Unique Nepal Laghubitta Bittiya Sanstha Limited (UNLB) Share Price & Fundamentals
Unique Nepal (UNLB) share price is Rs. 1,260.90, up 0.87% on 2026-09-22. Open Rs. 1,252.00. High Rs. 1,264.90. Low Rs. 1,230.00. Volume 317.
Unique Nepal Laghubitta Bittiya Sanstha Limited is a NEPSE-listed company (UNLB), Microfinance sector. Revenue: Rs. 28.77 Crore. Net loss: Rs. 3.87 Crore. Net worth: Rs. 31.7 Crore.
About Unique Nepal Laghubitta Bittiya Sanstha Limited
Unique Nepal Laghubitta Bittiya Sanstha Limited is a Class-D retail microfinance institution licensed by Nepal Rastra Bank in October 2018, with roots in the community work of UNYC Nepal. Its head office is in Kohalpur Municipality-11, Banke, Lumbini Province, and it delivers microcredit, savings, and financial-literacy services to low-income and rural communities across western Nepal, operating within a 10-district working area. Its ordinary shares were listed on the Nepal Stock Exchange (NEPSE) under the symbol UNLB on 18 February 2023. After paying a 20% dividend for FY2079/80, the institution's results turned to losses amid sector-wide microfinance repayment stress (notably a large non-operating write-off in FY2080/81 and a heavy impairment charge in Q3 FY2082/83), and it skipped dividends thereafter.
Unique Nepal Laghubitta Bittiya Sanstha Limited (UNLB) has 14,85,750 shares outstanding. It listed on NEPSE in 2023.
UNLB key metrics
UNLB strengths
What Unique Nepal 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)
- Only 0.9% of funding is borrowed, so the bank largely funds itself. (Liquidity & Funding)
- 82.8% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
- Each share earned Rs 34.39 of profit over the year. (Shareholder Returns)
- Income from lending grew 10.7% on last year, so the core business is expanding. (Growth)
- 13.1% of income comes from fees and commissions, so it does not depend on lending alone. (Margins & Income Quality)
- Each share is backed by Rs 213.35 of the bank's own net worth. (Shareholder Returns)
UNLB weaknesses
What the same accounts show against it. Both lists are computed from the filed figures, not opinion, and are not advice.
- Return on shareholders' money is -12.2%, below what owners would hope for. (Profitability)
- Return on everything it owns is -1%, so its assets are not producing much. (Profitability)
- 34.4% of income is lost to loans going bad, which eats directly into profit. (Asset Quality)
- Only 78.7% of funding comes from deposits, so it relies on costlier borrowing. (Liquidity & Funding)
- Net profit margin is 16.2%, less than most lenders keep once every cost is paid. (Profitability)
- Staff costs take 35.8% of income, a heavy load on earnings. (Efficiency)
- Loans are 87.6% of what the bank owns, so most of its risk sits in lending. (Asset Quality)
- Operating margin is 20.5%, so running costs take too much of what core banking earns. (Profitability)
- Only 8.6% of what it owns belongs to shareholders, so there is less cushion for losses. (Capital Strength)
- Owns 11.67x for every rupee shareholders put in. A high multiple magnifies losses as well as gains. (Capital Strength)
- The loan book moved 6.9%, so lending is not expanding. (Growth)
- Deposits moved 7.3%, so its cheapest source of funding is not growing. (Growth)
- Total income moved 9.7% on last year. (Growth)
- The bank's size moved 6.3% over the year. (Shareholder Returns)
UNLB Q3 2082/83 results
In Q3 2082/83 Unique Nepal Laghubitta Bittiya Sanstha Limited reported a loss of Rs. 3.28 crore and total operating income of Rs. 7.39 crore. Profit in Q2 2082/83 was Rs. 2.77 crore. Profit turned from a profit to a loss on the previous quarter. Total operating income grew 1.30% on the previous quarter. Profit in Q3 2081/82, the same quarter a year earlier, was Rs. 0.61 crore. Profit turned from a profit to a loss on the same quarter last year. Total operating income grew 2.50% on the same quarter last year.
UNLB annual results 2081/82
For the financial year 2081/82 Unique Nepal Laghubitta Bittiya Sanstha Limited reported a net loss of Rs. 3.87 crore, total operating income of Rs. 28.77 crore and net worth of Rs. 31.7 crore. Net profit in 2080/81 was a loss of Rs. 8.75 crore. The loss narrowed 55.79% on the year. Total operating income fell 5.00% on the year.
