Grameen Bikas Laghubitta Bittiya Sanstha Ltd.

Microfinance

NPR 657.00

NPR +15.1+2.35%

09:04 AM NPT · Sep 15, 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

673.00

High

673.00

Low

646.30

Prev Close

641.90

Volume

5,370

Turnover

Rs 3,507,628.7

Txns

Valuation · Q3 FY25/26

EPS Ann.

40.00

EPS TTM

36.73

BVPS

295.18

P/E Ann.

16.43

P/E TTM

17.89

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 Sell

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

43.49

ADX

55.22

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

669.83

SMA 50

715.82

Bands & Channels

BB Width %

15.67%

Volume & Flow

OBV

3,314,473

Flow Analysis

[ Live 2026-09-15 ]

Total Buy

26,752

Shares Bought

Total Sell

26,752

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 52%

Distribution 48%

Accumulators

Quantity

11,007

Amount

7,052,967

Avg Rate

640.77

Rank

#15

Brokers

#39#57#45#34

Distributors

Quantity

10,113

Amount

6,366,428

Avg Rate

629.53

Rank

#18

Brokers

#44#33

Net Flow Impact:

+894units

(Rs. 686,539)

Net Flow by Timeframe

GBLBS — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 37,604 ]

Buy Side

Total: 19,572

Broker

QTY

AVG

NET

5,962

646.80

+1,451

22.3%

2,120

636.14

+1,985

7.9%

1,600

630.44

+600

6.0%

1,542

630.83

+1,056

5.8%

1,383

632.95

+1,368

5.2%

1,203

629.29

+1,049

4.5%

840

633.97

+229

3.1%

833

626.85

+621

3.1%

696

636.38

+596

2.6%

680

641.12

+665

2.5%

670

629.06

+190

2.5%

585

658.21

+255

2.2%

500

620.20

+468

1.9%

500

627.36

+500

1.9%

458

631.90

+458

1.7%

Sell Side

Total: 18,032

Broker

QTY

AVG

NET

6,613

623.82

-6,613

24.7%

3,500

640.31

-3,480

13.1%

2,461

651.36

-1,875

9.2%

1,401

634.69

-853

5.2%

1,208

647.89

-144

4.5%

101

700

635.06

-700

2.6%

626

639.99

-446

2.3%

510

639.70

-330

1.9%

334

652.34

-309

1.3%

200

654.00

-200

0.8%

144

627.72

-124

0.5%

130

642.13

-59

0.5%

100

639.00

-80

0.4%

645.05

-10

0.2%

625.70

-45

0.2%

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	900	+22.04	+2.51%	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	4.07	32.78	4.17	1.68	1.68%	16.48	16.48%
ADLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
AKBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ALBSL	1,210	+17.88	+1.5%	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	2.31	33.07	5.48	2.23	2.23%	19.62	19.62%
ANLB	5,020	+44.78	+0.9%	0	0.11	362.38	-	5.73	69.71	69.71	753.91	-	7.65	26.79	10.78%	19.87	103.29	3.33	73.73	27.67	3.07	3.07%	19.94	19.94%
AVYAN	1,078	+44.05	+4.26%	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	18.23	5.02	3.86	3.86%	39.92	39.92%
BPW	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBBL	959.8	+8.84	+0.93%	0.03	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	-	26.16	4.96	2.37	2.37%	14.96	14.96%
CYCL	1,490	-10.05	-0.67%	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	13.25	4.07	4.02	4.02%	34.85	34.85%
DDBL	861	+16.88	+2%	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	0.58	17.44	4.74	3.48	3.48%	23.1	23.1%
DLBS	1,119	+145.62	+14.96%	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	1.74	65.33	5.45	0.82	0.82%	9.82	9.82%
FMDBL	748	+4.02	+0.54%	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	1.19	53.46	28.58	3.06	3.06%	10.56	10.56%
FOWAD	910	+20.98	+2.36%	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	17.61	3.96	2.69	2.69%	19.74	19.74%
GGBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GILB	1,129	+10.96	+0.98%	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	0.28	17.62	4.39	3.6	3.6%	27.61	27.61%
GLBSL	1,660	+20.01	+1.22%	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	-	55.61	7.58	1.87	1.87%	20.28	20.28%
GMFBS	1,136.9	+17.9	+1.6%	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	17.72	40.41	5.77	1.68	1.68%	17.09	17.09%
HLBSL	879.9	+8.88	+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	3.12	27.83	4.17	1.8	1.8%	18.06	18.06%
ILBS	948	+22.13	+2.39%	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	0.25	23.43	5.33	2.89	2.89%	23.03	23.03%
JALPA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
JBLB	1,285	+17.99	+1.42%	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	0.72	20.33	5.18	3.34	3.34%	24.42	24.42%
JSLBB	969.9	-2.14	-0.22%	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	3.72	90.37	6.04	0.75	0.75%	6.42	6.42%
KLBS	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KLBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KMCDB	818.5	+8.5	+1.05%	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	8.41	28.25	4.66	2.21	2.21%	15.73	15.73%
LLBS	860	-3.02	-0.35%	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	36.24	4.68	1.59	1.59%	13.24	13.24%
MATRI	758	+12.96	+1.74%	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	17.46	3.47	2.3	2.3%	27.46	27.46%
MERO	616.8	+3.8	+0.62%	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	-	75.09	4.92	0.69	0.69%	5.63	5.63%
MKLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
MLBBL	975	+19.96	+2.09%	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	-	49.68	6.63	1.38	1.38%	11.97	11.97%

AVG	1,196.95	20.59	1.95%	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	2.657	37.881	7.133	2.34	2.34%	19.09	19.09%
MED	964.85	17.38	1.32%	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	0.955	30.515	4.99	2.26	2.26%	18.84	18.84%
MAX	5,020	145.62	14.96%	0.03	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	17.72	90.37	28.58	4.02	4.02%	39.92	39.92%
MIN	616.8	-10.05	-0.67%	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	13.25	3.47	0.69	0.69%	5.63	5.63%