Swabalamban (SWBBL) share price is Rs. 690.00, up 0.15% on 2026-10-12. Open Rs. 685.00. High Rs. 691.00. Low Rs. 680.20. Volume 5,490.
Swabalamban Laghubitta Bittiya Sanstha Limited is a NEPSE-listed company (SWBBL), Microfinance sector. Revenue: Rs. 219.68 Crore. Net profit: Rs. 41.15 Crore. Net worth: Rs. 373.03 Crore.
Swabalamban Laghubitta Bittiya Sanstha Limited is a national-level 'D'-class microfinance financial institution licensed by Nepal Rastra Bank, with its central office in Kathmandu. One of Nepal's oldest and largest microfinance institutions, it pursues a mission of poverty alleviation by providing disadvantaged rural communities with easy access to microcredit, savings, micro-insurance, and credit-plus services, with a particular focus on women and micro-enterprise. As of the third quarter of FY2081/82 it served about 264,599 low-income families through 145 branch offices across 61 districts. Its shares were listed on the Nepal Stock Exchange (NEPSE) under the symbol SWBBL on 17 August 2007. The institution has a long dividend-paying record; for FY2080/81 it proposed a 15% dividend (14.25% bonus shares and 0.75% cash).
Swabalamban Laghubitta Bittiya Sanstha Limited (SWBBL) has 1,75,00,000 shares outstanding. It listed on NEPSE in 2007. Its most recent declared dividend was 4.36% on face value.
Company website: www.swbbl.com.np.
| Market Cap | Rs. 1,207.50 Crore |
|---|---|
| P/E Ratio | 29.34 |
| P/E Ratio (TTM) | 19.48 |
| EPS | Rs. 23.52 |
| EPS (TTM) | Rs. 35.41 |
| Book Value | Rs. 213.16 |
| Dividend Yield | 0.63% |
| Face Value | Rs. 100.00 |
| 52 Week High | Rs. 820.00 |
| 52 Week Low | Rs. 630.50 |
| Listed Since | 2007 |
What Swabalamban Laghubitta Bittiya Sanstha Limited's own accounts show in its favour, graded against the rest of its sector.
What the same accounts show against it. Both lists are computed from the filed figures, not opinion, and are not advice.
In Q3 2082/83 Swabalamban Laghubitta Bittiya Sanstha Limited reported profit of Rs. 15.01 crore and total operating income of Rs. 57.5 crore. Profit in Q2 2082/83 was Rs. 11.47 crore. Profit grew 30.80% on the previous quarter. Total operating income grew 15.96% on the previous quarter. Profit in Q3 2081/82, the same quarter a year earlier, was Rs. 3.95 crore. Profit grew 280.06% on the same quarter last year. Total operating income fell 3.20% on the same quarter last year.
For the financial year 2081/82 Swabalamban Laghubitta Bittiya Sanstha Limited reported net profit of Rs. 41.15 crore, total operating income of Rs. 219.68 crore and net worth of Rs. 373.03 crore. Net profit in 2080/81 was Rs. 35.98 crore. Net profit grew 14.38% on the year. Total operating income grew 20.31% on the year.
In the financial year 2081/82, Swabalamban Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 183.3 crore, net fee and commission income of Rs. 36.35 crore, other operating income of Rs. 0.04 crore, total operating income of Rs. 219.68 crore, impairment charge/(reversal) of Rs. 49.75 crore, net operating income of Rs. 169.93 crore, operating expenses of Rs. 106.98 crore, operating profit of Rs. 62.95 crore, non-operating income/(expense) of Rs. 2.01 crore, profit before income tax of Rs. 64.96 crore, income tax expense of Rs. 23.81 crore and profit for the year of Rs. 41.15 crore.
Reported under net interest income: interest income of Rs. 327.03 crore and interest expense of Rs. 143.73 crore. Reported under net fee and commission income: fee and commission income of Rs. 36.52 crore and fee and commission expense of Rs. 0.18 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 91.57 crore, other operating expenses of Rs. 9.75 crore and depreciation & amortisation of Rs. 5.66 crore. Reported under non-operating income/(expense): non-operating income of Rs. 2.01 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 34.08 crore and deferred tax of Rs. 10.27 crore.