UNLB profit and loss for 2081/82
In the financial year 2081/82, Unique Nepal Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 23.61 crore, net fee and commission income of Rs. 3.47 crore, other operating income of Rs. 1.69 crore, total operating income of Rs. 28.77 crore, impairment charge/(reversal) of Rs. 11.82 crore, net operating income of Rs. 16.95 crore, operating expenses of Rs. 13.92 crore, operating profit of Rs. 3.03 crore, non-operating income/(expense) of Rs. 0.62 crore, profit before income tax of Rs. 3.66 crore, income tax expense of Rs. 7.52 crore and profit for the year of Rs. 3.87 crore.
Reported under net interest income: interest income of Rs. 48.11 crore and interest expense of Rs. 24.5 crore. Reported under net fee and commission income: fee and commission income of Rs. 3.47 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 10.94 crore, other operating expenses of Rs. 1.95 crore and depreciation & amortisation of Rs. 1.02 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.62 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 7.94 crore and deferred tax of Rs. 0.42 crore.
UNLB profit and loss for 2080/81
In the financial year 2080/81, Unique Nepal Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 25.07 crore, net fee and commission income of Rs. 2.5 crore, other operating income of Rs. 2.71 crore, total operating income of Rs. 30.29 crore, impairment charge/(reversal) of Rs. 16.84 crore, net operating income of Rs. 13.44 crore, operating expenses of Rs. 11.94 crore, operating profit of Rs. 1.5 crore, non-operating income/(expense) of Rs. 10.27 crore, profit before income tax of Rs. 8.76 crore, income tax expense of Rs. 0.02 crore and profit for the year of Rs. 8.75 crore.
Reported under net interest income: interest income of Rs. 52.68 crore and interest expense of Rs. 27.61 crore. Reported under net fee and commission income: fee and commission income of Rs. 2.5 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 8.96 crore, other operating expenses of Rs. 1.99 crore and depreciation & amortisation of Rs. 0.99 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.48 crore and non-operating expense of Rs. 10.75 crore. Reported under income tax expense: current tax of Rs. 0.13 crore and deferred tax of Rs. 0.15 crore.
UNLB profit and loss for 2079/80
In the financial year 2079/80, Unique Nepal Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 26.76 crore, net fee and commission income of Rs. 3.25 crore, other operating income of Rs. 1.82 crore, total operating income of Rs. 31.83 crore, impairment charge/(reversal) of Rs. 9.6 crore, net operating income of Rs. 22.23 crore, operating expenses of Rs. 12.8 crore, operating profit of Rs. 9.43 crore, non-operating income/(expense) of Rs. 3.76 crore, profit before income tax of Rs. 5.67 crore, income tax expense of Rs. 1.77 crore and profit for the year of Rs. 3.9 crore.
Reported under net interest income: interest income of Rs. 56.98 crore and interest expense of Rs. 30.22 crore. Reported under net fee and commission income: fee and commission income of Rs. 3.82 crore and fee and commission expense of Rs. 0.57 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 9.74 crore, other operating expenses of Rs. 2.82 crore and depreciation & amortisation of Rs. 0.24 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.32 crore and non-operating expense of Rs. 4.07 crore. Reported under income tax expense: current tax of Rs. 1.89 crore and deferred tax of Rs. 0.12 crore.
UNLB balance sheet for 2081/82
In the financial year 2081/82, Unique Nepal Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 370.01 crore, total liabilities of Rs. 338.31 crore and total equity of Rs. 31.7 crore.
Reported under total assets: cash and cash equivalents of Rs. 39.2 crore, due from nepal rastra bank of Rs. 1.78 crore, placement with banks and fis of Rs. 0 crore, loans and advances to customers of Rs. 324.19 crore, current tax assets of Rs. 0 crore, property and equipment of Rs. 2.67 crore, deferred tax assets of Rs. 1.32 crore and other assets of Rs. 0.86 crore. Reported under total liabilities: due to banks and fis of Rs. 34.48 crore, deposits from customers of Rs. 266.4 crore, borrowings of Rs. 3 crore, current tax liabilities of Rs. 1.71 crore and other liabilities of Rs. 32.73 crore. Reported under total equity: share capital of Rs. 14.86 crore, retained earnings of Rs. 0.36 crore and reserves of Rs. 16.48 crore.
UNLB balance sheet for 2080/81
In the financial year 2080/81, Unique Nepal Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 348.03 crore, total liabilities of Rs. 311.99 crore and total equity of Rs. 36.04 crore.
