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ACLBSL ( Aarambha Chautari Laghubitta Bittiya Sanstha Limited )

ISIN Number : NPE322A00005

As of Mar 30, 2021
1667.00
50.00
3.09 %
Open
1617
High
1677
Low
1617
Volume
21024
Prev. Close
1617
Bid Price
478 ( 150 )
Ask Price
482 ( 20 )
BASIC CHART
KEY INDICATORS
Market Capitalization
रू 439.17 करोड
Outstanding Shares
2634480
Book Value
150.12
PBV
11.1
Stock P/E
35.18
Dividend ( 2075/2076 )
17.89 %
EPS
47.38
PB X PE
390.69
ROE
31.56
ROA
3.53
CAR
10.88
Industrial PE
39.14
Industrial EPS
58.65
52 Weeks High-Low
1938 - 551
Lifetime High-Low
1857 - 227
180 Day Average Price
1609.49
PROMOTER SHARE VALUE
CHAUTARI LAGHUBITTA BITTIYA SANSTHA LTD - PROMOTER SHARE ( CHLBSPO )
Open
--
High
--
Low
--
Close
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Classic Tech Red Label
PRICE PERFORMANCE
5 Days ---
1 Month ---
3 Months ---
YTD ---
1 Year
208.13%
5 Years ---
COMPETITORS
Name chg % Market cap
ALBSL 3.93 % रू 416.72 करोड
KMCDB 2.55 % रू 354.52 करोड
NMFBS 2.77 % रू 833.06 करोड
SARATHI --- ---
SNLB 1.18 % रू 404.86 करोड
VLBS 3.73 % रू 445.22 करोड
MORE ON WEB
No floorsheets were found.
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STOCK TRADING STRATEGIES
No strategies are available.
TOP BROKERS (As of - Mar 31, 2021)
Sell Buy
Code Qty Amt Commission (Est) Qty Amt Commission (Est) Total Amount Total Commission
1 --- --- --- --- --- --- रू 0 रू 0
5 --- --- --- --- --- --- रू 0 रू 0
7_RWS --- --- --- --- --- --- रू 0 रू 0
11 --- --- --- --- --- --- रू 0 रू 0
14_RWS --- --- --- --- --- --- रू 0 रू 0
19 --- --- --- --- --- --- रू 0 रू 0
22 --- --- --- --- --- --- रू 0 रू 0
28 --- --- --- --- --- --- रू 0 रू 0
32_RWS --- --- --- --- --- --- रू 0 रू 0
36 --- --- --- --- --- --- रू 0 रू 0

Condensed Consolidated Statement of Financial Position

Particular
This Quarter
77/78 - 2nd Quarter
Previous Quarter
77/78 - 1st Quarter
Corresponding Previous Year Quarter
76/77 - 2nd Quarter
Cash and cash equivalent 137,022,640 196,176,600 93,758,350
Due from Nepal Rastra Bank
Placement with Bank and Financial Institutions
Derivative Financial Instruments
Other Trading Assets
Loan and advances to B/Fis
Loan and advances to Customers
Investment Securities
Current Tax Assets
Investment in Subsidiaries
Investment in Associates
Investment Property
Property and Equipment
Goodwill and Intangible assets
Deferred Tax Assets
Other Assets 95,683,900 85,245,880 12,345,550
Total Assets 3,540,244,410 3,235,306,580 1,838,008,650
Liabilities
Due to bank and Financial Institutions
Due to Nepal Rastra Bank
Derivative Financial Instrument
Deposit from Customers 1,061,251,510 974,697,580 595,186,930
Borrowings
Current Tax Liabilities
Provisions
Deferred Tax Liabilities
Other Liabilities 154,069,030 210,810,480 12,875,910
Debt securities issued
Subordinated Liabilities
Total Liabilities 3,540,244,400 3,235,306,580 1,838,008,650
Total Liabilities 3,540,244,400 3,235,306,580 1,838,008,650
Equity
Share Capital 263,448,000 263,448,000 199,020,000
Share Premium
Retained Earnings
Reserves
Total equity attributable to equity holders
Non-controlling interest
Total Equity
Total Liabilities and Equity