In the financial year 2080/81, Swabalamban Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 152.13 crore, net fee and commission income of Rs. 30.19 crore, other operating income of Rs. 0.28 crore, total operating income of Rs. 182.6 crore, impairment charge/(reversal) of Rs. 24.61 crore, net operating income of Rs. 157.99 crore, operating expenses of Rs. 103.4 crore, operating profit of Rs. 54.59 crore, non-operating income/(expense) of Rs. 0.06 crore, profit before income tax of Rs. 54.65 crore, income tax expense of Rs. 18.67 crore and profit for the year of Rs. 35.98 crore.
Reported under net interest income: interest income of Rs. 300.38 crore and interest expense of Rs. 148.25 crore. Reported under net fee and commission income: fee and commission income of Rs. 30.2 crore and fee and commission expense of Rs. 0.01 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 88.07 crore, other operating expenses of Rs. 9.84 crore and depreciation & amortisation of Rs. 5.5 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.06 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 23.58 crore and deferred tax of Rs. 4.91 crore.
In the financial year 2079/80, Swabalamban Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 155.76 crore, net fee and commission income of Rs. 38.51 crore, other operating income of Rs. 0.01 crore, total operating income of Rs. 194.28 crore, impairment charge/(reversal) of Rs. 35.27 crore, net operating income of Rs. 159.01 crore, operating expenses of Rs. 108.39 crore, operating profit of Rs. 50.62 crore, non-operating income/(expense) of Rs. 2.66 crore, profit before income tax of Rs. 47.96 crore, income tax expense of Rs. 21.07 crore and profit for the year of Rs. 26.89 crore.
Reported under net interest income: interest income of Rs. 308.2 crore and interest expense of Rs. 152.43 crore. Reported under net fee and commission income: fee and commission income of Rs. 38.53 crore and fee and commission expense of Rs. 0.01 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 90.6 crore, other operating expenses of Rs. 16.07 crore and depreciation & amortisation of Rs. 1.73 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.02 crore and non-operating expense of Rs. 2.68 crore. Reported under income tax expense: current tax of Rs. 33.83 crore and deferred tax of Rs. 12.76 crore.
In the financial year 2081/82, Swabalamban Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 2,375.01 crore, total liabilities of Rs. 2,001.98 crore and total equity of Rs. 373.03 crore.
Reported under total assets: cash and cash equivalents of Rs. 81.71 crore, due from nepal rastra bank of Rs. 9.61 crore, loans and advances to customers of Rs. 2,166.23 crore, investment securities of Rs. 0.12 crore, current tax assets of Rs. 0.37 crore, property and equipment of Rs. 28.66 crore, goodwill and intangible assets of Rs. 0.11 crore, deferred tax assets of Rs. 44 crore and other assets of Rs. 44.2 crore. Reported under total liabilities: due to banks and fis of Rs. 0 crore, due to nepal rastra bank of Rs. 0 crore, deposits from customers of Rs. 1,585.97 crore, borrowings of Rs. 380.09 crore, current tax liabilities of Rs. 0 crore and other liabilities of Rs. 35.92 crore. Reported under total equity: share capital of Rs. 165.66 crore, share premium of Rs. 0.09 crore, retained earnings of Rs. 25.67 crore and reserves of Rs. 181.61 crore.
In the financial year 2080/81, Swabalamban Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 2,115.8 crore, total liabilities of Rs. 1,773.73 crore and total equity of Rs. 342.08 crore.
Reported under total assets: cash and cash equivalents of Rs. 82.28 crore, due from nepal rastra bank of Rs. 8.71 crore, loans and advances to customers of Rs. 1,958.13 crore, investment securities of Rs. 0.08 crore, current tax assets of Rs. 0 crore, property and equipment of Rs. 6.34 crore, goodwill and intangible assets of Rs. 0.2 crore, deferred tax assets of Rs. 30.84 crore and other assets of Rs. 29.22 crore. Reported under total liabilities: due to banks and fis of Rs. 0 crore, due to nepal rastra bank of Rs. 0 crore, deposits from customers of Rs. 1,406.56 crore, borrowings of Rs. 329.76 crore, current tax liabilities of Rs. 0.29 crore and other liabilities of Rs. 37.11 crore. Reported under total equity: share capital of Rs. 145 crore, share premium of Rs. 0.09 crore, retained earnings of Rs. 25.5 crore and reserves of Rs. 171.49 crore.
In the financial year 2079/80, Swabalamban Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 1,984.72 crore, total liabilities of Rs. 1,677.58 crore and total equity of Rs. 307.14 crore.
