Global IME Laghubitta Bittiya Sanstha Ltd.

MicrofinanceHigh Cap

NPR 1,139.50

NPR +11.4+1.01%

09:11 AM NPT · Sep 24, 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

1,128.00

High

1,139.50

Low

1,125.10

Prev Close

1,128.10

Volume

804

Turnover

Rs 908,055.6

Txns

Valuation · Q4 FY25/26

EPS Ann.

61.87

EPS TTM

61.87

BVPS

242.58

P/E Ann.

18.42

P/E TTM

18.42

Graham #

581.11

Capital

Mkt Cap

7.05 Arab

Total

61.89 Lakh

Public

18.57 Lakh

Promoter

43.32 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Sell

SuperTrend

Strong Buy

Trend Analysis

Direction

Downtrend

Strength

Strong

Momentum

RSI (14)

69.51

ADX

31.37

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

1106.33

SMA 50

1100.4

Bands & Channels

BB Width %

8.6%

Volume & Flow

OBV

456,512

Flow Analysis

[ Live 2026-09-24 ]

Total Buy

8,928

Shares Bought

Total Sell

8,928

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 41%

Distribution 59%

Accumulators

Quantity

2,735

Amount

3,122,266

Avg Rate

1141.60

Rank

#26

Brokers

#29#39#84

Distributors

Quantity

3,866

Amount

4,394,954

Avg Rate

1136.82

Rank

#21

Brokers

#25#38#74

Net Flow Impact:

-1,131units

(Rs. -1,272,688)

Net Flow by Timeframe

GILB — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 15,615 ]

Buy Side

Total: 7,713

Broker

QTY

AVG

NET

1,200

1130.81

+1,200

13.4%

768

1169.17

+768

8.6%

767

1133.67

+499

8.6%

767

1130.87

+767

8.6%

700

1131.46

+698

7.8%

600

1132.50

+600

6.7%

504

1148.65

+442

5.7%

500

1144.78

+500

5.6%

101

500

1129.00

+500

5.6%

300

1128.10

+267

3.4%

300

1140.00

+300

3.4%

264

1131.74

+161

3.0%

242

1134.98

+242

2.7%

179

1134.64

+179

2.0%

122

1133.66

+109

1.4%

Sell Side

Total: 7,902

Broker

QTY

AVG

NET

2,134

1133.54

-2,134

23.9%

1,102

1136.21

-1,092

12.3%

657

1130.41

-446

7.4%

630

1149.00

-630

7.1%

599

1134.22

-599

6.7%

511

1168.14

-511

5.7%

500

1128.60

-482

5.6%

465

1131.85

-465

5.2%

352

1139.79

-52

3.9%

279

1129.01

-129

3.1%

200

1130.00

-200

2.2%

142

1140.92

-142

1.6%

130

1144.70

-120

1.5%

101

1128.00

-11

1.1%

100

1140.00

-100

1.1%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Capital & Liabilities
Paid Up Capital	0	618,900	618,900	0	0.00%
Reserves and Surplus	0	713,911	515,159	0	+38.58%
Debentures and Bonds	0	0.00	0.00	0	-
Borrowings	0.00	4997190.63	4395483.88	0	-100.00%
Deposits	0	3,610,589	3,070,491	0	+17.59%
Income Tax Liabilities	0	0.00	0.00	0	-
Other Liabilities	519,797	439,387	387,061	0	+18.30%
Total Capital & Liabilities	0	10,379,977	8,987,095	0	+15.50%
Assets
Cash and Bank Balance	0	375,895	340,170	0	+10.50%
Money at Call & Short Notice	0	25,000	0	0	-
Investments	0	2,200	12,446	0	-82.32%
Loan and Advances	0	9,836,330	8,525,197	0	+15.38%
Fixed Assets	0	78,125	63,508	0	+23.02%
Non Banking Assets	0	0.00	0.00	0	-
Other Assets	33,396	62,427	45,774	0	-46.50%
Total Assets	11,897,058	10,379,977	8,987,095	0	+14.62%

Sector Peers — Microfinance (30)

Peer Comparison

Microfinance SECTOR — NEPAL

2025/2026 Q4

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	877	-0.97	-0.11%	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	1,174.4	-19.58	-1.64%	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	4,987	+48.89	+0.99%	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	1,060	+0.95	+0.09%	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	956.8	+7.78	+0.82%	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	-	26.73	4.96	2.37	2.37%	14.96	14.96%
CYCL	1,630	+99.05	+6.47%	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	861	+4.97	+0.58%	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	1,205.1	-136.73	-10.19%	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	759.5	+9.52	+1.27%	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	+6.97	+0.78%	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%
GBLBS	692	-0.48	-0.07%	0.01	0.14	295.18	25.3%	4.49	40	36.73	493.91	8.13	9.36	18.98	4.94%	3.55	19.63	1	21.24	6.63	2.61	2.4%	14	12.85%
GGBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GLBSL	1,700	-9.92	-0.58%	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	1,124	+23.98	+2.18%	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	869	+3.81	+0.44%	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	950	-18	-1.86%	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	1,278.8	+3.7	+0.29%	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	969	-0.97	-0.1%	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	828	+17.98	+2.22%	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	860	+5.98	+0.7%	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	727.1	-21.79	-2.91%	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	607	+3.02	+0.5%	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	978.9	+9.88	+1.02%	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	1,181.57	1.73	0.04%	0.01	0.123	206.81	128.69%	7.28	37.7	37.55	409.49	7.67	7.11	19.12	11%	6.088	40.97	2.743	38.863	7.235	2.29	2.28%	18.47	18.42%
MED	953.4	3.75	0.47%	0	0.125	176.92	114%	7.12	31.95	31.95	359.67	8.13	7.19	17.86	9.84%	5.245	30.19	1.1	31.76	5.1	2.26	2.26%	17.58	17.58%
MAX	4,987	99.05	6.47%	0.03	0.14	362.38	352.61%	12.35	110.66	110.66	943.79	9.54	9.36	47.12	26.61%	19.87	103.29	17.08	92.34	28.58	4.02	4.02%	39.92	39.92%
MIN	607	-136.73	-10.19%	0	0.06	137.26	25.3%	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%