Grameen Bikas Laghubitta Bittiya Sanstha Ltd.

Microfinance

NPR 767.60

NPR +0.6+0.08%

09:14 AM NPT · Jun 26, 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

769.00

High

770.00

Low

755.00

Prev Close

767.00

Volume

782

Turnover

Rs 595,904.7

Txns

Valuation · Q3 FY25/26

EPS Ann.

40.00

EPS TTM

36.73

BVPS

295.18

P/E Ann.

19.19

P/E TTM

20.90

Graham #

515.42

Capital

Mkt Cap

N/A

Total

N/A

Public

N/A

Promoter

N/A

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Neutral

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Strong

Momentum

RSI (14)

48.78

ADX

31.51

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

772.04

SMA 50

769.56

Bands & Channels

BB Width %

3.64%

Volume & Flow

OBV

3,378,585

Flow Analysis

[ Live 2026-06-26 ]

Total Buy

10,348

Shares Bought

Total Sell

10,348

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 46%

Distribution 54%

Accumulators

Quantity

2,567

Amount

1,957,580

Avg Rate

762.59

Rank

#34

Brokers

#81#51

Distributors

Quantity

2,992

Amount

2,283,547

Avg Rate

763.22

Rank

#32

Brokers

#63#34#36#45

Net Flow Impact:

-425units

(Rs. -325,967)

Net Flow by Timeframe

GBLBS — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 14,711 ]

