Swarojgar Laghubitta Bittiya Sanstha Ltd.

MicrofinanceMid Cap

NPR 817.00

NPR +0.9+0.11%

09:14 AM NPT · May 15, 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

816.60

High

825.00

Low

816.00

Prev Close

816.10

Volume

3,084

Turnover

Rs 2,519,624

Txns

Valuation · Q2 FY25/26

EPS Ann.

32.53

EPS TTM

35.62

BVPS

173.65

P/E Ann.

25.12

P/E TTM

22.94

Graham #

356.51

Capital

Mkt Cap

6.4 Arab

Total

78.39 Lakh

Public

38.41 Lakh

Promoter

39.98 Lakh

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Buy

RSI

Neutral

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

56.43

ADX

41.98

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

818.6

SMA 50

834.58

Bands & Channels

BB Width %

3.1%

Volume & Flow

OBV

2,899,723

Flow Analysis

[ Live 2026-05-15 ]

Total Buy

19,264

Shares Bought

Total Sell

19,264

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 41%

Distribution 59%

Accumulators

Quantity

5,302

Amount

4,354,939

Avg Rate

821.38

Rank

#17

Brokers

#10#48#19

Distributors

Quantity

7,550

Amount

6,191,242

Avg Rate

820.03

Rank

#14

Brokers

#60#72#62#40#39

Net Flow Impact:

-2,248units

(Rs. -1,836,303)

Net Flow by Timeframe

SLBBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 27,831 ]

Buy Side

Total: 15,497

Broker

QTY

AVG

NET

2,100

822.83

+2,100

10.9%

1,672

820.67

+1,366

8.7%

1,670

818.04

+1,050

8.7%

1,530

820.16

+1,332

7.9%

1,450

835.95

+22

7.5%

1,254

820.48

+1,254

6.5%

1,158

817.10

+967

6.0%

914

818.88

+470

4.7%

832

821.17

+810

4.3%

712

829.21

+324

3.7%

611

822.41

+291

3.2%

500

828.75

+500

2.6%

400

820.20

+349

2.1%

362

831.71

+89

1.9%

332

825.77

+160

1.7%

Sell Side

Total: 12,334

Broker

QTY

AVG

NET

2,138

820.06

-1,597

11.1%

1,717

819.54

-1,467

8.9%

1,565

816.99

-1,535

8.1%

1,113

820.50

-963

5.8%

1,017

824.97

-1,007

5.3%

920

819.17

-182

4.8%

723

820.38

-723

3.8%

518

822.13

-518

2.7%

500

820.00

-500

2.6%

437

823.03

-337

2.3%

385

818.04

-385

2.0%

374

819.12

-374

1.9%

332

818.22

-112

1.7%

317

823.49

-312

1.6%

101

278

830.02

-278

1.4%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Capital & Liabilities
Paid Up Capital	783,924,403	671,104,993	627,200,928	514,099,121	+16.81%
Reserves and Surplus	577,332,644	429,479,890	266,538,494	313,510,708	+34.43%
Debentures and Bonds	0.00	0.00	0.00	0.00	-
Borrowings	4,309,697,548	4,573,861,160	3,479,534,463	3,096,617,149	-5.78%
Deposits	4,978,164,655	4,059,308,116	3,464,556,930	3,307,724,965	+22.64%
Income Tax Liabilities	0.00	0.00	0.00	0.00	-
Other Liabilities	288,896,946	179,128,999	322,393,608	281,110,854	+61.28%
Total Capital & Liabilities	10,938,016,196	9,912,883,158	8,160,224,422	7,513,062,797	+10.34%
Assets
Cash and Bank Balance	927,914,598	922,767,973	273,513,321	417,420,350	+0.56%
Money at Call & Short Notice	0.00	0.00	0.00	0.00	-
Investments	1,000,000	1,000,000	1,010,000	1,010,000	0.00%
Loan and Advances	9,833,179,271	8,854,574,336	7,603,318,949	6,882,587,507	+11.05%
Fixed Assets	52,257,861	41,041,942	41,026,643	45,928,707	+27.33%
Non Banking Assets	0.00	0.00	0.00	0.00	-
Other Assets	123,664,467	93,498,907	241,355,510	166,116,233	+32.26%
Total Assets	10,938,016,196	9,912,883,158	8,160,224,422	7,513,062,797	+10.34%

