Grameen Bikas Laghubitta Bittiya Sanstha Ltd.

MicrofinanceHigh Cap

NPR 641.30

NPR -10.2-1.57%

09:05 AM NPT · Nov 6, 2026

Est. August 15, 2014 · Butwal, Rupandehi District, Lumbini Province, Nepal · CEO: Parbat Karki

Grameen Bikas Laghubitta Bittiya Sanstha Ltd. (GBLBS), formerly known as Nepal Grameen Bikas Bank Ltd., was established on August 15, 2014 (Shrawan 30, 2071) through the successful merger of five regional Grameen Bikas Banks that operated across the five development regions of Nepal. This strategic consolidation created one of the largest microfinance institutions in the country, dedicated to poverty alleviation and financial inclusion. The institution was registered as a public limited company on 30th July 2014 (Shrawan 14, 2071) under the Company Act 2063 and is regulated by Nepal Rastra Bank under the Bank and Financial Institution Act, 2073. Following approval from the Office of the Company Registrar, and as per the decision of its Annual General Meeting, the organization officially changed its name from Nepal Grameen Bikas Bank Ltd. to Grameen Bikas Laghubitta Bittiya Sanstha Ltd. on 2074/12/28. Headquartered in Butwal, Rupandehi, Lumbini Province, GBLBS operates with a mission to uplift economically disadvantaged communities through microfinance services, community empowerment, and livelihood development programs. With its wide network and long-standing Grameen banking model, the institution continues to play a pivotal role in expanding access to financial services across rural and semi-urban Nepal.

www.gblbs.com.np/

Trading

Open

640.10

High

650.00

Low

640.10

Prev Close

651.50

Volume

2,496

Turnover

Rs 1,609,046.4

Txns

Valuation · Q3 FY25/26

EPS Ann.

40.00

EPS TTM

36.73

BVPS

295.18

P/E Ann.

16.03

P/E TTM

17.46

Graham #

515.42

Capital

Mkt Cap

6.73 Arab

Total

1.05 Crore

Public

31.51 Lakh

Promoter

73.51 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Neutral

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Moderate

Momentum

RSI (14)

39.15

ADX

24.05

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

657.2

SMA 50

665.2

Bands & Channels

BB Width %

6.42%

Volume & Flow

OBV

3,298,793

Flow Analysis

[ Live 2026-11-06 ]

Total Buy

10,555

Shares Bought

Total Sell

10,555

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 37%

Distribution 63%

Accumulators

Quantity

2,712

Amount

1,768,805

Avg Rate

652.21

Rank

#31

Brokers

#42#41#16

Distributors

Quantity

4,669

Amount

3,000,212

Avg Rate

642.58

Rank

#25

Brokers

#22#48#46

Net Flow Impact:

-1,957units

(Rs. -1,231,407)

Net Flow by Timeframe

GBLBS — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 17,052 ]