Reported under total assets: cash and cash equivalents of Rs. 104.02 crore, due from nepal rastra bank of Rs. 6.9 crore, loans and advances to customers of Rs. 1,815.02 crore, investment securities of Rs. 0.08 crore, current tax assets of Rs. 0 crore, property and equipment of Rs. 5.18 crore, goodwill and intangible assets of Rs. 0.37 crore, deferred tax assets of Rs. 26.31 crore and other assets of Rs. 26.83 crore. Reported under total liabilities: due to banks and fis of Rs. 321.01 crore, due to nepal rastra bank of Rs. 26.67 crore, deposits from customers of Rs. 1,280.58 crore, borrowings of Rs. 0 crore, current tax liabilities of Rs. 16.94 crore and other liabilities of Rs. 32.39 crore. Reported under total equity: share capital of Rs. 129.05 crore, share premium of Rs. 0.09 crore, retained earnings of Rs. 23.39 crore and reserves of Rs. 154.61 crore.
In the financial year 2081/82, Swabalamban Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 21.55 crore, net cash flow from investing activities (b) of Rs. 24.08 crore, net cash flow from financing activities (c) of Rs. 1.95 crore, net increase/(decrease) in cash and cash equivalents of Rs. 0.57 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 82.28 crore and cash and cash equivalents at ashadh end of Rs. 81.71 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 327.03 crore, fees and other income received of Rs. 34.51 crore, interest paid of Rs. 143.6 crore, commission and fees paid of Rs. 0.18 crore, cash payment to employees of Rs. 72.68 crore, other expense paid of Rs. 9.72 crore, operating cash flows before changes in operating assets and liabilities of Rs. 135.37 crore, due from nepal rastra bank of Rs. 0.89 crore, loan and advances to customers of Rs. 286.45 crore, other assets of Rs. 12.46 crore, due to banks and financial institutions of Rs. 50.33 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 179.4 crore, other liabilities of Rs. 10.07 crore, net cash flow from operating activities before tax paid of Rs. 55.23 crore and income taxes paid of Rs. 33.67 crore. Reported under net cash flow from investing activities (b): purchase of property and equipment of Rs. 24.11 crore and receipt from sale of property and equipment of Rs. 0.04 crore. Reported under net cash flow from financing activities (c): dividends paid of Rs. 1.09 crore and other receipt/payment of Rs. 3.04 crore.
In the financial year 2080/81, Swabalamban Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 19.85 crore, net cash flow from investing activities (b) of Rs. 2.38 crore, net cash flow from financing activities (c) of Rs. 0.49 crore, net increase/(decrease) in cash and cash equivalents of Rs. 21.74 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 104.02 crore and cash and cash equivalents at ashadh end of Rs. 82.28 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 292.13 crore, fees and other income received of Rs. 30.26 crore, interest paid of Rs. 149.49 crore, commission and fees paid of Rs. 0.01 crore, cash payment to employees of Rs. 89.38 crore, other expense paid of Rs. 10.06 crore, operating cash flows before changes in operating assets and liabilities of Rs. 73.46 crore, due from nepal rastra bank of Rs. 1.81 crore, loan and advances to customers of Rs. 184.91 crore, other assets of Rs. 0.34 crore, due to banks and financial institutions of Rs. 8.75 crore, deposit from customers of Rs. 125.99 crore, other liabilities of Rs. 8.14 crore, net cash flow from operating activities before tax paid of Rs. 87.73 crore and income taxes paid of Rs. 28.63 crore. Reported under net cash flow from investing activities (b): purchase of property and equipment of Rs. 2.66 crore and receipt from sale of property and equipment of Rs. 0.28 crore. Reported under net cash flow from financing activities (c): dividends paid of Rs. 0.84 crore and other receipt/payment of Rs. 1.33 crore.
In the financial year 2079/80, Swabalamban Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 8.3 crore, net cash flow from investing activities (b) of Rs. 2.78 crore, net cash flow from financing activities (c) of Rs. 5.35 crore, net increase/(decrease) in cash and cash equivalents of Rs. 16.43 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 120.45 crore and cash and cash equivalents at ashadh end of Rs. 104.02 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 303.9 crore, fees and other income received of Rs. 38.55 crore, interest paid of Rs. 150.56 crore, commission and fees paid of Rs. 0.01 crore, cash payment to employees of Rs. 73.96 crore, other expense paid of Rs. 13.08 crore, operating cash flows before changes in operating assets and liabilities of Rs. 104.83 crore, due from nepal rastra bank of Rs. 3.15 crore, loan and advances to customers of Rs. 19.09 crore, other assets of Rs. 4.73 crore, due to banks and financial institutions of Rs. 123.81 crore, due to nepal rastra bank of Rs. 73.33 crore, deposit from customers of Rs. 81.52 crore, other liabilities of Rs. 4.3 crore, net cash flow from operating activities before tax paid of Rs. 2.42 crore and income taxes paid of Rs. 10.71 crore. Reported under net cash flow from investing activities (b): purchase of property and equipment of Rs. 2.79 crore and receipt from sale of property and equipment of Rs. 0.01 crore. Reported under net cash flow from financing activities (c): dividends paid of Rs. 6.79 crore and other receipt/payment of Rs. 1.44 crore.