Sector Peers — Microfinance (30)

Peer Comparison

Microfinance SECTOR — NEPAL

2025/2026 Q2

NPR/Millions

Statement

Highlight

TICKER	Market				Key Ratios
	Price	Chg	Chg%	Mkt Cap (M)	Asset Turnover	BVPS	C/D Ratio%	EPS (Annu.)	EPS (TTM)	Graham's No.	Int. Rate Spread%	NIM%	NPL%	NPM%	P/B	P/E (Annu.)	PEG	P/E (Latest)	P/E (TTM)	P/S	ROA (Annu.)%	ROA (TTM)%	ROE (Annu.)%	ROE (TTM)%
ACLBSL	949.9	-2.09	-0.22%	0	0.13	169.98	213.9%	32.57	33.11	355.85	8.27%	7.44%	5.2%	14.84%	11.3	29.47	0.38	31.23	30.72	17.51	1.98%	2.01%	21%	21.36%
ADLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
AKBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ALBSL	1,100	-5.53	-0.5%	0.01	0.13	158.08	6.57%	31.29	38.77	371.35	8.4%	7.16%	10.15%	17.5%	14.95	37.78	0.09	35.6	28.73	26.45	2.24%	2.79%	21.34%	26.44%
ANLB	6,020	+15.01	+0.25%	0.01	0.12	428.75	0%	77.9	85.26	906.91	0%	-	11.81%	27.93%	28.45	78.31	0.31	80.87	73.89	87.5	3.32%	3.65%	20.24%	22.16%
AVYAN	1,129	+8.96	+0.8%	0	0.03	149.39	109.7%	61.89	55.85	433.27	8.34%	8.86%	4.15%	29.02%	12.66	15.29	0.01	15.51	17.19	17.75	0.9%	0.81%	47.92%	43.25%
BPW	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
CBBL	907	-4.47	-0.49%	0.03	0.13	233.66	94.92%	31.85	35.31	430.86	5.51%	6.96%	2.45%	17.74%	7.89	28.95	963	28.89	26.05	20.54	2.22%	2.46%	14.32%	15.87%
CYCL	1,466.1	-5.89	-0.4%	0	0.12	268.72	111.75%	27.99	41.89	503.26	7.91%	6.38%	18.48%	9.02%	11.24	53.96	0	55.09	36.81	19.47	1.06%	1.61%	10.74%	16.09%
DDBL	844.5	-2.54	-0.3%	0.02	0.14	221.13	115.62%	47.41	47.55	486.4	7.83%	8.32%	8.43%	24.37%	7.42	17.3	0.27	17.51	17.46	16.87	3.36%	3.37%	23.26%	23.33%
DLBS	1,315	-7.94	-0.6%	0	0.12	179.13	94.98%	18.38	19.05	277.09	7.67%	7.44%	9.83%	7.8%	14.52	70.73	0.15	71.27	68.77	22.09	0.94%	0.98%	10.82%	11.23%
FMDBL	796	+0.08	+0.01%	0.01	0.06	128.31	114.74%	10.47	11.14	179.33	1.42%	4.14%	4.52%	35.1%	12.39	75.93	2.15	74.4	69.93	106.64	2.12%	2.27%	8.24%	8.78%
FOWAD	1,059	+9.03	+0.86%	0.01	0.13	234.69	112.57%	31.98	20.71	330.7	7.31%	7.3%	8.92%	13.3%	9.12	33.46	0.02	32.86	50.75	17.8	1.7%	1.1%	13.14%	8.51%
GBLBS	773	+1.08	+0.14%	0.01	0.14	278.07	26.68%	43.75	34.76	466.35	8.84%	9.62%	4.76%	20.85%	5.57	17.69	1.06	17.21	21.66	14.76	2.94%	2.34%	15.96%	12.68%
GGBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GILB	1,120	+9	+0.81%	0.01	0.15	197.29	282.59%	32.67	34.47	391.17	8.43%	9.46%	8.96%	13.69%	11.67	35.23	0	33.76	32	19.3	2.02%	2.14%	16.8%	17.73%
