Chhimek Laghubitta Bittiya Sanstha Limited

MicrofinanceHigh Cap

NPR 911.50

NPR -7.5-0.82%

09:14 AM NPT · May 14, 2026

Est. 2001 · 2, Devachuli-Kawasoti Rd, Kawasoti, 33000, Nepal · CEO: Deepak Nidhi Tiwari

Chhimek Laghubitta Bikas Bank Limited is one of Nepal’s leading microfinance development banks, dedicated to providing financial services to low-income households, women entrepreneurs, and underserved communities. Established with the aim of promoting financial inclusion, Chhimek has grown into a nationally recognized institution known for its disciplined governance, strong outreach, and impactful community development initiatives. Operated under the regulatory framework of Nepal Rastra Bank, Chhimek Laghubitta offers a wide range of microfinance services, including microcredit loans, savings products, micro-enterprise financing, insurance facilitation, and financial literacy programs. The bank places a strong emphasis on empowering women and marginalized groups by promoting entrepreneurship, income generation, and self-sufficiency. With an extensive branch network across Nepal, Chhimek has built a reputation for high operational efficiency, responsible banking, and strong portfolio quality. Its client-centered approach, robust risk management practices, and commitment to social upliftment have made it one of the most respected microfinance institutions in the country. Chhimek Laghubitta Bikas Bank continues to strengthen Nepal’s microfinance sector by delivering sustainable financial solutions, fostering economic opportunities in rural areas, and contributing significantly to poverty reduction and inclusive economic growth.

www.chhimekbank.org/

Trading

Open

915.00

High

930.00

Low

897.50

Prev Close

919.00

Volume

28,597

Turnover

Rs 26,041,354.3

Txns

241

Valuation · Q2 FY25/26

EPS Ann.

31.85

EPS TTM

35.31

BVPS

233.66

P/E Ann.

28.62

P/E TTM

25.81

Graham #

409.20

Capital

Mkt Cap

29.31 Arab

Total

3.22 Crore

Public

1.58 Crore

Promoter

1.64 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Downtrend

Strength

Weak

Momentum

RSI (14)

55.47

ADX

9.98

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

909.05

SMA 50

924.22

Bands & Channels

BB Width %

3.59%

Volume & Flow

OBV

4,298,356

Flow Analysis

[ Live 2026-05-14 ]

Total Buy

105,080

Shares Bought

Total Sell

105,080

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 38%

Distribution 62%

Accumulators

Quantity

34,570

Amount

31,531,816

Avg Rate

912.12

Rank

Brokers

#65#29#44#35#49#52

Distributors

Quantity

56,005

Amount

50,735,514

Avg Rate

905.91

Rank

Brokers

#17#43#66

Net Flow Impact:

-21,435units

(Rs. -19,203,698)

Net Flow by Timeframe

CBBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 137,762 ]

