and Liabilities	6.8	1.0	1.4	5.9	7.5	3.1
Due from Nepal Rastra Bank	-0.24	-0.10	0.00	0.00	0.00	0.00
Placement with Banks and Financial Institutions	0.00	0.00	-0.10	9.9	-10.0	0.00
Other Trading Assets	0.00	0.00	0.00	0.00	0.00	0.00
Loan and Advances to Banks and Financial Institutions	0.00	0.00	0.00	0.00	0.00	0.00
Loan and Advances to Customers	-49.0	-26.1	2.3	-58.8	-47.0	-21.8
Other Assets	-0.03	0.00	-0.18	-0.87	-0.89	0.33
Due to Banks and Financial Institutions	0.00	0.00	0.00	0.00	0.00	0.00
Due to Nepal Rastra Bank	0.00	0.00	0.00	0.00	0.00	0.00
Deposit from Customers	19.0	2.3	0.33	15.4	14.4	9.2
Borrowings	32.1	14.7	9.7	27.9	42.3	14.9
Other Liabilities	1.4	-0.51	-0.52	1.3	1.4	-0.41
Net Cash Flow from Operating Activities Before Tax Paid	10.0	-8.7	13.0	0.81	7.7	5.4
Income Taxes Paid	-2.0	-0.04	-0.48	-1.8	-2.2	-0.95
Net Cash Flow from Investing Activities (B)	-0.92	-0.23	0.02	-0.03	-2.0	-0.05
Purchase of Investment Securities	0.00	0.00	0.00	0.00	0.00	0.00
Receipts from Sale of Investment Securities	0.00	0.00	0.00	0.00	0.00	0.00
Purchase of Property and Equipment	-0.95	-0.26	0.02	-0.03	-2.0	-0.05
Receipt from Sale of Property and Equipment	0.00	0.00	0.00	0.00	0.00	0.00
Purchase of Intangible Assets	0.03	0.02	0.00	0.00	0.00	0.00
Receipt from Sale of Intangible Assets	0.00	0.00	0.00	0.00	0.00	0.00
Purchase of Investment Properties	0.00	0.00	0.00	0.00	0.00	0.00
Receipt from Sale of Investment Properties	0.00	0.00	0.00	0.00	0.00	0.00
Interest Received	0.00	0.00	0.00	0.00	0.00	0.00
Dividend Received	0.00	0.00	0.00	0.00	0.00	0.00
Net Cash Flow from Financing Activities (C)	-0.11	-0.04	-0.20	-0.39	-0.14	-0.12
Receipt from Issue of Debt Securities	0.00	0.00	0.00	0.00	0.00	0.00
Repayment of Debt Securities	0.00	0.00	0.00	0.00	0.00	0.00
Receipt from Issue of Subordinated Liabilities	0.00	0.00	0.00	0.00	0.00	0.00
Repayment of Subordinated Liabilities	0.00	0.00	0.00	0.00	0.00	0.00
Receipt from Issue of Shares	0.00	0.00	0.00	2.4	3.0	1.5
Dividends Paid	-0.04	0.00	0.00	0.00	0.00	0.00
Interest Paid	0.00	0.00	0.00	0.00	0.00	0.00
Other Receipt/Payment	-0.07	-0.04	-0.20	-2.8	-3.1	-1.7
Net Increase/(Decrease) in Cash and Cash Equivalents	7.0	-9.0	12.3	-1.5	3.3	4.3
Cash and Cash Equivalents at Shrawan 01 (Beginning of the Year)	12.3	21.3	10.1	11.5	8.3	4.0
Effect of Exchange Rate Fluctuations on Cash and Cash Equivalents Held	0.00	0.00	0.00	0.00	0.00	0.00
Cash and Cash Equivalents at Ashadh End	19.3	12.3	22.4	10.1	11.5	8.3

SMFBS Quarterly Results

Values in Rs. Crore unless stated otherwise.

