Global IME Laghubitta Bittiya Sanstha Ltd.

MicrofinanceHigh Cap

NPR 1,115.10

NPR -13.9-1.23%

06:42 AM NPT · Sep 16, 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

1,110.10

High

1,129.00

Low

1,110.00

Prev Close

1,129.00

Volume

1,172

Turnover

Rs 1,307,466.4

Txns

Valuation · Q4 FY25/26

EPS Ann.

61.87

EPS TTM

61.87

BVPS

242.58

P/E Ann.

18.02

P/E TTM

18.02

Graham #

581.11

Capital

Mkt Cap

6.9 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

Weak

Momentum

RSI (14)

61.78

ADX

11.99

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

1098.26

SMA 50

1097.16

Bands & Channels

BB Width %

6.44%

Volume & Flow

OBV

452,859

Flow Analysis

[ Live 2026-09-15 ]

Total Buy

14,995

Shares Bought

Total Sell

14,995

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 46%

Distribution 54%

Accumulators

Quantity

6,378

Amount

7,125,697

Avg Rate

1117.23

Rank

#14

Brokers

#32#84#94

Distributors

Quantity

7,508

Amount

8,425,482

Avg Rate

1122.20

Rank

#13

Brokers

#60#26#33#39

Net Flow Impact:

-1,130units

(Rs. -1,299,785)

Net Flow by Timeframe

GILB — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 25,235 ]

Buy Side

Total: 13,142

Broker

QTY

AVG

NET

2,695

1116.76

+2,667

18.0%

1,961

1119.98

+630

13.1%

1,951

1125.13

+1,951

13.0%

1,732

1109.06

+1,715

11.6%

1,601

1142.18

+1,601

10.7%

1,000

1149.66

+940

6.7%

446

1126.67

+90

3.0%

346

1097.06

+246

2.3%

319

1134.33

+219

2.1%

241

1110.87

+181

1.6%

205

1094.88

+191

1.4%

200

1101.30

+200

1.3%

150

1113.67

+140

1.0%

150

1126.47

+150

1.0%

145

1109.37

+125

1.0%

Sell Side

Total: 12,093

Broker

QTY

AVG

NET

3,000

1126.22

-3,000

20.0%

2,000

1123.50

-1,950

13.3%

1,608

1100.25

-1,608

10.7%

900

1145.12

-860

6.0%

733

1115.66

-733

4.9%

720

1113.94

-702

4.8%

654

1110.34

-388

4.4%

500

1090.00

-250

3.3%

454

1102.47

-4

3.0%

362

1091.24

-362

2.4%

330

1127.22

-330

2.2%

323

1100.62

-223

2.1%

199

1105.59

-199

1.3%

192

1138.23

-178

1.3%

118

1106.98

-68

0.8%

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	899	-0.99	-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	4.07	32.78	4.17	1.68	1.68%	16.48	16.48%
ADLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
AKBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ALBSL	1,193	-16.94	-1.4%	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	5,108.9	+88.85	+1.77%	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	1,056	-21.99	-2.04%	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	957	-2.78	-0.29%	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	1,475	-15.05	-1.01%	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	855	-6.03	-0.7%	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	1,053	-66.02	-5.9%	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	735.1	-12.86	-1.72%	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	886	-24.02	-2.64%	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%
GBLBS	667	+9.99	+1.52%	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	1,659.1	-0.83	-0.05%	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	1,102.8	-34.11	-3%	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	870	-9.94	-1.13%	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	935	-12.99	-1.37%	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	1,280.4	-4.63	-0.36%	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	0	0%	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	834.1	+15.63	+1.91%	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	880	+20.04	+2.33%	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	744	-14.02	-1.85%	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	623	+6.23	+1.01%	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	972	-3.02	-0.31%	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	1,170.7	-4.8	-0.7%	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	2.697	38.045	7.235	2.29	2.28%	18.47	18.42%
MED	946	-5.33	-0.53%	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	1.095	30.515	5.1	2.26	2.26%	17.58	17.58%
MAX	5,108.9	88.85	2.33%	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	17.72	90.37	28.58	4.02	4.02%	39.92	39.92%
MIN	623	-66.02	-5.9%	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	13.25	3.47	0.69	0.69%	5.63	5.63%