In the quarter Q3 2082/83, Swabalamban Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 46.07 crore, net fee and commission income of Rs. 11.41 crore, other operating income of Rs. 0.02 crore, total operating income of Rs. 57.5 crore, impairment charge/(reversal) of Rs. 12.27 crore, net operating income of Rs. 45.23 crore, operating expenses of Rs. 23.81 crore, operating profit of Rs. 21.42 crore, non-operating income/(expense) of Rs. 0.02 crore, profit before income tax of Rs. 21.44 crore, income tax expense of Rs. 6.43 crore and profit for the year of Rs. 15.01 crore.
Reported under net interest income: interest income of Rs. 85.19 crore and interest expense of Rs. 39.12 crore. Reported under net fee and commission income: fee and commission income of Rs. 11.41 crore and fee and commission expense of Rs. 0.01 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 19.61 crore, other operating expenses of Rs. 2.86 crore and depreciation & amortisation of Rs. 1.34 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.02 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 6.43 crore and deferred tax of Rs. 0 crore.
In the quarter Q2 2082/83, Swabalamban Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 40.96 crore, net fee and commission income of Rs. 8.62 crore, other operating income of Rs. 0.01 crore, total operating income of Rs. 49.59 crore, impairment charge/(reversal) of Rs. 11.87 crore, net operating income of Rs. 37.71 crore, operating expenses of Rs. 21.32 crore, operating profit of Rs. 16.39 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 16.39 crore, income tax expense of Rs. 4.92 crore and profit for the year of Rs. 11.47 crore.
Reported under net interest income: interest income of Rs. 79.03 crore and interest expense of Rs. 38.07 crore. Reported under net fee and commission income: fee and commission income of Rs. 8.63 crore and fee and commission expense of Rs. 0.01 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 17.55 crore, other operating expenses of Rs. 2.56 crore and depreciation & amortisation of Rs. 1.22 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. 4.92 crore and deferred tax of Rs. 0 crore.
In the quarter Q1 2082/83, Swabalamban Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 54.12 crore, net fee and commission income of Rs. 8.51 crore, other operating income of Rs. 0.04 crore, total operating income of Rs. 62.66 crore, impairment charge/(reversal) of Rs. 17.72 crore, net operating income of Rs. 44.94 crore, operating expenses of Rs. 36.67 crore, operating profit of Rs. 8.27 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 8.27 crore, income tax expense of Rs. 2.48 crore and profit for the year of Rs. 5.79 crore.
Reported under net interest income: interest income of Rs. 92.7 crore and interest expense of Rs. 38.58 crore. Reported under net fee and commission income: fee and commission income of Rs. 8.51 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 31.93 crore, other operating expenses of Rs. 3.22 crore and depreciation & amortisation of Rs. 1.52 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 2.48 crore and deferred tax of Rs. 0 crore.
In the quarter Q4 2081/82, Swabalamban Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 58.33 crore, net fee and commission income of Rs. 9.93 crore, other operating income of Rs. 0.02 crore, total operating income of Rs. 68.28 crore, impairment charge/(reversal) of Rs. 15.73 crore, net operating income of Rs. 84.01 crore, operating expenses of Rs. 31.58 crore, operating profit of Rs. 52.43 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 52.44 crore, income tax expense of Rs. 20.19 crore and profit for the year of Rs. 32.25 crore.
Reported under net interest income: interest income of Rs. 96.33 crore and interest expense of Rs. 38 crore. Reported under net fee and commission income: fee and commission income of Rs. 10.1 crore and fee and commission expense of Rs. 0.17 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 26.73 crore, other operating expenses of Rs. 3.17 crore and depreciation & amortisation of Rs. 1.68 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. 29.12 crore and deferred tax of Rs. 8.93 crore.