Reported under total assets: cash and cash equivalents of Rs. 34.46 crore, due from nepal rastra bank of Rs. 1.78 crore, placement with banks and fis of Rs. 1.86 crore, loans and advances to customers of Rs. 303.15 crore, current tax assets of Rs. 2.37 crore, property and equipment of Rs. 2.86 crore, deferred tax assets of Rs. 0.72 crore and other assets of Rs. 0.83 crore. Reported under total liabilities: due to banks and fis of Rs. 32.58 crore, deposits from customers of Rs. 248.32 crore, borrowings of Rs. 3 crore, current tax liabilities of Rs. 0 crore and other liabilities of Rs. 28.09 crore. Reported under total equity: share capital of Rs. 14.86 crore, retained earnings of Rs. 5.4 crore and reserves of Rs. 15.78 crore.
UNLB balance sheet for 2079/80
In the financial year 2079/80, Unique Nepal Laghubitta Bittiya Sanstha Limited reported total assets of Rs. 388.08 crore, total liabilities of Rs. 342.73 crore and total equity of Rs. 45.34 crore.
Reported under total assets: cash and cash equivalents of Rs. 34.28 crore, due from nepal rastra bank of Rs. 1.78 crore, placement with banks and fis of Rs. 0.1 crore, loans and advances to customers of Rs. 349.2 crore, current tax assets of Rs. 0 crore, property and equipment of Rs. 1.08 crore, deferred tax assets of Rs. 0.66 crore and other assets of Rs. 1 crore. Reported under total liabilities: due to banks and fis of Rs. 61.77 crore, deposits from customers of Rs. 250.81 crore, borrowings of Rs. 3 crore, current tax liabilities of Rs. 0.19 crore and other liabilities of Rs. 26.97 crore. Reported under total equity: share capital of Rs. 14.86 crore, retained earnings of Rs. 15.27 crore and reserves of Rs. 15.22 crore.
UNLB cash flow for 2081/82
In the financial year 2081/82, Unique Nepal Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 5.62 crore, net cash flow from investing activities (b) of Rs. 0.83 crore, net cash flow from financing activities (c) of Rs. 0.06 crore, net increase/(decrease) in cash and cash equivalents of Rs. 4.74 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 34.46 crore and cash and cash equivalents at ashadh end of Rs. 39.2 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 48.11 crore, fees and other income received of Rs. 3.47 crore, receipts from other operating activities of Rs. 1.69 crore, interest paid of Rs. 24.5 crore, commission and fees paid of Rs. 0 crore, cash payment to employees of Rs. 10.94 crore, other expense paid of Rs. 13.15 crore, operating cash flows before changes in operating assets and liabilities of Rs. 4.68 crore, due from nepal rastra bank of Rs. 0 crore, placement with banks and financial institutions of Rs. 1.86 crore, loan and advances to customers of Rs. 21.04 crore, other assets of Rs. 1.74 crore, due to banks and financial institutions of Rs. 1.9 crore, deposit from customers of Rs. 18.08 crore, other liabilities of Rs. 6.35 crore, net cash flow from operating activities before tax paid of Rs. 13.56 crore and income taxes paid of Rs. 7.94 crore. Reported under net cash flow from investing activities (b): purchase of property and equipment of Rs. 0.83 crore. Reported under net cash flow from financing activities (c): receipt from issue of shares of Rs. 0 crore and other receipt/payment of Rs. 0.06 crore.
UNLB cash flow for 2080/81
In the financial year 2080/81, Unique Nepal Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 2.9 crore, net cash flow from investing activities (b) of Rs. 2.35 crore, net cash flow from financing activities (c) of Rs. 0.37 crore, net increase/(decrease) in cash and cash equivalents of Rs. 0.18 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 34.28 crore and cash and cash equivalents at ashadh end of Rs. 34.46 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 52.68 crore, fees and other income received of Rs. 2.5 crore, receipts from other operating activities of Rs. 2.71 crore, interest paid of Rs. 27.61 crore, commission and fees paid of Rs. 0 crore, cash payment to employees of Rs. 8.96 crore, other expense paid of Rs. 29.1 crore, operating cash flows before changes in operating assets and liabilities of Rs. 7.78 crore, due from nepal rastra bank of Rs. 0 crore, placement with banks and financial institutions of Rs. 1.76 crore, loan and advances to customers of Rs. 46.05 crore, other assets of Rs. 2.3 crore, due to banks and financial institutions of Rs. 29.19 crore, deposit from customers of Rs. 2.49 crore, other liabilities of Rs. 0.49 crore, net cash flow from operating activities before tax paid of Rs. 3.03 crore and income taxes paid of Rs. 0.13 crore. Reported under net cash flow from investing activities (b): purchase of property and equipment of Rs. 2.35 crore. Reported under net cash flow from financing activities (c): receipt from issue of shares of Rs. 0 crore and other receipt/payment of Rs. 0.37 crore.
