Global IME Laghubitta Bittiya Sanstha Ltd.

MicrofinanceHigh Cap

NPR 1,127.60

NPR +17.5+1.58%

09:14 AM NPT · Nov 6, 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

1,104.00

High

1,127.60

Low

1,101.00

Prev Close

1,110.10

Volume

728

Turnover

Rs 806,082.2

Txns

Valuation · Q4 FY25/26

EPS Ann.

61.87

EPS TTM

61.87

BVPS

242.58

P/E Ann.

18.23

P/E TTM

18.23

Graham #

581.11

Capital

Mkt Cap

7.31 Arab

Total

64.83 Lakh

Public

19.45 Lakh

Promoter

45.38 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Sell

SuperTrend

Strong Buy

Trend Analysis

Direction

Downtrend

Strength

Strong

Momentum

RSI (14)

58.47

ADX

39.74

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

1106.45

SMA 50

1106.3

Bands & Channels

BB Width %

3.42%

Volume & Flow

OBV

451,034

Flow Analysis

[ Live 2026-11-06 ]

Total Buy

5,462

Shares Bought

Total Sell

5,462

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 60%

Distribution 40%

Accumulators

Quantity

2,845

Amount

3,171,559

Avg Rate

1114.78

Rank

#21

Brokers

#84#29

Distributors

Quantity

1,874

Amount

2,084,310

Avg Rate

1112.23

Rank

#32

Brokers

#34#47#38

Net Flow Impact:

+971units

(Rs. 1,087,249)

Net Flow by Timeframe

GILB — Broker Breakdown (7D)

13 Buyers15 Sellers

[ Vol: 9,450 ]

Buy Side

Total: 4,437

Broker

QTY

AVG

NET

1,557

1113.89

+1,557

28.5%

1,288

1115.86

+1,288

23.6%

499

1115.00

+499

9.1%

400

1109.40

+400

7.3%

160

1109.19

+160

2.9%

112

1102.45

+112

2.0%

100

1120.00

+60

1.8%

1100.10

+96

1.8%

100

1102.00

+79

1.4%

1105.50

+75

1.4%

1120.00

+15

0.9%

1127.60

+10

0.2%

1110.00

+10

0.2%

Sell Side

Total: 5,013

Broker

QTY

AVG

NET

996

1115.73

-398

18.2%

857

1115.51

-698

15.7%

590

1118.18

-424

10.8%

517

1110.14

-517

9.5%

500

1108.74

-500

9.2%

340

1101.47

-340

6.2%

239

1109.87

-239

4.4%

200

1100.05

-200

3.7%

148

1118.56

-138

2.7%

136

1112.89

-120

2.5%

117

1118.69

-117

2.1%

115

1115.44

-115

2.1%

104

1101.29

-104

1.9%

104

1102.00

-58

1.9%

1123.70

-50

0.9%

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	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%
GBLBS	641.3	-10.23	-1.57%	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	1,440	-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	1,126.97	1.44	0.07%	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	921.7	1.45	0.16%	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	4,899.3	30.19	2.65%	0.04	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	631.9	-39.05	-2.64%	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%