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 |
|---|---|---|---|---|
| Net Interest Income | 183 | 152 | 156 | 172 |
| Interest Income | 327 | 300 | 308 | 296 |
| Interest Expense | -144 | -148 | -152 | -124 |
| Net Fee and Commission Income | 36.3 | 30.2 | 38.5 | 32.3 |
| Fee and Commission Income | 36.5 | 30.2 | 38.5 | 32.3 |
| Fee and Commission Expense | -0.18 | -0.01 | -0.01 | -0.01 |
| Other Operating Income | 0.04 | 0.28 | 0.01 | 0.00 |
| Total Operating Income | 220 | 183 | 194 | 205 |
| Impairment Charge/(Reversal) | -49.8 | -24.6 | -35.3 | -73.9 |
| Net Operating Income | 170 | 158 | 159 | 131 |
| Operating Expenses | -107 | -103 | -108 | -71.8 |
| Operating Expense - Personnel Expenses | -91.6 | -88.1 | -90.6 | -57.7 |
| Other Operating Expenses | -9.7 | -9.8 | -16.1 | -12.7 |
| Depreciation & Amortisation | -5.7 | -5.5 | -1.7 | -1.4 |
| Operating Profit | 63.0 | 54.6 | 50.6 | 58.8 |
| Non-Operating Income/(Expense) | 2.0 | 0.06 | -2.7 | 0.01 |
| Non-Operating Income | 2.0 | 0.06 | 0.02 | 0.01 |
| Non-Operating Expense | 0.00 | 0.00 | -2.7 | 0.00 |
| Profit Before Income Tax | 65.0 | 54.7 | 48.0 | 58.8 |
| Income Tax Expense | -23.8 | -18.7 | -21.1 | -30.8 |
| Current Tax | -34.1 | -23.6 | -33.8 | -35.4 |
| Deferred Tax | 10.3 | 4.9 | 12.8 | 4.6 |
| Profit for the Year | 41.2 | 36.0 | 26.9 | 28.0 |
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 |
|---|---|---|---|---|---|
| Total Assets | 2,375 | 2,116 | 1,985 | 2,062 | 1,824 |
| Cash and Cash Equivalents | 81.7 | 82.3 | 104 | 120 | 27.3 |
| Due from Nepal Rastra Bank | 9.6 | 8.7 | 6.9 | 10.1 | 9.5 |
| Loans and Advances to Customers | 2,166 | 1,958 | 1,815 | 1,892 | 1,761 |
| Investment Securities | 0.12 | 0.08 | 0.08 | 0.12 | 0.12 |
| Current Tax Assets | 0.37 | 0.00 | 0.00 | 7.5 | 0.00 |
| Property and Equipment | 28.7 | 6.3 | 5.2 | 4.0 | 3.6 |
| Goodwill and Intangible Assets | 0.11 | 0.20 | 0.37 | 0.45 | 0.56 |
| Deferred Tax Assets | 44.0 | 30.8 | 26.3 | 11.1 | 8.6 |
| Other Assets | 44.2 | 29.2 | 26.8 | 16.8 | 13.7 |
| Total Liabilities | 2,002 | 1,774 | 1,678 | 1,769 | 1,553 |
| Due to Banks and FIs | 0.00 | 0.00 | 321 | 445 | 457 |
| Due to Nepal Rastra Bank | 0.00 | 0.00 | 26.7 | 100 | 0.00 |
| Deposits from Customers | 1,586 | 1,407 | 1,281 | 1,199 | 1,062 |
| Borrowings | 380 | 330 | 0.00 | 0.00 | 0.00 |
| Current Tax Liabilities | 0.00 | 0.29 | 16.9 | 0.00 | 4.9 |
| Other Liabilities | 35.9 | 37.1 | 32.4 | 24.7 | 28.7 |
| Total Equity | 373 | 342 | 307 | 294 | 271 |
| Share Capital | 166 | 145 | 129 | 112 | 94.3 |
| Share Premium | 0.09 | 0.09 | 0.09 | 0.09 | 0.09 |
| Retained Earnings | 25.7 | 25.5 | 23.4 | 36.2 | 52.3 |
| Reserves | 182 | 171 | 155 | 145 | 125 |
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 |