UNLB cash flow for 2079/80
In the financial year 2079/80, Unique Nepal Laghubitta Bittiya Sanstha Limited reported net cash flow from operating activities (a) of Rs. 18.66 crore, net cash flow from investing activities (b) of Rs. 0.16 crore, net cash flow from financing activities (c) of Rs. 3.01 crore, net increase/(decrease) in cash and cash equivalents of Rs. 21.51 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 12.76 crore and cash and cash equivalents at ashadh end of Rs. 34.28 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 56.98 crore, fees and other income received of Rs. 3.82 crore, receipts from other operating activities of Rs. 1.82 crore, interest paid of Rs. 30.22 crore, commission and fees paid of Rs. 0.57 crore, cash payment to employees of Rs. 9.74 crore, other expense paid of Rs. 16.17 crore, operating cash flows before changes in operating assets and liabilities of Rs. 5.92 crore, due from nepal rastra bank of Rs. 0 crore, placement with banks and financial institutions of Rs. 0.1 crore, loan and advances to customers of Rs. 22.19 crore, other assets of Rs. 0.45 crore, due to banks and financial institutions of Rs. 20.67 crore, deposit from customers of Rs. 10.48 crore, other liabilities of Rs. 2.28 crore, net cash flow from operating activities before tax paid of Rs. 20.55 crore and income taxes paid of Rs. 1.89 crore. Reported under net cash flow from investing activities (b): purchase of property and equipment of Rs. 0.16 crore. Reported under net cash flow from financing activities (c): receipt from issue of shares of Rs. 3.79 crore and other receipt/payment of Rs. 0.78 crore.
UNLB quarterly for Q3 2082/83
In the quarter Q3 2082/83, Unique Nepal Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 6 crore, net fee and commission income of Rs. 1.09 crore, other operating income of Rs. 0.3 crore, total operating income of Rs. 7.39 crore, impairment charge/(reversal) of Rs. 9.44 crore, net operating income of Rs. 2.05 crore, operating expenses of Rs. 2.77 crore, operating profit of Rs. 4.81 crore, non-operating income/(expense) of Rs. 0.13 crore, profit before income tax of Rs. 4.68 crore, income tax expense of Rs. 1.4 crore and profit for the year of Rs. 3.28 crore.
Reported under net interest income: interest income of Rs. 12.02 crore and interest expense of Rs. 6.02 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.11 crore and fee and commission expense of Rs. 0.02 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 2.21 crore, other operating expenses of Rs. 0.51 crore and depreciation & amortisation of Rs. 0.05 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.13 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 1.4 crore and deferred tax of Rs. 0 crore.
UNLB quarterly for Q2 2082/83
In the quarter Q2 2082/83, Unique Nepal Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 5.87 crore, net fee and commission income of Rs. 1.13 crore, other operating income of Rs. 0.3 crore, total operating income of Rs. 7.29 crore, impairment charge/(reversal) of Rs. 0.2 crore, net operating income of Rs. 7.49 crore, operating expenses of Rs. 3.74 crore, operating profit of Rs. 3.75 crore, non-operating income/(expense) of Rs. 0.21 crore, profit before income tax of Rs. 3.96 crore, income tax expense of Rs. 1.19 crore and profit for the year of Rs. 2.77 crore.
Reported under net interest income: interest income of Rs. 11.92 crore and interest expense of Rs. 6.06 crore. Reported under net fee and commission income: fee and commission income of Rs. 1.13 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 2.93 crore, other operating expenses of Rs. 0.76 crore and depreciation & amortisation of Rs. 0.05 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.21 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 1.19 crore and deferred tax of Rs. 0 crore.
UNLB quarterly for Q1 2082/83
In the quarter Q1 2082/83, Unique Nepal Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 7.29 crore, net fee and commission income of Rs. 0.87 crore, other operating income of Rs. 0.29 crore, total operating income of Rs. 8.45 crore, impairment charge/(reversal) of Rs. 2.48 crore, net operating income of Rs. 5.97 crore, operating expenses of Rs. 3.45 crore, operating profit of Rs. 2.52 crore, non-operating income/(expense) of Rs. 0.13 crore, profit before income tax of Rs. 2.66 crore, income tax expense of Rs. 0.8 crore and profit for the year of Rs. 1.86 crore.
Reported under net interest income: interest income of Rs. 13.67 crore and interest expense of Rs. 6.38 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.87 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 2.75 crore, other operating expenses of Rs. 0.65 crore and depreciation & amortisation of Rs. 0.05 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.13 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 0.8 crore and deferred tax of Rs. 0 crore.