GLBSL	1,790	+9.97	+0.56%	0	0.14	159.33	393.94%	40.22	38.34	370.74	8.44%	8.32%	3.13%	17.81%	24.15	47.84	0.9	41.57	0	34.09	2.5%	2.38%	28.82%	27.47%
GMFBS	1,334.6	+7.56	+0.57%	0	0.14	185.26	107.54%	-4.71	17.54	270.39	8.32%	8.86%	14.37%	-2.06%	16.14	-317.41	0	-309.55	83.12	26.18	-0.28%	1.07%	-2.96%	11.05%
HLBSL	890	0	0%	0	0.11	167.35	95.52%	26.24	32.38	349.17	8.6%	7.9%	8.58%	13.2%	10.68	34.05	0.57	34.49	27.95	17.99	1.48%	1.82%	16.98%	20.97%
ILBS	922.5	-12.53	-1.34%	0	0.13	136.88	119.88%	24.07	49.91	392.06	8.31%	7.38%	17.85%	15.51%	14.52	41.3	0.24	39.05	18.83	25.63	2%	4.16%	18.84%	39.06%
JALPA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
JBLB	1,305	-9.99	-0.76%	0.02	0.13	277.15	124.79%	50.65	60.15	612.44	5.85%	7.32%	5.98%	19.57%	9.54	26.1	0.39	25.94	21.84	20.44	2.56%	3.05%	20.08%	23.85%
JSLBB	1,102	+11.99	+1.1%	0	0.11	170.87	107.57%	11.8	19.17	271.48	7.6%	6.12%	9.15%	7.55%	13.55	98.14	0.42	95.25	58.63	29.66	0.86%	1.4%	7.44%	12.11%
KLBS	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KLBSL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
KMCDB	872	+5.98	+0.69%	0	0.14	164.7	112.75%	26.09	27.74	320.62	8.67%	8.82%	11.42%	16.43%	11.48	36.22	1.33	34.92	32.84	23.81	2.3%	2.45%	16.28%	17.31%
LLBS	966	+12.02	+1.26%	0	0.12	187.67	107.03%	15.31	8.11	185.05	6.19%	7.64%	13.04%	8.25%	9.88	60.55	0.66	60.42	114.06	19.99	0.98%	0.52%	8.78%	4.65%
MATRI	895	+0.98	+0.11%	0.01	0.1	119.9	102.58%	11.25	9.36	158.91	7.28%	4.96%	10.48%	5.5%	16.35	87.11	0.6	85.78	103.1	19.18	0.54%	0.45%	7%	5.84%
MERO	710	-5.08	-0.71%	0.01	0.12	155.78	110.81%	13.88	16.56	240.92	8.6%	7.38%	19.54%	10.28%	9.53	53.46	3.4	51.59	43.24	21.99	1.24%	1.48%	9.08%	10.84%
MKLB	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

AVG	1,284.85	1.62	0.08%	0.01	0.12	198.73	121.2%	30.13	33.51	377.47	7.17%	7.51%	9.6%	15.6%	12.864	30.066	44.361	29.712	44.435	28.438	1.77%	2.01%	16.1%	18.21%
MED	1,012.5	0.53	0.06%	0	0.13	175	110.26%	29.64	33.79	363.3	8.09%	7.44%	9.06%	15.18%	11.575	37	0.385	35.26	32.42	20.49	1.99%	2.08%	16.12%	16.7%
MAX	6,020	15.01	1.26%	0.03	0.15	428.75	393.94%	77.9	85.26	906.91	8.84%	9.62%	19.54%	35.1%	28.45	98.14	963	95.25	114.06	106.64	3.36%	4.16%	47.92%	43.25%
MIN	710	-12.53	-1.34%	0	0.03	119.9	0%	-4.71	8.11	158.91	0%	4.14%	2.45%	-2.06%	5.57	-317.41	0	-309.55	0	14.76	-0.28%	0.45%	-2.96%	4.65%