|---|---|---|---|---|
| Net Cash Flow from Operating Activities (A) | 21.6 | -19.9 | -8.3 | 99.9 |
| Interest Received | 327 | 292 | 304 | 294 |
| Fees and Other Income Received | 34.5 | 30.3 | 38.5 | 32.3 |
| Interest Paid | -144 | -149 | -151 | -124 |
| Commission and Fees Paid | -0.18 | -0.01 | -0.01 | -0.01 |
| Cash Payment to Employees | -72.7 | -89.4 | -74.0 | -79.9 |
| Other Expense Paid | -9.7 | -10.1 | -13.1 | -9.6 |
| Operating Cash Flows Before Changes in Operating Assets and Liabilities | 135 | 73.5 | 105 | 112 |
| Due from Nepal Rastra Bank | -0.89 | -1.8 | 3.1 | -0.55 |
| Loan and Advances to Customers | -286 | -185 | 19.1 | -201 |
| Other Assets | -12.5 | -0.34 | -4.7 | -7.2 |
| Due to Banks and Financial Institutions | 50.3 | -8.7 | -124 | -11.9 |
| Due to Nepal Rastra Bank | 0.00 | Not reported | -73.3 | 100 |
| Deposit from Customers | 179 | 126 | 81.5 | 137 |
| Other Liabilities | -10.1 | 8.1 | -4.3 | 17.0 |
| Net Cash Flow from Operating Activities Before Tax Paid | 55.2 | 87.7 | 2.4 | 146 |
| Income Taxes Paid | -33.7 | -28.6 | -10.7 | -45.7 |
| Net Cash Flow from Investing Activities (B) | -24.1 | -2.4 | -2.8 | -1.7 |
| Purchase of Property and Equipment | -24.1 | -2.7 | -2.8 | -1.7 |
| Receipt from Sale of Property and Equipment | 0.04 | 0.28 | 0.01 | 0.00 |
| Net Cash Flow from Financing Activities (C) | 2.0 | 0.49 | -5.4 | -5.0 |
| Dividends Paid | -1.1 | -0.84 | -6.8 | -5.7 |
| Other Receipt/Payment | 3.0 | 1.3 | 1.4 | 0.65 |
| Net Increase/(Decrease) in Cash and Cash Equivalents | -0.57 | -21.7 | -16.4 | 93.2 |
| Cash and Cash Equivalents at Shrawan 01 (Beginning of the Year) | 82.3 | 104 | 120 | 27.3 |
| Cash and Cash Equivalents at Ashadh End | 81.7 | 82.3 | 104 | 120 |
Values in Rs. Crore unless stated otherwise.
| Particulars | 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 | 46.1 | 41.0 | 54.1 | 58.3 | 47.1 | 39.9 | 40.1 | 49.3 | 35.6 | 31.4 | 35.3 |
| Interest Income | 85.2 | 79.0 | 92.7 | 96.3 | 81.8 | 74.6 | 74.8 | 86.9 | 71.8 | 68.1 | 73.0 |
| Interest Expense | -39.1 | -38.1 | -38.6 | -38.0 | -34.7 | -34.7 | -34.7 | -37.6 | -36.1 | -36.7 | -37.7 |
| Net Fee and Commission Income | 11.4 | 8.6 | 8.5 | 9.9 | 8.5 | 7.2 | 7.1 | 8.8 | 9.2 | 9.6 | 9.3 |
| Fee and Commission Income | 11.4 | 8.6 | 8.5 | 10.1 | 8.5 | 7.2 | 7.1 | 8.8 | 9.2 | 9.6 | 9.3 |
| Fee and Commission Expense | -0.01 | -0.01 | -0.00 | -0.17 | -0.00 | -0.00 | -0.00 | -0.01 | -0.00 | -0.01 | -0.00 |
| Other Operating Income | 0.02 | 0.01 | 0.04 | 0.02 | 3.8 | 0.01 | 0.01 | -0.82 | 0.03 | 0.14 | 0.00 |
| Total Operating Income | 57.5 | 49.6 | 62.7 | 68.3 | 59.4 | 47.2 | 47.2 | 57.3 | 44.8 | 41.1 | 44.6 |
| Impairment Charge/(Reversal) | -12.3 | -11.9 | -17.7 | 15.7 | -28.0 | -24.7 | -8.3 | 29.1 | -9.3 | -17.7 | -11.6 |