UNLB quarterly for Q4 2081/82
In the quarter Q4 2081/82, Unique Nepal Laghubitta Bittiya Sanstha Limited reported net interest income of Rs. 5.23 crore, net fee and commission income of Rs. 0.91 crore, other operating income of Rs. 0.9 crore, total operating income of Rs. 7.05 crore, impairment charge/(reversal) of Rs. 1.61 crore, net operating income of Rs. 5.44 crore, operating expenses of Rs. 4.68 crore, operating profit of Rs. 0.75 crore, non-operating income/(expense) of Rs. 0.25 crore, profit before income tax of Rs. 1 crore, income tax expense of Rs. 0.3 crore and profit for the year of Rs. 0.7 crore.
Reported under net interest income: interest income of Rs. 11.63 crore and interest expense of Rs. 6.4 crore. Reported under net fee and commission income: fee and commission income of Rs. 0.91 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 2.49 crore, other operating expenses of Rs. 2.13 crore and depreciation & amortisation of Rs. 0.07 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.25 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 0.3 crore and deferred tax of Rs. 0 crore.
UNLB Profit & Loss
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 |
|---|
| Net Interest Income | 23.6 | 25.1 | 26.8 | 32.6 |
|---|
| Interest Income | 48.1 | 52.7 | 57.0 | 57.8 |
|---|
| Interest Expense | -24.5 | -27.6 | -30.2 | -25.2 |
|---|
| Net Fee and Commission Income | 3.5 | 2.5 | 3.3 | 5.5 |
|---|
| Fee and Commission Income | 3.5 | 2.5 | 3.8 | 5.5 |
|---|
| Fee and Commission Expense | -0.00 | -0.00 | -0.57 | -0.00 |
|---|
| Other Operating Income | 1.7 | 2.7 | 1.8 | 1.2 |
|---|
| Total Operating Income | 28.8 | 30.3 | 31.8 | 39.2 |
|---|
| Impairment Charge/(Reversal) | -11.8 | -16.8 | -9.6 | -10.1 |
|---|
| Net Operating Income | 16.9 | 13.4 | 22.2 | 29.2 |
|---|
| Operating Expenses | -13.9 | -11.9 | -12.8 | -13.9 |
|---|
| Operating Expense - Personnel Expenses | -10.9 | -9.0 | -9.7 | -10.4 |
|---|
| Other Operating Expenses | -2.0 | -2.0 | -2.8 | -3.3 |
|---|
| Depreciation & Amortisation | -1.0 | -0.99 | -0.24 | -0.23 |
|---|
| Operating Profit | 3.0 | 1.5 | 9.4 | 15.3 |
|---|
| Non-Operating Income/(Expense) | 0.62 | -10.3 | -3.8 | -1.6 |
|---|
| Non-Operating Income | 0.62 | 0.48 | 0.32 | 0.46 |
|---|
| Non-Operating Expense | 0.00 | -10.8 | -4.1 | -2.0 |
|---|
| Profit Before Income Tax | 3.7 | -8.8 | 5.7 | 13.7 |
|---|
| Income Tax Expense | -7.5 | 0.02 | -1.8 | -4.2 |
|---|
| Current Tax | -7.9 | -0.13 | -1.9 | -4.4 |
|---|
| Deferred Tax | 0.42 | 0.15 | 0.12 | 0.19 |
|---|
| Profit for the Year | -3.9 | -8.7 | 3.9 | 9.6 |
|---|
UNLB Balance Sheet
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 |
|---|
| Total Assets | 370 | 348 | 388 | 389 |
|---|
| Cash and Cash Equivalents | 39.2 | 34.5 | 34.3 | 12.8 |
|---|
| Due from Nepal Rastra Bank | 1.8 | 1.8 | 1.8 | 1.8 |
|---|
| Placement with Banks and FIs | 0.00 | 1.9 | 0.10 | 0.00 |
|---|
| Loans and Advances to Customers | 324 | 303 | 349 | 371 |
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| Current Tax Assets | 0.00 | 2.4 | 0.00 | 1.00 |
|---|
| Property and Equipment | 2.7 | 2.9 | 1.1 | 1.2 |
|---|
| Deferred Tax Assets | 1.3 | 0.72 | 0.66 | 0.51 |
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| Other Assets | 0.86 | 0.83 | 1.00 | 0.59 |
|---|
| Total Liabilities | 338 | 312 | 343 | 351 |
|---|
