Global IME Laghubitta Bittiya Sanstha Ltd.

MicrofinanceHigh Cap

NPR 1,095.00

NPR -7-0.64%

09:13 AM NPT · Jun 29, 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

1,071.50

High

1,104.70

Low

1,067.50

Prev Close

1,102.00

Volume

2,352

Turnover

Rs 2,520,201.5

Txns

Valuation · Q3 FY25/26

EPS Ann.

45.16

EPS TTM

47.07

BVPS

214.72

P/E Ann.

24.25

P/E TTM

23.26

Graham #

467.09

Capital

Mkt Cap

6.78 Arab

Total

61.89 Lakh

Public

18.57 Lakh

Promoter

43.32 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Buy

SuperTrend

Strong Buy

Trend Analysis

Direction

Downtrend

Strength

Weak

Momentum

RSI (14)

31.88

ADX

19.94

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

1116.21

SMA 50

1118.82

Bands & Channels

BB Width %

3.72%

Volume & Flow

OBV

455,666

Flow Analysis

[ Live 2026-06-29 ]

Total Buy

8,593

Shares Bought

Total Sell

8,593

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 50%

Distribution 50%

Accumulators

Quantity

3,829

Amount

4,202,539

Avg Rate

1097.56

Rank

#19

Brokers

#100#60#81

Distributors

Quantity

3,823

Amount

4,228,058

Avg Rate

1105.95

Rank

#17

Brokers

#49#14

Net Flow Impact:

+6units

(Rs. -25,519)

Net Flow by Timeframe

GILB — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 14,924 ]

Buy Side

Total: 6,951

Broker

QTY

AVG

NET

100

2,475

1099.27

+2,475

28.8%

746

1088.46

+746

8.7%

608

1101.73

+590

7.1%

500

1109.00

+300

5.8%

383

1072.40

+343

4.5%

330

1098.39

+303

3.8%

311

1108.40

+311

3.6%

300

1101.33

+300

3.5%

251

1078.85

+150

2.9%

239

1091.40

+226

2.8%

224

1071.83

+224

2.6%

192

1083.65

+142

2.2%

152

1091.50

+138

1.8%

140

1090.29

+120

1.6%

100

1095.00

+100

1.2%

Sell Side

Total: 7,973

Broker

QTY

AVG

NET

2,221

1107.29

-2,091

25.9%

1,602

1104.10

-1,453

18.6%

627

1068.52

-577

7.3%

578

1089.11

-578

6.7%

510

1094.97

-96

5.9%

508

1070.55

-406

5.9%

501

1070.38

-458

5.8%

386

1100.34

-386

4.5%

372

1073.02

-252

4.3%

193

1094.48

-109

2.3%

152

1091.50

-94

1.8%

150

1093.46

-102

1.8%

137

1101.94

-137

1.6%

1105.10

-18

0.2%

1085.20

-18

0.2%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Capital & Liabilities
Paid Up Capital	648,298	618,900	618,900	0	+4.75%
Reserves and Surplus	743,699	629,170	499,363	0	+18.20%
Debentures and Bonds	0.00	0.00	0.00	0	-
Borrowings	5,425,015	5,029,784	3,958,572	0	+7.86%
Deposits	3,948,670	3,423,800	2,969,024	0	+15.33%
Income Tax Liabilities	0.00	0.00	0.00	0	-
Other Liabilities	477,078	431,041	429,102	0	+10.68%
Total Capital & Liabilities	11,242,759	10,132,694	8,474,961	0	+10.96%
Assets
Cash and Bank Balance	688,186	282,843	262,567	0	+143.31%
Money at Call & Short Notice	0.00	0.00	0.00	0	-
Investments	2,200	2,200	1,000	0	0.00%
Loan and Advances	10,426,380	9,700,957	8,041,418	0	+7.48%
Fixed Assets	72,154	78,293	77,767	0	-7.84%
Non Banking Assets	0.00	0.00	0.00	0	-
Other Assets	53,840	68,401	92,209	0	-21.29%
Total Assets	11,242,759	10,132,694	8,474,961	0	+10.96%

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	938	-1.03	-0.11%	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	1,063	-6.95	-0.65%	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	5,884.9	-8.84	-0.15%	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	1,043	-16.96	-1.6%	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	910.6	-0.09	-0.01%	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	1,385	-47.86	-3.34%	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	820	-9.96	-1.2%	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	1,420	+185	+14.98%	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	761	-9.01	-1.17%	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	980.1	-9.9	-1%	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%
GBLBS	750	-17.58	-2.29%	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	1,798	-1.98	-0.11%	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	1,211	-15.2	-1.24%	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	874.5	-0.53	-0.06%	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	892	+1.87	+0.21%	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	1,251	-9.96	-0.79%	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	1,029.9	-1.13	-0.11%	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	823	+1.97	+0.24%	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	920	-3.05	-0.33%	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	854.1	+4.08	+0.48%	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	707.1	-3.77	-0.53%	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	1,160	-7.94	-0.68%	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	1,248.92	0.96	0.02%	0.01	0.122	201.76	128.9%	7.49	30.95	34.4	384.35	7.61	7.42	16.34	11.8%	8.577	56.16	1.279	46.785	13.163	1.96	2.2%	16.3	18.21%
MED	959.05	-5.36	-0.43%	0	0.13	174.46	111.22%	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	2.38%	14.54	18.6%
MAX	5,884.9	185	14.98%	0.03	0.15	484.74	379.35%	14.4	82.49	91.55	999.25	8.9	9.36	36.69	23.93%	17.78	209.38	5.65	156.72	47.77	3.72	4.02%	38.32	41.45%
MIN	707.1	-47.86	-3.34%	0	0.06	131.53	25.3%	2.27	4.37	6.03	161.78	1.37	4.79	2.74	2.32%	3.55	19.06	0.06	18.6	6.63	0.36	0.4%	2.76	3.33%