| Net Operating Income | 45.2 | 37.7 | 44.9 | 84.0 | 31.4 | 22.5 | 38.9 | 86.5 | 35.5 | 23.4 | 33.0 |
| Operating Expenses | -23.8 | -21.3 | -36.7 | -31.6 | -27.7 | -20.6 | -29.3 | -24.5 | -24.5 | -22.3 | -28.2 |
| Operating Expense - Personnel Expenses | -19.6 | -17.5 | -31.9 | -26.7 | -24.0 | -17.2 | -24.1 | -20.8 | -20.7 | -19.0 | -23.8 |
| Other Operating Expenses | -2.9 | -2.6 | -3.2 | -3.2 | -2.4 | -2.4 | -1.8 | 0.53 | -2.3 | -1.9 | -2.9 |
| Depreciation & Amortisation | -1.3 | -1.2 | -1.5 | -1.7 | -1.3 | -1.0 | -3.4 | -4.2 | -1.4 | -1.5 | -1.5 |
| Operating Profit | 21.4 | 16.4 | 8.3 | 52.4 | 3.6 | 1.9 | 9.6 | 62.0 | 11.0 | 1.1 | 4.8 |
| Non-Operating Income/(Expense) | 0.02 | 0.00 | 0.00 | 0.00 | 2.0 | 0.00 | 0.01 | 0.02 | 0.04 | 0.00 | 0.00 |
| Non-Operating Income | 0.02 | 0.00 | 0.00 | 0.00 | 2.0 | 0.00 | 0.01 | 0.02 | 0.04 | 0.00 | 0.00 |
| Non-Operating Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit Before Income Tax | 21.4 | 16.4 | 8.3 | 52.4 | 5.6 | 1.9 | 9.6 | 62.0 | 11.0 | 1.1 | 4.8 |
| Income Tax Expense | -6.4 | -4.9 | -2.5 | -20.2 | -1.7 | -0.57 | -2.9 | -20.0 | -3.3 | -0.14 | -1.6 |
| Current Tax | -6.4 | -4.9 | -2.5 | -29.1 | -1.7 | -0.57 | -2.9 | -20.7 | -3.3 | -0.14 | -1.4 |
| Deferred Tax | 0.00 | 0.00 | 0.00 | 8.9 | 0.00 | 0.00 | 0.00 | 0.64 | 0.00 | 0.00 | -0.19 |
| Profit for the Year | 15.0 | 11.5 | 5.8 | 32.2 | 3.9 | 1.3 | 6.7 | 42.0 | 7.7 | 0.97 | 3.2 |
Over the last 15 trading sessions SWBBL closed between Rs. 680.00 and Rs. 709.50, finishing at Rs. 690.00 on 2026-10-12 against Rs. 709.50 on 2026-09-18.
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| 2026-10-12 | 685.00 | 691.00 | 680.20 | 690.00 | 5,490 |
| 2026-10-09 | 685.00 | 690.50 | 681.00 | 689.00 | 5,514 |
| 2026-10-08 | 681.00 | 689.00 | 680.00 | 680.00 | 4,379 |
| 2026-10-07 | 695.00 | 695.00 | 683.20 | 683.30 | 6,386 |
| 2026-10-06 | 689.00 | 690.00 | 683.30 | 689.00 | 1,769 |
| 2026-10-05 | 694.90 | 698.00 | 688.00 | 688.00 | 4,080 |
| 2026-10-02 | 695.10 | 700.00 | 695.00 | 695.00 | 3,133 |
| 2026-10-01 | 697.30 | 703.00 | 695.10 | 695.10 | 4,871 |
| 2026-09-30 | 695.10 | 708.00 | 695.10 | 700.00 | 4,944 |
| 2026-09-29 | 700.00 | 703.00 | 695.00 | 699.00 | 5,437 |
| 2026-09-28 | 701.10 | 705.00 | 699.00 | 703.00 | 6,449 |
| 2026-09-24 | 710.00 | 710.00 | 701.00 | 703.30 | 2,366 |
| 2026-09-23 | 703.00 | 705.00 | 701.00 | 701.00 | 3,430 |
| 2026-09-22 | 724.00 | 724.00 | 695.10 | 707.00 | 8,780 |
| 2026-09-18 | 696.00 | 720.00 | 695.20 | 709.50 | 13,145 |
2026, between Rs. 630.50 and Rs. 820.00, 2025, between Rs. 716.51 and Rs. 990.66, 2024, between Rs. 555.14 and Rs. 1,020.80, 2023, between Rs. 505.95 and Rs. 901.58, 2022, between Rs. 593.15 and Rs. 940.70 and 2021, between Rs. 679.55 and Rs. 1,126.21.