| Due to Banks and FIs | 34.5 | 32.6 | 61.8 | 82.4 |
|---|
| Deposits from Customers | 266 | 248 | 251 | 240 |
|---|
| Borrowings | 3.0 | 3.0 | 3.0 | 3.0 |
|---|
| Current Tax Liabilities | 1.7 | 0.00 | 0.19 | 0.00 |
|---|
| Other Liabilities | 32.7 | 28.1 | 27.0 | 24.9 |
|---|
| Total Equity | 31.7 | 36.0 | 45.3 | 38.5 |
|---|
| Share Capital | 14.9 | 14.9 | 14.9 | 11.1 |
|---|
| Retained Earnings | 0.36 | 5.4 | 15.3 | 16.4 |
|---|
| Reserves | 16.5 | 15.8 | 15.2 | 11.1 |
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UNLB Cash Flow
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 |
|---|
| Net Cash Flow from Operating Activities (A) | 5.6 | 2.9 | 18.7 | -7.5 |
|---|
| Interest Received | 48.1 | 52.7 | 57.0 | 57.8 |
|---|
| Fees and Other Income Received | 3.5 | 2.5 | 3.8 | 5.5 |
|---|
| Receipts from Other Operating Activities | 1.7 | 2.7 | 1.8 | 1.2 |
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| Interest Paid | -24.5 | -27.6 | -30.2 | -25.2 |
|---|
| Commission and Fees Paid | -0.00 | -0.00 | -0.57 | -0.00 |
|---|
| Cash Payment to Employees | -10.9 | -9.0 | -9.7 | -10.4 |
|---|
| Other Expense Paid | -13.2 | -29.1 | -16.2 | -14.9 |
|---|
| Operating Cash Flows Before Changes in Operating Assets and Liabilities | 4.7 | -7.8 | 5.9 | 14.0 |
|---|
| Due from Nepal Rastra Bank | 0.00 | 0.00 | 0.00 | -0.43 |
|---|
| Placement with Banks and Financial Institutions | 1.9 | -1.8 | -0.10 | 0.00 |
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| Loan and Advances to Customers | -21.0 | 46.0 | 22.2 | -90.6 |
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| Other Assets | 1.7 | -2.3 | 0.45 | -1.2 |
|---|
| Due to Banks and Financial Institutions | 1.9 | -29.2 | -20.7 | 36.3 |
|---|
| Deposit from Customers | 18.1 | -2.5 | 10.5 | 32.7 |
|---|
| Other Liabilities | 6.3 | 0.49 | 2.3 | 6.1 |
|---|
| Net Cash Flow from Operating Activities Before Tax Paid | 13.6 | 3.0 | 20.5 | -3.2 |
|---|
| Income Taxes Paid | -7.9 | -0.13 | -1.9 | -4.4 |
|---|
| Net Cash Flow from Investing Activities (B) | -0.83 | -2.3 | -0.16 | -0.59 |
|---|
| Purchase of Property and Equipment | -0.83 | -2.3 | -0.16 | -0.59 |
|---|
| Net Cash Flow from Financing Activities (C) | -0.06 | -0.37 | 3.0 | 0.41 |
|---|
| Receipt from Issue of Shares | 0.00 | 0.00 | 3.8 | 1.4 |
|---|
| Other Receipt/Payment | -0.06 | -0.37 | -0.78 | -0.97 |
|---|
| Net Increase/(Decrease) in Cash and Cash Equivalents | 4.7 | 0.18 | 21.5 | -7.7 |
|---|
| Cash and Cash Equivalents at Shrawan 01 (Beginning of the Year) | 34.5 | 34.3 | 12.8 | 20.5 |
|---|
| Cash and Cash Equivalents at Ashadh End | 39.2 | 34.5 | 34.3 | 12.8 |
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UNLB Quarterly Results
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 | 6.0 | 5.9 | 7.3 | 5.2 | 6.0 | 5.1 | 6.2 | 7.8 | 5.4 | 3.5 | 8.3 |
|---|
| Interest Income | 12.0 | 11.9 | 13.7 | 11.6 | 12.0 | 11.0 | 12.4 | 14.5 | 12.0 | 10.3 | 15.8 |
|---|
| Interest Expense | -6.0 | -6.1 | -6.4 | -6.4 | -6.0 | -5.9 | -6.3 | -6.7 | -6.6 | -6.9 | -7.5 |
|---|
| Net Fee and Commission Income | 1.1 | 1.1 | 0.87 | 0.91 | 0.93 | 0.93 | 0.70 | 0.36 | 0.85 | 0.41 | 0.96 |
|---|
| Fee and Commission Income | 1.1 | 1.1 | 0.87 | 0.91 | 0.93 | 0.93 | 0.70 | 0.36 | 0.85 | 0.98 | 0.96 |
|---|
| Fee and Commission Expense | -0.02 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.57 | 0.00 |