Buy Side

Total: 8,794

Broker

QTY

AVG

NET

1,077

658.88

+238

10.2%

1,034

657.59

+734

9.8%

962

650.35

+850

9.1%

716

646.96

+716

6.8%

675

643.71

+645

6.4%

600

651.52

+600

5.7%

583

657.07

+285

5.5%

545

658.52

+545

5.2%

445

632.56

+445

4.2%

440

641.30

+395

4.2%

426

646.10

+80

4.0%

405

662.57

+405

3.8%

312

658.36

+169

3.0%

300

647.52

+270

2.8%

274

642.35

+274

2.6%

Sell Side

Total: 8,258

Broker

QTY

AVG

NET

1,845

644.24

-1,825

17.5%

1,624

643.43

-1,504

15.4%

1,200

638.89

-1,183

11.4%

1,000

661.80

-1,000

9.5%

656

660.40

-656

6.2%

500

657.61

-147

4.7%

438

656.26

-392

4.2%

315

655.58

-205

3.0%

215

655.62

-85

2.0%

101

666.69

-101

1.0%

100

660.96

-100

0.9%

657.75

-71

0.9%

665.25

-77

0.7%

657.52

-50

0.5%

652.58

-45

0.4%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Capital & Liabilities
Paid Up Capital	1,005,350	982,500	982,500	0	+2.33%
Reserves and Surplus	1,962,278	1,792,820	1,241,781	0	+9.45%
Debentures and Bonds	0.00	0.00	0.00	0	-
Borrowings	89,827	7,283,714	5,831,933	0	-98.77%
Deposits	3,874,813	3,492,627	3,567,805	0	+10.94%
Income Tax Liabilities	0.00	0.00	0.00	0	-
Other Liabilities	495,627	824,253	992,122	0	-39.87%
Total Capital & Liabilities	16,298,628	14,375,913	12,616,141	0	+13.37%
Assets
Cash and Bank Balance	1,013,712	962,208	728,471	0	+5.35%
Money at Call & Short Notice	0.00	0.00	0.00	0	-
Investments	2,025	2,025	2,025	0	0.00%
Loan and Advances	14,413,618	12,372,963	10,913,009	0	+16.49%
Fixed Assets	83,465	81,741	79,477	0	+2.11%
Non Banking Assets	0.00	0.00	0.00	0	-
Other Assets	195,510	956,975	893,159	0	-79.57%
Total Assets	16,298,628	14,375,913	12,616,141	0	+13.37%

Sector Peers — Microfinance (30)

