Swarojgar Laghubitta Bittiya Sanstha Ltd.

MicrofinanceMid Cap

NPR 822.00

NPR +14.9+1.85%

09:14 AM NPT · Sep 24, 2026

Est. 2009 A.D. · Banepa Municipality, Kavrepalanchowk District, Nepal · CEO: Manoj Krishna Uprety

Swarojgar Laghubitta Bikas Bank Limited is a national-level microfinance development bank in Nepal licensed by the Nepal Rastra Bank (NRB) as a “D” class financial institution. The bank was established with the objective of promoting entrepreneurship (“Swarojgar”) and financial inclusion among low-income households, particularly women and marginalized communities in rural and semi-urban areas. Swarojgar Laghubitta provides micro-loans, group-based lending programs, savings products, micro-insurance, remittance services, and various livelihood-support initiatives. Beyond financial services, the institution focuses on capacity building, financial literacy, and enterprise development, helping borrowers create sustainable income sources and improve their socio-economic conditions. Through its growing branch network and community-driven approach, Swarojgar Laghubitta Bikas Bank has contributed significantly to poverty reduction, rural empowerment, and inclusive economic growth. The bank continues to work closely with cooperatives, local governments, NGOs, and development partners to expand access to affordable finance and improve the financial well-being of underserved populations across Nepal.

www.slbbl.com.np/facebook

Trading

Open

808.00

High

822.00

Low

808.00

Prev Close

807.10

Volume

3,894

Turnover

Rs 3,180,254.6

Txns

Valuation · Q4 FY25/26

EPS Ann.

34.80

EPS TTM

34.80

BVPS

171.23

P/E Ann.

23.62

P/E TTM

23.62

Graham #

366.16

Capital

Mkt Cap

6.44 Arab

Total

78.39 Lakh

Public

38.41 Lakh

Promoter

39.98 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Sell

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

68.04

ADX

58.89

Overall Score

Above Line

Technical Score

Moving Averages

SMA 20

797.78

SMA 50

801.93

Bands & Channels

BB Width %

7.4%

Volume & Flow

OBV

2,887,578

Flow Analysis

[ Live 2026-09-24 ]

Total Buy

27,499

Shares Bought

Total Sell

27,499

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 46%

Distribution 54%

Accumulators

Quantity

11,931

Amount

9,715,171

Avg Rate

814.28

Rank

#10

Brokers

#62#84#17

Distributors

Quantity

13,911

Amount

11,299,331

Avg Rate

812.26

Rank

Brokers

#58#91#54#14

Net Flow Impact:

-1,980units

(Rs. -1,584,160)

Net Flow by Timeframe

SLBBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 44,139 ]

Buy Side

Total: 22,654

Broker

QTY

AVG

NET

7,497

813.77

+7,361

27.3%

2,600

817.04

+2,600

9.4%

1,834

812.45

+1,523

6.7%

1,825

812.00

+1,516

6.6%

1,685

822.05

+1,126

6.1%

1,392

810.68

+905

5.1%

1,188

807.18

+58

4.3%

915

813.62

+508

3.3%

850

808.49

+606

3.1%

715

820.50

+703

2.6%

540

809.63

+540

2.0%

500

809.30

+291

1.8%

500

814.10

+500

1.8%

347

815.50

+127

1.3%

266

811.33

+266

1.0%

Sell Side

Total: 21,485

Broker

QTY

AVG

NET

5,230

812.27

-4,737

19.0%

3,829

813.26

-3,629

13.9%

2,560

811.39

-2,560

9.3%

2,292

811.53

-2,004

8.3%

1,384

816.44

-943

5.0%

1,000

814.30

-1,000

3.6%

866

810.64

-321

3.1%

692

816.10

-192

2.5%

684

811.64

-376

2.5%

601

819.14

-350

2.2%

596

816.32

-236

2.2%

560

817.32

-560

2.0%

500

812.40

-128

1.8%

371

817.95

-371

1.4%

320

819.90

-280

1.2%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Capital & Liabilities
Paid Up Capital	0	783,924	671,105	0	+16.81%
Reserves and Surplus	0	471,903	365,241	0	+29.20%
Debentures and Bonds	0	0.00	0.00	0	-
Borrowings	4,442,157	4,192,872	3,858,863	0	+5.95%
Deposits	0	4,497,330	3,733,553	0	+20.46%
Income Tax Liabilities	0	0.00	0.00	0	-
Other Liabilities	231,283	206,267	120,568	0	+12.13%
Total Capital & Liabilities	0	10,152,298	8,749,330	0	+16.04%
Assets
Cash and Bank Balance	0	731,856	544,772	0	+34.34%
Money at Call & Short Notice	0	0.00	0.00	0	-
Investments	0	1000.00	1000.00	0	0.00%
Loan and Advances	0	9,294,280	8,071,397	0	+15.15%
Fixed Assets	0	37,876	39,279	0	-3.57%
Non Banking Assets	0	0.00	0.00	0	-
Other Assets	66,471	87,285	92,879	0	-23.85%
Total Assets	11,863,808	10,152,298	8,749,327	0	+16.86%

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	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GILB	1,139.5	+11.39	+1.01%	0.01	0.14	242.58	270.5%	6.57	61.87	61.87	581.11	8.81	8.56	25.61	8.7%	4.37	17.13	0.3	18.4	4.39	3.6	3.6%	27.61	27.61%
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	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	1,188.87	1.8	0.04%	0.01	0.124	210.21	130.26%	7.23	39.6	39.45	423.39	7.75	7.19	19.74	10.94%	5.985	39.21	2.615	37.45	7.133	2.39	2.38%	19.18	19.13%
MED	953.4	3.75	0.47%	0	0.13	179.82	114%	6.85	34.27	34.27	363.24	8.3	7.23	18.83	9.41%	4.92	28.01	1	30.22	4.99	2.34	2.34%	18.84	18.84%
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%