|---|
| Other Operating Income | 0.30 | 0.30 | 0.29 | 0.90 | 0.29 | 0.29 | 0.37 | 0.12 | 1.3 | 0.94 | 0.58 |
|---|
| Total Operating Income | 7.4 | 7.3 | 8.5 | 7.0 | 7.2 | 6.4 | 7.2 | 8.2 | 7.6 | 4.8 | 9.9 |
|---|
| Impairment Charge/(Reversal) | -9.4 | 0.20 | -2.5 | -1.6 | -2.2 | 0.36 | -2.9 | 6.9 | -4.0 | -1.3 | -2.1 |
|---|
| Net Operating Income | -2.0 | 7.5 | 6.0 | 5.4 | 5.0 | 6.7 | 4.3 | 15.1 | 3.6 | 3.5 | 7.8 |
|---|
| Operating Expenses | -2.8 | -3.7 | -3.5 | -4.7 | -4.2 | -4.1 | -3.3 | -3.3 | -2.9 | -3.9 | -3.4 |
|---|
| Operating Expense - Personnel Expenses | -2.2 | -2.9 | -2.8 | -2.5 | -2.3 | -2.9 | -2.5 | -2.3 | -2.2 | -2.7 | -2.7 |
|---|
| Other Operating Expenses | -0.51 | -0.76 | -0.65 | -2.1 | -1.9 | -1.2 | -0.71 | -0.87 | -0.62 | -1.2 | -0.62 |
|---|
| Depreciation & Amortisation | -0.05 | -0.05 | -0.05 | -0.07 | -0.06 | -0.06 | -0.06 | -0.06 | -0.06 | -0.06 | -0.07 |
|---|
| Operating Profit | -4.8 | 3.8 | 2.5 | 0.75 | 0.74 | 2.6 | 1.0 | 11.8 | 0.69 | -0.45 | 4.5 |
|---|
| Non-Operating Income/(Expense) | 0.13 | 0.21 | 0.13 | 0.25 | 0.13 | 0.18 | 0.11 | -10.5 | 0.05 | -4.0 | 0.07 |
|---|
| Non-Operating Income | 0.13 | 0.21 | 0.13 | 0.25 | 0.13 | 0.18 | 0.11 | 0.28 | 0.05 | 0.08 | 0.07 |
|---|
| Non-Operating Expense | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -10.8 | 0.00 | -4.1 | 0.00 |
|---|
| Profit Before Income Tax | -4.7 | 4.0 | 2.7 | 1.0 | 0.87 | 2.8 | 1.1 | 1.4 | 0.74 | -4.4 | 4.5 |
|---|
| Income Tax Expense | 1.4 | -1.2 | -0.80 | -0.30 | -0.26 | -0.83 | -0.34 | -0.41 | -0.22 | 1.3 | -1.4 |
|---|
| Current Tax | 1.4 | -1.2 | -0.80 | -0.30 | -0.26 | -0.83 | -0.34 | -0.41 | -0.22 | 1.3 | -1.4 |
|---|
| Deferred Tax | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Profit for the Year | -3.3 | 2.8 | 1.9 | 0.70 | 0.61 | 1.9 | 0.80 | 0.95 | 0.52 | -3.1 | 3.2 |
|---|
Unique Nepal share price history
Over the last 15 trading sessions UNLB closed between Rs. 1,215.30 and Rs. 1,262.00, finishing at Rs. 1,260.90 on 2026-09-22 against Rs. 1,242.90 on 2026-08-26.
| Date | Open | High | Low | Close | Volume |
|---|
| 2026-09-22 | 1,252.00 | 1,264.90 | 1,230.00 | 1,260.90 | 317 |
|---|
| 2026-09-18 | 1,289.00 | 1,289.00 | 1,240.00 | 1,250.00 | 80 |
|---|
| 2026-09-17 | 1,255.90 | 1,266.00 | 1,250.00 | 1,262.00 | 655 |
|---|
| 2026-09-16 | 1,282.00 | 1,282.00 | 1,230.00 | 1,230.10 | 240 |
|---|
| 2026-09-15 | 1,256.40 | 1,299.00 | 1,230.00 | 1,244.90 | 380 |
|---|
| 2026-09-14 | 1,233.90 | 1,233.90 | 1,211.00 | 1,222.00 | 625 |
|---|
| 2026-09-11 | 1,211.50 | 1,238.80 | 1,199.00 | 1,226.00 | 391 |
|---|
| 2026-09-10 | 1,215.00 | 1,249.90 | 1,200.00 | 1,227.80 | 373 |
|---|
| 2026-09-09 | 1,222.00 | 1,254.80 | 1,201.00 | 1,215.30 | 221 |
|---|
| 2026-09-07 | 1,271.00 | 1,306.00 | 1,194.00 | 1,258.00 | 200 |
|---|
| 2026-09-03 | 1,258.90 | 1,258.90 | 1,200.00 | 1,234.80 | 503 |
|---|
| 2026-09-02 | 1,193.10 | 1,257.00 | 1,187.00 | 1,224.90 | 210 |
|---|
| 2026-09-01 | 1,200.00 | 1,248.90 | 1,199.00 | 1,229.90 | 1,363 |
|---|
| 2026-08-31 | 1,277.00 | 1,277.00 | 1,198.00 | 1,233.90 | 1,017 |
|---|
| 2026-08-26 | 1,216.00 | 1,246.00 | 1,216.00 | 1,242.90 | 120 |
|---|
UNLB share price by year
2026, between Rs. 1,187.00 and Rs. 1,984.00, 2025, between Rs. 1,818.40 and Rs. 2,888.60, 2024, between Rs. 1,060.00 and Rs. 3,223.00 and 2023, between Rs. 922.00 and Rs. 2,135.10.