Buy Side

Total: 6,647

Broker

QTY

AVG

NET

1,492

765.02

+1,331

14.4%

1,075

759.23

+1,060

10.4%

764

758.00

+764

7.4%

696

758.69

+344

6.7%

482

758.83

+137

4.7%

350

775.77

+350

3.4%

300

769.68

+300

2.9%

262

763.16

+252

2.5%

205

758.13

+45

2.0%

200

760.20

+200

1.9%

180

763.00

+80

1.7%

179

756.98

+84

1.7%

172

754.92

+157

1.7%

150

760.17

+150

1.4%

140

757.33

+130

1.4%

Sell Side

Total: 8,064

Broker

QTY

AVG

NET

1,100

757.38

-100

10.6%

830

764.68

-513

8.0%

741

761.65

-650

7.2%

722

767.26

-722

7.0%

699

758.97

-564

6.8%

624

766.58

-9

6.0%

515

754.33

-15

5.0%

502

759.63

-502

4.8%

442

765.35

-226

4.3%

400

771.50

-385

3.9%

335

774.80

-184

3.2%

325

760.38

-275

3.1%

300

774.57

-175

2.9%

272

755.60

-272

2.6%

257

759.74

-257

2.5%

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	8,960,560	7,283,714	5,831,933	0	+23.02%
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	785,808	956,975	893,159	0	-17.89%
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	939	-16.04	-1.68%	0	0.13	179.21	201.13%	8.36	34.02	34.53	373.14	8.74	7.8	15.46	6.87%	7.42	29.3	0.53	27.8	8.06	2.08	2.11%	20.84	21.15%
ADLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
AKBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ALBSL	1,070	-14.97	-1.38%	0.01	0.13	163.92	113.23%	8.15	29.28	39.86	383.42	8.28	7.29	15.87	9.88%	9.34	39.2	0.26	27.75	11.07	2.05	2.79%	19.25	26.22%
ANLB	5,894	-5.9	-0.1%	0.01	0.11	484.74	-	4.49	82.49	91.55	999.25	-	8.2	29.25	11.17%	17.78	78.37	0.57	64.88	40.76	3.21	3.57%	19.63	21.79%
AVYAN	1,060	+0.11	+0.01%	0	0.15	157.84	110.28%	8.3	52.53	56.82	449.21	8.88	8.45	25.67	5.14%	9.83	22.14	0.06	19.62	10.11	3.72	4.02%	38.32	41.45%
BPW	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBBL	910.7	-0.27	-0.03%	0.03	0.12	241.93	95.82%	5.53	33.41	34.99	436.42	6.8	6.65	18.45	2.32%	5.03	27.3	-	26.32	8.96	2.25	2.36%	14.47	15.16%
CYCL	1,432.9	-29.69	-2.03%	0	0.11	269.54	110.75%	9.28	26.74	43.18	511.73	7.84	6.33	8.72	19.7%	7.73	58.45	-	33.7	9.07	1	1.62%	9.93	16.05%
DDBL	830	-3.42	-0.41%	0.02	0.13	212.26	111.22%	5.63	44.13	45.7	467.18	7.76	8	25.18	7.52%	5.28	19.06	0.45	18.6	8.53	3.27	3.39%	22.63	23.43%
DLBS	1,235	-42.15	-3.3%	0	0.11	148.7	96.63%	11.63	18.29	21.19	266.26	7.92	6.77	8.34	23.62%	11.57	70.54	0.28	59.75	10.47	0.95	1.11%	11.75	13.61%
FMDBL	770	-2.01	-0.26%	0.01	0.06	131.53	119.28%	2.27	11.27	13	196.14	1.37	4.79	36.69	4.36%	8.37	73.25	1.15	60.68	47.77	2.33	2.69%	8.72	10.06%
FOWAD	990	-5.98	-0.6%	0.01	0.13	239.61	115.98%	7.08	18.15	16.05	294.16	7.34	7.11	7.55	18.91%	6.49	64.23	0.16	64.74	8.62	0.95	0.84%	7.36	6.5%
GGBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GILB	1,102	+0.99	+0.09%	0.01	0.14	214.72	277.7%	7.08	45.16	47.07	476.87	8.24	9.37	18.92	8.69%	7.1	25.33	0.63	24.01	8.52	2.73	2.85%	22.17	23.11%
GLBSL	1,800	-35.05	-1.91%	0	0.14	168.91	379.35%	9.58	40.62	39.89	389.36	8.59	8.17	17.9	3.41%	14.21	44.31	1.48	45.47	14.11	2.45	2.41%	27.36	26.86%
GMFBS	1,226.2	-16.78	-1.35%	0	0.13	169.51	105.16%	9.23	53.71	52.94	449.35	7.56	8.55	24.17	14.29%	10.85	25.69	0.15	24.52	11.04	3.16	3.12%	32.12	31.67%
HLBSL	875	0	0%	0	0.13	178.01	101.94%	8.47	31.68	34.99	374.36	8.76	8.47	15.5	10.04%	6.93	29.2	0.68	25.72	8.05	1.96	2.17%	19.36	21.37%
ILBS	890.1	-17.89	-1.97%	0	0.12	140.07	113.65%	7.83	20.31	33.95	327.1	8.52	6.89	13.96	23.93%	9.21	47.66	-	26.98	11.83	1.65	2.77%	14.61	24.44%
JALPA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
JBLB	1,261	+4.02	+0.32%	0.02	0.13	255.24	127.25%	6.32	47.73	57.77	575.99	6.22	7.55	20.19	4.8%	6.83	27.38	0.5	22.45	9.83	2.65	3.22%	20.73	25.09%
JSLBB	1,031	+13.03	+1.28%	0	0.11	170.91	108.22%	6.92	8.09	19.73	275.45	7.3	6.19	5.27	21.45%	8.93	141.53	0.62	55.5	13.28	0.59	1.45%	5.12	12.49%
KLBS	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KLBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KMCDB	821	-98.99	-10.76%	0	0.13	154.96	111.88%	6.96	4.37	12.22	206.41	8.9	8.88	2.74	14.14%	7.87	209.38	-	71.28	10.21	0.36	1.03%	2.76	7.74%
LLBS	923	0	0%	0	0.13	192.91	115.22%	6.79	17.29	6.03	161.78	7.58	7.77	9.2	12.59%	6.74	56.39	3.91	156.72	9.23	1.16	0.4%	9.57	3.33%
MATRI	850	-9.02	-1.05%	0.01	0.1	132.3	105.65%	14.4	15.11	9.04	164.04	7.86	5.11	7.18	9.55%	9.59	63	0.23	99.78	8.04	0.73	0.44%	9.15	5.47%
MERO	710.9	-1.07	-0.15%	0.01	0.11	151.87	103.74%	7.11	13.33	15.83	232.58	8.53	7.12	10.29	18.84%	6.56	56.04	5.65	46.16	10.26	1.16	1.39%	8.95	10.63%
MKLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
MLBBL	1,167.9	-0.12	-0.01%	0	0.13	199.67	235.28%	5.89	38.36	40.85	428.39	6.98	7.88	22.88	12.03%	8.59	33.55	5.34	29.61	13.65	2.89	3.09%	21.88	23.3%

AVG	1,263.17	-12.78	-1.15%	0.01	0.122	198.11	140.92%	7.6	31.19	34.87	383.57	7.62	7.42	16.34	11.97%	8.739	56.42	1.258	46.911	13.249	1.97	2.22%	16.67	18.68%
MED	1,010.5	-4.66	-0.33%	0	0.13	174.46	111.88%	7.1	30.48	34.99	378.89	7.86	7.66	15.68	10.61%	8.12	45.99	0.55	31.655	10.16	2.07	2.39%	16.93	21.26%
MAX	5,894	13.03	1.28%	0.03	0.15	484.74	379.35%	14.4	82.49	91.55	999.25	8.9	9.37	36.69	23.93%	17.78	209.38	5.65	156.72	47.77	3.72	4.02%	38.32	41.45%
MIN	710.9	-98.99	-10.76%	0	0.06	131.53	95.82%	2.27	4.37	6.03	161.78	1.37	4.79	2.74	2.32%	5.03	19.06	0.06	18.6	8.04	0.36	0.4%	2.76	3.33%