Particulars	Q4 2082/83	Q3 2082/83	Q2 2082/83	Q1 2082/83	Q4 2081/82	Q3 2081/82	Q2 2081/82	Q1 2081/82	Q4 2080/81	Q3 2080/81	Q2 2080/81	Q1 2080/81
Net Interest Income	6.2	6.0	6.3	5.3	8.7	4.7	5.8	1.4	4.5	2.2	3.5	0.32
Interest Income	10.7	10.4	10.7	10.2	13.5	9.6	10.8	6.2	9.7	7.3	8.9	5.6
Interest Expense	-4.5	-4.4	-4.4	-5.0	-4.9	-4.9	-5.0	-4.8	-5.2	-5.1	-5.4	-5.3
Net Fee and Commission Income	0.10	0.09	0.10	0.08	2.8	0.09	0.09	0.08	0.13	0.11	0.08	0.12
Fee and Commission Income	0.10	0.09	0.10	0.08	2.8	0.09	0.09	0.08	0.13	0.11	0.08	0.12
Fee and Commission Expense	Not reported	0.00	0.00	0.00	0.00	0.00	0.00	0.00	Not reported	Not reported	Not reported	Not reported
Net Trading Income	Not reported	0.00	0.00	0.00	0.00	0.00	0.00	0.00	Not reported	Not reported	Not reported	Not reported
Other Operating Income	0.58	0.83	1.3	1.5	-1.9	0.59	0.77	0.58	0.78	0.77	0.95	0.78
Total Operating Income	6.9	6.9	7.6	6.9	9.5	5.4	6.6	2.0	5.4	3.1	4.5	1.2
Impairment Charge/(Reversal)	-2.1	-1.5	-0.45	-0.70	5.1	0.19	0.80	-0.20	0.33	-0.23	0.01	-0.34
Net Operating Income	4.8	5.4	7.2	6.2	14.7	5.6	7.4	1.8	5.7	2.9	4.5	0.88
Operating Expenses	-3.6	-3.4	-4.2	-5.0	-4.6	-3.4	-3.3	-3.0	-2.4	-2.7	-2.4	-2.9
Operating Expense - Personnel Expenses	-2.6	-2.6	-2.8	-2.6	-3.6	-2.6	-2.6	-2.3	-1.6	-2.0	-2.0	-2.2
Other Operating Expenses	-0.98	-0.68	-1.3	-2.4	-0.93	-0.66	-0.68	-0.66	-0.74	-0.67	-0.43	-0.69
Depreciation & Amortisation	-0.09	-0.09	-0.08	-0.08	-0.09	-0.08	-0.07	-0.07	0.00	0.00	0.00	0.00
Operating Profit	1.2	2.1	3.0	1.1	10.1	2.2	4.1	-1.2	3.3	0.20	2.1	-2.0
Non-Operating Income/(Expense)	Not reported	0.00	0.00	0.00	-4.8	0.00	0.00	0.00	Not reported	Not reported	Not reported	Not reported
Non-Operating Income	Not reported	0.00	0.00	0.00	-4.8	0.00	0.00	0.00	Not reported	Not reported	Not reported	Not reported
Non-Operating Expense	Not reported	0.00	0.00	0.00	0.00	0.00	0.00	0.00	Not reported	Not reported	Not reported	Not reported
Profit Before Income Tax	1.2	2.1	3.0	1.1	5.3	2.2	4.1	-1.2	3.3	0.20	2.1	-2.0
Staff Bonus	Not reported	Not reported	Not reported	Not reported	Not reported	Not reported	Not reported	Not reported	-0.33	-0.02	-0.01	Not reported
Income Tax Expense	-0.35	-0.62	-0.91	-0.34	0.00	-0.66	-0.87	0.00	-0.90	-0.05	-0.02	0.00
Current Tax	-0.35	-0.62	-0.91	-0.34	0.00	-0.66	-0.87	0.00	-0.90	-0.05	-0.02	0.00
Deferred Tax	Not reported	0.00	0.00	0.00	0.00	0.00	0.00	0.00	Not reported	Not reported	Not reported	Not reported
Profit for the Year	0.81	1.4	2.1	0.80	5.3	1.5	3.2	-1.2	2.1	0.12	2.0	-2.0

Swabhimaan share price history

Over the last 15 trading sessions SMFBS closed between Rs. 1,319.00 and Rs. 1,441.00, finishing at Rs. 1,420.00 on 2026-09-22 against Rs. 1,430.00 on 2026-08-26.

Date	Open	High	Low	Close	Volume
2026-09-22	1,400.00	1,425.00	1,393.00	1,420.00	1,007
2026-09-18	1,399.90	1,430.00	1,375.00	1,430.00	1,344
2026-09-17	1,400.00	1,400.10	1,400.00	1,400.00	225
2026-09-16	1,398.00	1,400.00	1,366.00	1,366.00	302
2026-09-15	1,443.00	1,443.00	1,400.10	1,441.00	256
2026-09-14	1,358.10	1,438.80	1,350.00	1,401.00	1,153
2026-09-11	1,355.70	1,428.00	1,355.00	1,399.00	154
2026-09-10	1,338.60	1,388.00	1,338.00	1,388.00	289
2026-09-09	1,307.00	1,380.00	1,306.10	1,380.00	143
2026-09-07	1,312.00	1,361.70	1,312.00	1,345.00	77
2026-09-03	1,398.00	1,398.00	1,333.00	1,333.00	403
2026-09-02	1,355.00	1,394.00	1,345.00	1,394.00	278
2026-09-01	1,285.00	1,390.00	1,285.00	1,355.70	153
2026-08-31	1,305.00	1,394.00	1,305.00	1,319.00	122
2026-08-26	1,335.00	1,439.00	1,335.00	1,430.00	113