| Year | Low (Rs.) | High (Rs.) | Sessions |
|---|
| 2026 | 1,187.00 | 1,984.00 | 168 |
|---|
| 2025 | 1,818.40 | 2,888.60 | 225 |
|---|
| 2024 | 1,060.00 | 3,223.00 | 231 |
|---|
| 2023 | 922.00 | 2,135.10 | 192 |
|---|
Unique Nepal share price returns
At Rs. 1,260.90 on 2026-09-22, UNLB is up 1.29% over 1 week, up 0.08% over 1 month, down 6.62% over 3 months, down 34.67% over 6 months and down 38.62% over 1 year. Each return compares that close with the last close on or before the same date in the earlier period.
| Period | Return | From price (Rs.) | From date |
|---|
| 1 week | +1.29% | 1,244.90 | 2026-09-15 |
|---|
| 1 month | +0.08% | 1,259.90 | 2026-08-21 |
|---|
| 3 months | -6.62% | 1,350.30 | 2026-06-24 |
|---|
| 6 months | -34.67% | 1,930.00 | 2026-03-26 |
|---|
| 1 year | -38.62% | 2,054.12 | 2025-09-21 |
|---|
UNLB floorsheet for 2026-09-22
UNLB traded 17 times on 2026-09-22, moving 317 shares for Rs. 0.04 crore of turnover. Trades went through between Rs. 1,230.00 and Rs. 1,264.90.
Largest buyers by volume: broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 110 shares across 2 trades, broker 47, Neev Securities Pvt.Ltd on 90 shares across 7 trades, broker 34, Vision Securities Pvt.Limited on 40 shares across 2 trades, broker 59, Deevyaa Securities & Stock House Pvt. Ltd on 30 shares across 2 trades, broker 25, Sweta Securities Pvt. Limited on 20 shares across 1 trades, broker 58, Naasa Securities Co. Ltd. on 17 shares across 2 trades and broker 10, Pragyan Securities Pvt. Limited on 10 shares across 1 trades.
Largest sellers by volume: broker 47, Neev Securities Pvt.Ltd on 150 shares across 6 trades, broker 45, Imperial Securities Co. Limited on 95 shares across 5 trades, broker 58, Naasa Securities Co. Ltd. on 37 shares across 3 trades, broker 4, Stock Broker Opal Securities Investment Pvt. Limited on 15 shares across 1 trades, broker 16, Primo Securities Pvt. Limited on 10 shares across 1 trades and broker 89, Global IME Securities Limited on 10 shares across 1 trades.
UNLB dividend history: bonus shares and cash dividend
Unique Nepal Laghubitta Bittiya Sanstha Limited most recently declared a 19% bonus share issue for 2079/2080, announced on 2023-09-16. 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 |
|---|
| 2079/2080 | 19% | | 2023-09-16 |
For 2079/2080 Unique Nepal Laghubitta Bittiya Sanstha Limited declared a 19% bonus share issue, announced on 2023-09-16.
UNLB general meetings
Annual and special general meetings Unique Nepal Laghubitta Bittiya Sanstha Limited has called. A dividend is declared by the board and approved at the AGM.
- SGM for 2082/2083: on 2026-08-30, at Company's Central Office, Kohalpur, N.Pa. 11, Banke or Virtual method via Zoom/Webinar (10:30 AM)
- SGM for 2081/2082: on 2026-06-24, at Company's Central Office, Kohalpur-11, Banke or Virtual method via Zoom/Webinar (10:30 AM)
- 7th AGM for 2081/2082: on 2026-02-25, at Kohalpur Municipality, Ward No-04, Hotel Central Plaza, Banke (11:00 AM)
4 years of annual statements and 11 quarters of results for UNLB, with charts and peer comparison, are free on NepView.
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