Buy Side

Total: 67,104

Broker

QTY

AVG

NET

13,238

912.40

+13,226

12.6%

7,216

913.85

+2,212

6.9%

5,687

910.06

+5,348

5.4%

4,573

913.55

+3,771

4.3%

4,384

906.30

+123

4.2%

4,326

911.78

+3,135

4.1%

4,162

911.76

+1,589

4.0%

4,010

917.42

+2,838

3.8%

3,348

909.01

+123

3.2%

3,041

912.34

+1,913

2.9%

2,736

905.37

+2,213

2.6%

2,610

910.76

+1,196

2.5%

2,603

907.94

+1,639

2.5%

2,589

919.44

+1,742

2.5%

2,581

917.70

+1,446

2.5%

Sell Side

Total: 70,658

Broker

QTY

AVG

NET

50,390

904.91

-48,004

48.0%

3,489

918.28

-3,029

3.3%

2,126

909.20

-2,126

2.0%

2,056

922.04

-1,442

2.0%

2,048

910.91

-1,573

1.9%

1,711

918.94

-911

1.6%

1,417

921.19

-752

1.4%

1,390

915.55

-413

1.3%

1,322

919.40

-1,281

1.3%

1,213

916.10

-23

1.1%

1,182

915.06

-945

1.1%

833

916.87

-163

0.8%

608

919.83

-588

0.6%

485

917.88

-391

0.5%

388

924.03

-388

0.4%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Capital & Liabilities
Paid Up Capital	3,617,264,102	3,215,345,868	2,977,172,100	2,324,100,000	+12.50%
Reserves and Surplus	4,834,682,186	4,420,810,532	3,915,617,790	4,036,964,109	+9.36%
Debentures and Bonds	0.00	0.00	0.00	0.00	-
Borrowings	2,819,565,455	3,824,421,908	3,515,047,867	4,644,870,284	-26.27%
Deposits	42,838,109,110	36,342,421,623	31,889,677,821	29,562,164,950	+17.87%
Income Tax Liabilities	0.00	0.00	0.00	0.00	-
Other Liabilities	803,319,695	1,076,639,234	931,733,997	840,507,048	-25.39%
Total Capital & Liabilities	54,912,940,547	48,879,639,165	43,229,249,575	41,408,606,391	+12.34%
Assets
Cash and Bank Balance	11,182,778,009	8,909,005,705	9,630,184,448	6,358,348,321	+25.52%
Money at Call & Short Notice	0.00	0.00	0.00	0.00	-
Investments	833,782,600	764,218,640	662,680,000	601,028,000	+9.10%
Loan and Advances	41,858,151,896	37,821,256,754	31,876,102,004	33,533,834,537	+10.67%
Fixed Assets	282,221,668	281,297,417	289,128,078	289,790,845	+0.33%
Non Banking Assets	0.00	0.00	0.00	0.00	-
Other Assets	756,006,374	1,103,860,649	771,155,045	625,604,688	-31.51%
Total Assets	54,912,940,547	48,879,639,165	43,229,249,575	41,408,606,391	+12.34%

Sector Peers — Microfinance (30)