| Year | Low (Rs.) | High (Rs.) | Sessions |
|---|---|---|---|
| 2026 | 630.50 | 820.00 | 181 |
| 2025 | 716.51 | 990.66 | 225 |
| 2024 | 555.14 | 1,020.80 | 232 |
| 2023 | 505.95 | 901.58 | 227 |
| 2022 | 593.15 | 940.70 | 242 |
| 2021 | 679.55 | 1,126.21 | 239 |
| 2020 | 381.28 | 826.40 | 167 |
| 2019 | 276.72 | 390.65 | 234 |
| 2018 | 276.29 | 422.63 | 225 |
| 2017 | 234.80 | 515.83 | 230 |
| 2016 | 275.35 | 575.73 | 231 |
| 2015 | 179.43 | 330.42 | 203 |
At Rs. 690.00 on 2026-10-12, SWBBL is up 0.29% over 1 week, up 0.79% over 1 month, up 9.44% over 3 months, down 8.00% over 6 months, down 6.08% over 1 year and down 21.20% 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 | +0.29% | 688.00 | 2026-10-05 |
| 1 month | +0.79% | 684.60 | 2026-09-11 |
| 3 months | +9.44% | 630.50 | 2026-07-14 |
| 6 months | -8.00% | 750.00 | 2026-04-15 |
| 1 year | -6.08% | 734.69 | 2025-10-12 |
| 5 years | -21.20% | 875.64 | 2021-10-11 |
SWBBL traded 47 times on 2026-10-12, moving 5,490 shares for Rs. 0.38 crore of turnover. Trades went through between Rs. 675.00 and Rs. 691.00.
Largest buyers by volume: broker 94, K.B.L. Securities Limited on 1,076 shares across 4 trades, broker 39, Sumeru Securities Pvt.Limited on 1,000 shares across 1 trades, broker 47, Neev Securities Pvt.Ltd on 920 shares across 8 trades, broker 40, Creative Securities Pvt.Limited on 745 shares across 9 trades, broker 58, Naasa Securities Co. Ltd. on 413 shares across 4 trades, broker 19, Nepal Investment & Securities Trading Pvt. Limited on 400 shares across 2 trades, broker 6, Agrawal Securities Pvt. Limited on 240 shares across 2 trades, broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 150 shares across 1 trades, broker 26, Asian Securities Pvt. Limited on 104 shares across 5 trades and broker 1, Kumari Securities Pvt. Limited on 102 shares across 1 trades.
Largest sellers by volume: broker 32, Premier Securites Company Limited on 2,038 shares across 8 trades, broker 45, Imperial Securities Co. Limited on 823 shares across 11 trades, broker 16, Primo Securities Pvt. Limited on 600 shares across 1 trades, broker 14, Nepal Stock House Pvt. Limited on 560 shares across 2 trades, broker 42, Sani Securities Company Limited on 543 shares across 1 trades, broker 58, Naasa Securities Co. Ltd. on 201 shares across 3 trades, broker 26, Asian Securities Pvt. Limited on 200 shares across 1 trades, broker 62, Capital Max Securities Limited on 133 shares across 2 trades, broker 52, Sundhara Securities Limited on 105 shares across 3 trades and broker 47, Neev Securities Pvt.Ltd on 73 shares across 1 trades.
Swabalamban Laghubitta Bittiya Sanstha Limited most recently declared a 5.6365% bonus share issue and a 4.3635% cash dividend, 10% in total for 2081/2082, announced on 2025-12-16. 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 |
|---|---|---|---|
| 2081/2082 | 5.6365% | 4.3635% | 2025-12-16 |
| 2080/2081 | 14.25% | 2024-10-16 | |
| 2079/2080 | 12.3599% | 2023-11-28 | |
| 2078/2079 | 15% | 6.0526% | 2023-02-09 |
For 2081/2082 Swabalamban Laghubitta Bittiya Sanstha Limited declared a 5.6365% bonus share issue and a 4.3635% cash dividend, 10% in total, announced on 2025-12-16.
For 2080/2081 Swabalamban Laghubitta Bittiya Sanstha Limited declared a 14.25% bonus share issue, announced on 2024-10-16.
For 2079/2080 Swabalamban Laghubitta Bittiya Sanstha Limited declared a 12.3599% bonus share issue, announced on 2023-11-28.
For 2078/2079 Swabalamban Laghubitta Bittiya Sanstha Limited declared a 15% bonus share issue and a 6.0526% cash dividend, 21.0526% in total, announced on 2023-02-09.
Annual and special general meetings Swabalamban Laghubitta Bittiya Sanstha Limited has called. A dividend is declared by the board and approved at the AGM.
5 years of annual statements and 11 quarters of results for SWBBL, with charts and peer comparison, are free on NepView.
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