Aatmanirbhar Laghubitta Bittiya Sanstha Limited Financial Results and Q2 Analysis 2082/83
1st February 2026, Kathmandu
Aatmanirbhar Laghubitta Bittiya Sanstha Limited (ANLB) has published its provisional financial statement for the second quarter of the fiscal year 2082/83, showcasing a period of steady operational progress. The institution, headquartered in Ghorahi, Dang, continues to focus on its mission of empowering rural poor through microfinance services in remote areas.
Aatmanirbhar Laghubitta Financial Results
As of Poush 2082, the company has expanded its footprint to 21 branch offices covering 45 local levels across four districts. This growth is supported by a workforce of 96 staff members managing 2,760 centers and serving over 37,100 clients.
Profitability and Core Revenue Performance
The financial results for the first half of the year indicate that the company has successfully maintained the profitable momentum established earlier in the fiscal year. In the first quarter ending Ashwin 2082, Aatmanirbhar Laghubitta reported a net profit of 11.46 million rupees, a sharp turnaround from the loss recorded in the same period of the previous year. This improvement was largely driven by a rise in net interest income and a significant reduction in impairment charges.
Net Interest Income: For the first quarter, net interest income grew by 13.92 percent to reach 35.70 million rupees.
Operating Profit: The institution achieved an operating profit of 11.10 million rupees in Q1, compared to an operating loss in the corresponding quarter of 2081 2082.
Cost of Funds: The company managed to keep its cost of funds relatively stable at 7.42 percent as of Ashwin 2082.
Interest Spread: The interest rate spread remains a critical metric for the microfinance institution, which reached 10.95 percent in the previous fiscal year due to efficient borrowing and optimized interest income.
Asset Quality and Risk Management
While the institution has seen an increase in its credit portfolio, asset quality remains a key area for ongoing management focus. The non performing loan (NPL) ratio for Aatmanirbhar Laghubitta was reported at 12.83 percent in Ashwin 2082, representing an improvement from the 14.43 percent recorded a year earlier. However, this double digit ratio continues to be higher than the industry average, reflecting the ongoing economic slowdown and its impact on the repayment capabilities of rural borrowers.
To safeguard its financial health, the company has significantly reduced its impairment charges. In the first quarter, these charges dropped by 74.59 percent to 10.29 million rupees. The management has also conducted multiple review programs and symposia across its branches to map out strategies for reducing bad loans and upgrading performance for the remainder of the 2082 2083 roadmap.
Balance Sheet and Capital Strength
The institution’s balance sheet shows a shift toward increased member deposits and reduced external borrowings. As of Ashwin 2082, customer deposits grew to 1.01 billion rupees. Total loans and advances reached 1.54 billion rupees during the same period.
Paid up Capital: The bank has a paid up capital of 78.34 million rupees following recent capital adjustments.
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Reserves and Surplus: The reserves grew by 19.27 percent to reach 239.19 million rupees.
Borrowings: In a notable strategic shift, borrowings from other financial institutions dropped sharply by 83.55 percent to 18.91 million rupees, indicating a reduced dependency on external funds.
Capital Adequacy: The institution maintains a very healthy capital adequacy ratio (CAR) of 18.58 percent, which is well above the regulatory requirement of 8 percent, providing a strong buffer against potential losses.
Investor Metrics and Market Position
On the Nepal Stock Exchange (NEPSE), Aatmanirbhar Laghubitta (ANLB) remains a high value stock within the microfinance sector. By late January 2026, the share price was trading around 6,051 rupees.
Earnings Per Share: The basic earnings per share (EPS) surged to 58.53 rupees in the first quarter, compared to a negative EPS in the previous year.
Net Worth per Share: The book value per share stood at 405.31 rupees as of late 2082.
Dividend History: For the fiscal year 2080 2081, the company distributed a 14.25 percent bonus share and a 0.75 percent cash dividend.
Market Capitalization: The company’s market capitalization is approximately 4.74 billion rupees.
Corporate Social Responsibility
Beyond financial performance, Aatmanirbhar Laghubitta continues to play an active role in community development through its social responsibility fund. In late 2082 (Poush 2082), the bank organized a program to distribute sweaters to 63 students from underprivileged families at Janamukhi Primary School in Tulsipur, Dang. These initiatives are aimed at supporting the children of the bank’s client families and fostering long term relationships with the communities it serves.
In summary, the Aatmanirbhar Laghubitta financial results for the first half of 2082 2083 reflect a strong recovery in profitability and a solid capital foundation. While the high NPL ratio remains a challenge, the significant reduction in borrowings and the turnaround in net profit are positive indicators for shareholders. The bank’s focus on rural empowerment and social welfare continues to complement its financial growth strategies.
