Global IME Laghubitta Bittiya Sanstha Ltd.

MicrofinanceHigh Cap

NPR 1,111.00

NPR -5.5-0.49%

09:14 AM NPT · May 14, 2026

Est. May 19, 2013 · Pokhara-26, Shanti Marg, Pokhara, Gandaki Province, Nepal · CEO: Hari Krishna Joshi

Global IME Laghubitta Bittiya Sanstha Limited, a subsidiary of Global IME Bank Limited, was registered on 2069/11/24 and began operations on 2070/02/05 as a class “D” microfinance institution after approval from Nepal Rastra Bank. Initially serving 10 districts, it gradually expanded to 15 districts and later to 45 districts, earning recognition as a National Level Microfinance Institution on 2075/10/17. The institution further strengthened its presence by acquiring Sparsha Laghubitta Bittiya Sanstha Limited and commencing joint operations from Baisakh 8, enhancing its outreach and service capabilities across Nepal.

gilb.com.np/facebook

Trading

Open

1,115.00

High

1,120.00

Low

1,105.00

Prev Close

1,116.50

Volume

395

Turnover

Rs 438,772

Txns

Valuation · Q2 FY25/26

EPS Ann.

32.67

EPS TTM

34.47

BVPS

197.29

P/E Ann.

34.01

P/E TTM

32.23

Graham #

380.82

Capital

Mkt Cap

6.88 Arab

Total

61.89 Lakh

Public

18.57 Lakh

Promoter

43.32 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Downtrend

Strength

Strong

Momentum

RSI (14)

48.06

ADX

27.4

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

1117.56

SMA 50

1154.72

Bands & Channels

BB Width %

6.33%

Volume & Flow

OBV

457,435

Flow Analysis

[ Live 2026-05-14 ]

Total Buy

4,095

Shares Bought

Total Sell

4,095

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 39%

Distribution 61%

Accumulators

Quantity

1,163

Amount

1,310,054

Avg Rate

1126.44

Rank

#39

Brokers

#100#56

Distributors

Quantity

1,824

Amount

2,038,912

Avg Rate

1117.82

Rank

#38

Brokers

#49#47#5

Net Flow Impact:

-661units

(Rs. -728,858)

Net Flow by Timeframe

GILB — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 6,663 ]

Buy Side

Total: 3,472

Broker

QTY

AVG

NET

100

663

1134.64

+663

16.2%

500

1115.58

+386

12.2%

369

1124.88

+319

9.0%

360

1123.42

+175

8.8%

325

1111.82

+325

7.9%

301

1104.79

+229

7.3%

213

1115.94

+209

5.2%

189

1119.54

+94

4.6%

166

1120.95

+149

4.0%

151

1117.20

+151

3.7%

115

1115.21

+115

2.8%

1115.00

+43

1.1%

1121.96

+22

0.9%

1085.00

0.5%

1106.00

0.5%

Sell Side

Total: 3,191

Broker

QTY

AVG

NET

1,079

1117.54

-889

26.4%

400

1111.94

-400

9.8%

345

1125.52

-345

8.4%

305

1125.00

-248

7.5%

206

1104.58

-103

5.0%

150

1132.23

-140

3.7%

140

1105.99

-47

3.4%

102

1125.00

-92

2.5%

1128.54

-99

2.4%

1120.00

-58

2.4%

1115.00

-60

1.7%

1100.00

-56

1.4%

1130.00

-50

1.2%

1106.00

-46

1.1%

1127.67

-45

1.1%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Capital & Liabilities
Paid Up Capital	648,297,797	618,900,045	618,900,045	552,589,326	+4.75%
Reserves and Surplus	630,705,820	621,250,070	501,846,353	675,833,818	+1.52%
Debentures and Bonds	0.00	0.00	0.00	0.00	-
Borrowings	5,292,571,370	4,928,519,904	3,527,461,766	4,356,250,877	+7.39%
Deposits	3,853,990,815	3,309,419,351	3,215,439,664	3,172,095,942	+16.46%
Income Tax Liabilities	0.00	12947558.00	0.00	0.00	-100.00%
Other Liabilities	442,813,647	447,352,773	191,768,200	341,250,142	-1.01%
Total Capital & Liabilities	10,868,379,449	9,938,389,701	8,055,416,028	9,098,020,105	+9.36%
Assets
Cash and Bank Balance	449,610,072	321,886,709	246,123,090	415,555,976	+39.68%
Money at Call & Short Notice	0.00	0.00	0.00	0.00	-
Investments	2,200,000	11,445,644	12,445,644	1,000,000	-80.78%
Loan and Advances	10,299,834,943	9,436,269,547	7,545,774,592	8,364,058,982	+9.15%
Fixed Assets	83,425,513	75,194,478	82,298,010	90,538,170	+10.95%
Non Banking Assets	0.00	0.00	0.00	0.00	-
Other Assets	33,308,922	93,593,323	168,774,693	226,866,977	-64.41%
Total Assets	10,868,379,450	9,938,389,701	8,055,416,029	9,098,020,105	+9.36%

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	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBBL	911.5	-7.54	-0.82%	-	0.13	233.66	94.92%	31.85	35.31	430.86	5.51%	6.96%	2.45%	17.74%	7.89	28.95	963	28.89	26.05	20.54	2.22%	2.46%	14.32%	15.87%
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	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
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	1,286.36	-3.93	-0.22%	-	0.12	199.93	119.08%	30.8	33.96	381.19	7.15%	7.48%	9.57%	16.04%	12.87	29.735	44.415	29.432	44.314	28.75	1.83%	2.06%	16.41%	18.42%
MED	1,002	-0.99	-0.09%	-	0.13	175	110.26%	29.64	33.94	363.3	7.89%	7.44%	9.04%	15.97%	11.64	37	0.405	35.26	31.78	21.265	1.99%	2.14%	16.12%	16.7%
MAX	6,005	15.03	1.36%	-	0.14	428.75	393.94%	77.9	85.26	906.91	8.84%	9.62%	19.54%	35.1%	28.45	98.14	963	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%	2.45%	-2.06%	5.57	-317.41	0	-309.55	0	14.76	-0.28%	0.45%	-2.96%	4.65%