Peer Comparison

Microfinance SECTOR — NEPAL

2025/2026 Q2

NPR/Millions

Statement

Highlight

TICKER	Market				Key Ratios
	Price	Chg	Chg%	Mkt Cap (M)	Asset Turnover	BVPS	C/D Ratio%	EPS (Annu.)	EPS (TTM)	Graham's No.	Int. Rate Spread%	NIM%	NPL%	NPM%	P/B	P/E (Annu.)	PEG	P/E (Latest)	P/E (TTM)	P/S	ROA (Annu.)%	ROA (TTM)%	ROE (Annu.)%	ROE (TTM)%
ACLBSL	952	-2	-0.21%	-	0.13	169.98	213.9%	32.57	33.11	355.85	8.27%	7.44%	5.2%	14.84%	11.3	29.47	0.38	31.23	30.72	17.51	1.98%	2.01%	21%	21.36%
ADLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
AKBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ALBSL	1,105.5	-1.88	-0.17%	-	0.13	158.08	6.57%	31.29	38.77	371.35	8.4%	7.16%	10.15%	17.5%	14.95	37.78	0.09	35.6	28.73	26.45	2.24%	2.79%	21.34%	26.44%
ANLB	6,005	-44.77	-0.74%	-	0.12	428.75	0%	77.9	85.26	906.91	0%	-	11.81%	27.93%	28.45	78.31	0.31	80.87	73.89	87.5	3.32%	3.65%	20.24%	22.16%
AVYAN	1,120	+15.03	+1.36%	-	0.03	149.39	109.7%	61.89	55.85	433.27	8.34%	8.86%	4.15%	29.02%	12.66	15.29	0.01	15.51	17.19	17.75	0.9%	0.81%	47.92%	43.25%
BPW	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CYCL	1,472	0	0%	-	0.12	268.72	111.75%	27.99	41.89	503.26	7.91%	6.38%	18.48%	9.02%	11.24	53.96	0	55.09	36.81	19.47	1.06%	1.61%	10.74%	16.09%
DDBL	847	+0.76	+0.09%	-	0.14	221.13	115.62%	47.41	47.55	486.4	7.83%	8.32%	8.43%	24.37%	7.42	17.3	0.27	17.51	17.46	16.87	3.36%	3.37%	23.26%	23.33%
DLBS	1,323	-5.05	-0.38%	-	0.12	179.13	94.98%	18.38	19.05	277.09	7.67%	7.44%	9.83%	7.8%	14.52	70.73	0.15	71.27	68.77	22.09	0.94%	0.98%	10.82%	11.23%
FMDBL	795.9	+2.93	+0.37%	-	0.06	128.31	114.74%	10.47	11.14	179.33	1.42%	4.14%	4.52%	35.1%	12.39	75.93	2.15	74.4	69.93	106.64	2.12%	2.27%	8.24%	8.78%
FOWAD	1,050	-0.11	-0.01%	-	0.13	234.69	112.57%	31.98	20.71	330.7	7.31%	7.3%	8.92%	13.3%	9.12	33.46	0.02	32.86	50.75	17.8	1.7%	1.1%	13.14%	8.51%
GBLBS	771.9	+9.68	+1.27%	-	0.14	278.07	26.68%	43.75	34.76	466.35	8.84%	9.62%	4.76%	20.85%	5.57	17.69	1.06	17.21	21.66	14.76	2.94%	2.34%	15.96%	12.68%
GGBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GILB	1,111	-5.47	-0.49%	-	0.15	197.29	282.59%	32.67	34.47	391.17	8.43%	9.46%	8.96%	13.69%	11.67	35.23	0	33.76	32	19.3	2.02%	2.14%	16.8%	17.73%
GLBSL	1,780	0	0%	-	0.14	159.33	393.94%	40.22	38.34	370.74	8.44%	8.32%	3.13%	17.81%	24.15	47.84	0.9	41.57	0	34.09	2.5%	2.38%	28.82%	27.47%
GMFBS	1,327	-5.86	-0.44%	-	0.14	185.26	107.54%	-4.71	17.54	270.39	8.32%	8.86%	14.37%	-2.06%	16.14	-317.41	0	-309.55	83.12	26.18	-0.28%	1.07%	-2.96%	11.05%
HLBSL	890	0	0%	-	0.11	167.35	95.52%	26.24	32.38	349.17	8.6%	7.9%	8.58%	13.2%	10.68	34.05	0.57	34.49	27.95	17.99	1.48%	1.82%	16.98%	20.97%
ILBS	935	0	0%	-	0.13	136.88	119.88%	24.07	49.91	392.06	8.31%	7.38%	17.85%	15.51%	14.52	41.3	0.24	39.05	18.83	25.63	2%	4.16%	18.84%	39.06%
JALPA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
JBLB	1,315	+14.95	+1.15%	-	0.13	277.15	124.79%	50.65	60.15	612.44	5.85%	7.32%	5.98%	19.57%	9.54	26.1	0.39	25.94	21.84	20.44	2.56%	3.05%	20.08%	23.85%
JSLBB	1,090	-10.01	-0.91%	-	0.11	170.87	107.57%	11.8	19.17	271.48	7.6%	6.12%	9.15%	7.55%	13.55	98.14	0.42	95.25	58.63	29.66	0.86%	1.4%	7.44%	12.11%
KLBS	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KLBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KMCDB	866	-18.76	-2.12%	-	0.14	164.7	112.75%	26.09	27.74	320.62	8.67%	8.82%	11.42%	16.43%	11.48	36.22	1.33	34.92	32.84	23.81	2.3%	2.45%	16.28%	17.31%
LLBS	954	-5.95	-0.62%	-	0.12	187.67	107.03%	15.31	8.11	185.05	6.19%	7.64%	13.04%	8.25%	9.88	60.55	0.66	60.42	114.06	19.99	0.98%	0.52%	8.78%	4.65%
MATRI	894	-16.02	-1.76%	-	0.1	119.9	102.58%	11.25	9.36	158.91	7.28%	4.96%	10.48%	5.5%	16.35	87.11	0.6	85.78	103.1	19.18	0.54%	0.45%	7%	5.84%
MERO	715.1	+0.07	+0.01%	-	0.12	155.78	110.81%	13.88	16.56	240.92	8.6%	7.38%	19.54%	10.28%	9.53	53.46	3.4	51.59	43.24	21.99	1.24%	1.48%	9.08%	10.84%
MKLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
MLBBL	1,180	-12.04	-1.01%	-	0.14	223.65	235.93%	47.22	44.45	472.95	7.86%	8.78%	8.39%	23.4%	11.8	27.95	1.18	27.61	29.33	26.17	3.24%	3.05%	23.7%	22.32%

AVG	1,295.43	-3.84	-0.21%	-	0.12	198.28	127.61%	30.83	33.92	379.38	7.28%	7.6%	9.87%	15.86%	13.041	30.021	0.642	29.654	44.584	28.694	1.82%	2.04%	16.52%	18.5%
MED	1,070	-0.99	-0.09%	-	0.13	175	111.28%	29.64	33.79	363.3	8.09%	7.44%	9.06%	15.18%	11.735	37	0.385	35.26	32.42	21.215	1.99%	2.08%	16.54%	17.52%
MAX	6,005	15.03	1.36%	-	0.15	428.75	393.94%	77.9	85.26	906.91	8.84%	9.62%	19.54%	35.1%	28.45	98.14	3.4	95.25	114.06	106.64	3.36%	4.16%	47.92%	43.25%
MIN	715.1	-44.77	-2.12%	-	0.03	119.9	0%	-4.71	8.11	158.91	0%	4.14%	3.13%	-2.06%	5.57	-317.41	0	-309.55	0	14.76	-0.28%	0.45%	-2.96%	4.65%