SMFBS share price by year

2026, between Rs. 1,285.00 and Rs. 1,779.90, 2025, between Rs. 1,490.00 and Rs. 2,109.52, 2024, between Rs. 790.57 and Rs. 2,310.86, 2023, between Rs. 683.24 and Rs. 1,373.02, 2022, between Rs. 1,055.56 and Rs. 1,686.51 and 2021, between Rs. 644.88 and Rs. 1,718.68.

Year	Low (Rs.)	High (Rs.)	Sessions
2026	1,285.00	1,779.90	168
2025	1,490.00	2,109.52	225
2024	790.57	2,310.86	231
2023	683.24	1,373.02	218
2022	1,055.56	1,686.51	240
2021	644.88	1,718.68	239
2020	353.56	749.36	176
2019	111.27	388.23	122

Swabhimaan share price returns

At Rs. 1,420.00 on 2026-09-22, SMFBS is up 3.95% over 1 week, up 3.03% over 1 month, down 6.58% over 3 months, down 17.44% over 6 months, down 17.44% over 1 year and down 3.97% over 5 years. Each return compares that close with the last close on or before the same date in the earlier period.

Period	Return	From price (Rs.)	From date
1 week	+3.95%	1,366.00	2026-09-16
1 month	+3.03%	1,378.20	2026-08-24
3 months	-6.58%	1,520.00	2026-06-25
6 months	-17.44%	1,720.00	2026-03-26
1 year	-17.44%	1,720.00	2025-09-23
5 years	-3.97%	1,478.72	2021-09-23

SMFBS floorsheet for 2026-09-22

SMFBS traded 18 times on 2026-09-22, moving 999 shares for Rs. 0.14 crore of turnover. Trades went through between Rs. 1,393.00 and Rs. 1,425.00.

Largest buyers by volume: broker 45, Imperial Securities Co. Limited on 719 shares across 9 trades, broker 41, Linch Stock Market Limited on 210 shares across 4 trades, broker 11, Malla & Malla Stock Broking Company Pvt. Limited on 20 shares across 1 trades, broker 32, Premier Securites Company Limited on 20 shares across 2 trades, broker 42, Sani Securities Company Limited on 20 shares across 1 trades and broker 5, Market Securities Exchange Company Pvt. Limited on 10 shares across 1 trades.

Largest sellers by volume: broker 51, Oxford Securities Pvt.Ltd on 595 shares across 3 trades, broker 43, South Asian Bulls Pvt.Limited on 235 shares across 6 trades, broker 5, Market Securities Exchange Company Pvt. Limited on 80 shares across 5 trades, broker 22, Siprabi Securities Pvt. Limited on 34 shares across 1 trades, broker 58, Naasa Securities Co. Ltd. on 24 shares across 1 trades, broker 41, Linch Stock Market Limited on 20 shares across 1 trades and broker 6, Agrawal Securities Pvt. Limited on 11 shares across 1 trades.

SMFBS dividend history: bonus shares and cash dividend

Swabhimaan Laghubitta Bittiya Sanstha Limited most recently declared a 9.5% bonus share issue for 2081/2082, announced on 2026-02-27. 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	Announced
2081/2082	9.5%	2026-02-27
2080/2081	5%	2025-04-10
2078/2079	20%	2023-03-01

For 2081/2082 Swabhimaan Laghubitta Bittiya Sanstha Limited declared a 9.5% bonus share issue, announced on 2026-02-27.

For 2080/2081 Swabhimaan Laghubitta Bittiya Sanstha Limited declared a 5% bonus share issue, announced on 2025-04-10.

For 2078/2079 Swabhimaan Laghubitta Bittiya Sanstha Limited declared a 20% bonus share issue, announced on 2023-03-01.

SMFBS general meetings

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

9th AGM for 2081/2082: on 2026-07-14, at Company's Central Office, Tilottama-5, Rupandehi (11:00 AM)
8th AGM for 2080/2081: on 2025-05-02, at Company's Central Office, Tilottama-5, Rupandehi (11:00 AM)
7th AGM for 2079/2080: on 2024-03-03, at Company's Central Office, Tilottama-5, Rupandehi (11:00 AM)

6 years of annual statements and 12 quarters of results for SMFBS, with charts and peer comparison, are free on NepView.

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