Peer Comparison

Microfinance SECTOR — NEPAL

2025/2026 Q3

NPR/Millions

Statement

Highlight

TICKER	Market				Key Ratios
	Price	Chg	Chg%	Mkt Cap (M)	Asset Turnover	Book Value Per Share	C/D Ratio%	Debt to Equity	EPS (Annualized)	EPS (TTM)	Graham's Number	Interest Rate Spread	Net Interest Margin	Net Profit Margin	NPL%	P/B	P/E (Annualized)	PEG	P/E (TTM)	P/S	ROA (Annualized)	ROA (TTM)%	ROE (Annualized)	ROE (TTM)%
ACLBSL	817.5	-15.66	-1.88%	0	0.14	180.9	188.13%	7.96	27.79	27.79	336.32	9.04	8.24	12.44	6.01%	5.15	33.54	3.99	32.13	4.17	1.68	1.68%	16.48	16.48%
ADLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
AKBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ALBSL	1,169.6	-2.34	-0.2%	0.01	0.13	174.67	114%	7.78	32.63	32.63	358.1	8.56	7.25	17.03	8.57%	6.01	32.18	2.55	36.47	5.48	2.23	2.23%	19.62	19.62%
ANLB	4,899.3	+30.19	+0.62%	0	0.11	362.38	-	5.73	69.71	69.71	753.91	-	7.65	26.79	10.78%	19.87	103.29	3.24	71.8	27.67	3.07	3.07%	19.94	19.94%
AVYAN	1,020	+2.04	+0.2%	0	0.14	158.75	111.65%	8.35	57.04	57.04	451.38	8.37	8.5	27.5	7.41%	6.56	18.27	0.16	18.65	5.02	3.86	3.86%	39.92	39.92%
BPW	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBBL	987	-2.77	-0.28%	0.04	0.12	251.06	95.51%	5.35	35.91	35.91	450.39	6.23	5.32	19.33	2.3%	3.67	25.68	-	26.73	4.96	2.37	2.37%	14.96	14.96%
CYCL	1,362	+10.41	+0.77%	0	0.12	357.75	112.53%	6.62	110.66	110.66	943.79	7.91	6.61	33.9	14.04%	3.71	12	0.09	13.46	4.07	4.02	4.02%	34.85	34.85%
DDBL	862.5	-4.51	-0.52%	0.02	0.13	226.87	112.67%	5.38	48.15	48.15	495.77	7.76	7.42	26.83	6.49%	3.75	17.65	0.59	17.94	4.74	3.48	3.48%	23.1	23.1%
DLBS	1,039	0	0%	0	0.12	150.57	45.18%	11.27	15.72	15.72	230.77	7.98	6.58	7.08	20.52%	8.03	76.91	2.01	75.32	5.45	0.82	0.82%	9.82	9.82%
FMDBL	718	+2	+0.28%	0.01	0.06	137.26	123.87%	2.09	14.18	14.18	209.27	1.36	4.04	47.12	2.88%	6.27	60.65	1.2	53.67	28.58	3.06	3.06%	10.56	10.56%
FOWAD	900.1	+5.1	+0.57%	0.01	0.13	278.57	115.92%	6.23	52.14	52.14	571.67	7.56	6.59	21.07	16.17%	3.51	18.78	0.02	17.51	3.96	2.69	2.69%	19.74	19.74%
GGBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GILB	1,127.6	+17.54	+1.58%	0.01	0.14	242.58	270.5%	6.57	61.87	61.87	581.11	8.81	8.56	25.61	8.7%	4.37	17.13	0.3	18.4	4.39	3.6	3.6%	27.61	27.61%
GLBSL	1,440	-39.05	-2.64%	0	0.14	169.51	352.61%	9.34	31.11	31.11	344.46	8.49	8.14	13.37	8.09%	10.41	56.7	-	55.45	7.58	1.87	1.87%	20.28	20.28%
GMFBS	1,039	+9.98	+0.97%	0	0.12	158	105.93%	9.42	28.68	28.68	319.31	8.51	7.16	13.91	13.79%	7.52	41.42	17.08	38.95	5.77	1.68	1.68%	17.09	17.09%
HLBSL	870	-8.97	-1.02%	0	0.12	185.53	93.98%	8.71	31.26	31.26	361.24	8.3	7.31	14.98	9.04%	4.69	27.81	3.16	28.21	4.17	1.8	1.8%	18.06	18.06%
ILBS	965	+24.91	+2.65%	0	0.13	161.73	120.99%	6.56	36.66	36.66	365.24	8.82	8.07	22.62	12.92%	5.34	23.57	0.31	29.05	5.33	2.89	2.89%	23.03	23.03%
JALPA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
JBLB	1,289	+7.94	+0.62%	0.02	0.13	279.95	125.1%	6	61.8	61.8	623.92	7.19	7.21	25.61	5.33%	4.47	20.23	0.73	20.58	5.18	3.34	3.34%	24.42	24.42%
JSLBB	923.4	+10.41	+1.14%	0	0.12	175.1	110.76%	7.07	10.7	10.7	205.32	5.31	6.51	6.47	17.14%	5.71	93.36	3.8	92.34	6.04	0.75	0.75%	6.42	6.42%
KLBS	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KLBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KMCDB	775.1	+0.08	+0.01%	0	0.13	178.73	114.65%	6.22	27.4	27.4	331.94	8.66	8.3	16.52	9.78%	4.32	28.2	9.34	31.39	4.66	2.21	2.21%	15.73	15.73%
LLBS	813.9	+0.89	+0.11%	0	0.13	204.16	194.11%	7.17	24.2	24.2	333.41	9.54	7.1	12.32	11.93%	4.51	38.01	0.08	35.99	4.68	1.59	1.59%	13.24	13.24%
MATRI	709.8	+9.18	+1.31%	0	0.12	145.42	114.29%	12.35	45.13	45.13	384.27	7.95	6.32	18.68	26.61%	5.77	18.59	0.03	16.37	3.47	2.3	2.3%	27.46	27.46%
MERO	631.9	+2.02	+0.32%	0.01	0.11	149.87	87.82%	8.3	8.47	8.47	169	8.37	5.92	6.22	17.32%	4.47	79.1	-	72.26	4.92	0.69	0.69%	5.63	5.63%
MKLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
MLBBL	920	0	0%	0	0.12	167.93	237.58%	7.88	20.07	20.07	275.38	7.03	6.92	11.91	9.89%	6.65	55.66	-	49.48	6.63	1.38	1.38%	11.97	11.97%

AVG	1,149.08	2.7	0.21%	0.01	0.123	204.42	140.37%	7.38	38.69	38.69	413.45	7.7	7.08	19.42	11.17%	6.125	40.85	2.704	38.734	7.133	2.34	2.34%	19.09	19.09%
MED	944.2	2.01	0.24%	0	0.125	176.92	114.29%	7.12	31.95	31.95	359.67	8.3	7.19	17.86	9.84%	5.245	30.19	0.965	31.76	4.99	2.26	2.26%	18.84	18.84%
MAX	4,899.3	30.19	2.65%	0.04	0.14	362.38	352.61%	12.35	110.66	110.66	943.79	9.54	8.56	47.12	26.61%	19.87	103.29	17.08	92.34	28.58	4.02	4.02%	39.92	39.92%
MIN	631.9	-39.05	-2.64%	0	0.06	137.26	45.18%	2.09	8.47	8.47	169	1.36	4.04	6.22	2.3%	3.51	12	0.02	13.46	3.47	0.69	0.69%	5.63	5.63%