Condensed Consolidated Statement of Profit or Loss

Particular This Quarter Previous Quarter Corresponding Previous Year Quarter
Interest Income 231,696,030 107,453,580 145,421,070
Interest Expense
Net interest Income 132,658,590 56,320,240 71,573,260
Fees and Commission Income
Fees and Commission Expense
Net fee and commission income
Net interest, fee and commission income
Net Trading income
Other Operating Income 45,871,070 17,484,670 25,611,550
Total Operating Income 178,529,660 73,804,910 97,184,800
Impairment charge/(reversal) for loans and other losses
Net Operating Income
Loans and Other Losses
Operating Expenses
Personal Expense
Other Operating Expense 19,720,160 8,335,160 9,734,880
Depreciation and Amortization
Operating Profit 88,983,210 20,391,380 41,694,340
Non operating Income
Non operating expenses
Profit before Income Tax
Income tax Expenses
   Current Tax
   Deferred Tax
Profit/(loss) for the period 62,414,850 12,976,330 26,532,760

Condensed Consolidated Statement of Comprehensive Income

Particular
This Quarter
77/78 - 2nd Quarter
Previous Quarter
77/78 - 1st Quarter
Corresponding Previous Year Quarter
76/77 - 2nd Quarter
Profit/(loss) for the period 62,414,850 12,976,330 26,532,760
Other Comprehensive Income
Total Comprehensive Income
Basic Earning per share 47 20 27
Diluted Earning per share
Profit attributable to:
   Equity holders of the Bank
   Non-controlling interests
Total
Statement of Distributable Profit and Loss
Net Profit for the Quarter ended
1. Appropriations
1.1 Profit required to be appropriated to statutory reserve
a. General Reserve
b. Capital Redemption Reserve
c. Exchange Fluctuation Fund
d. Corporate Social Responsibility Fund
e. Employees Training Fund
f. Other
1.2 Profit required to be transferred to Regulatory Reserve
a. Transfer to Regulatory Reserve
b. Transfer from Regulator Reserve
Net Profit for quarter end available for distribution

Ratios as per NRB Directives

Particular
This Quarter
77/78 - 2nd Quarter
Previous Quarter
77/78 - 1st Quarter
Corresponding Previous Year Quarter
76/77 - 2nd Quarter
Capital fund to RWA 11 11 14
Non-Performing Loan (NPL) to Total loan
Total Loan Loss provision to Total NPL
Cost of Funds
Credit to Deposit Ratio
Base Rate
Interest Rate Spread
Net Interest income to total income 74
Non Interest Income to Operating Cost 51
Interest Expenses to Interest Income 43
Shareholder's Equity 395,499,020,000
Number of Outstanding Share 2,634,480
Net Worth Per Share 150 131 128
Earning Per share (EPS Annualized) 47 20 27
PE Ratio 23 37 16
Price to Book Ratio 7
Return on Equity (Closing Annualized) 32
Return on Asset 4
Market Price High-Low
PEER PERFORMANCE
Companies LTP Intraday 5D % 1M % 3M % YTD % 1Y % Trend
ACLBSL 1667 50 --- --- --- --- 208.13
ALBSL 1560 59 --- --- --- --- 117.88
KMCDB 1405 35 --- --- --- --- 71.97
NMFBS 3155 85 --- --- --- --- 93.32
SNLB 1720 20 --- --- --- --- ---
VLBS 1670 60 --- --- --- --- 79.38
COMPANY INSIGHTS
DIVIDENDS
Fiscal Year Bonus Share Cash Dividend Total Dividend Bonus Dist. Date Right Share Right Dist. Date
1 2075/2076 7 % 10.89 % 17.89 % 2019-12-07 -- --
Company Information
Registered Office
Head Office Location : Butwal, Rupandehi, Nepal.
Email : Chautarimfb@gmail.com
Phone : 977-071-545335
Website : http://chautarimfb.com/
Registered At : Central Office :Butwal-06,Buddhapath,Rupandehi
Share Registrar ( RTS )
Name : NIBL Ace Capital Limited
Email : info@niblcapital.com
Phone : 1-4005157, 1-4425280
Address : Lazimpat Kathmandu, Nepal
Website : https://niblcapital.com
Management
Name Designation
Mr. Jagat Bahadur Pokharel Chairman
Mr. Pushpa Raj Dhakal Director
Mr. Tilak Bhusal Director
Mr. Keshavraj Panthi Director
Mr. Dilip Kumar Budathoki Director
Mrs Indira Panthi Independent Director
Dr. Lekhnath Pandey Director
Mr Laxman Ghimire CEO
About Company

Aarambha Chautari Laghubitta Bittiya Sanstha Limited

Chautari Laghubitta Bittiya Sanstha Limited (CHLBS) was incorporated in 23rd March 2015 as 10 districts level class D microfinance institution. The company started its commercial operation from 25th November 2015. As of mid-Apr-18, CHLBS had operations through 34 branches over its 10 licensed districts. CHLBS has recently been upgraded to 16 districts level status on 2019. Shareholding pattern of the company constitutes institutional promoters’ holding of ~33% (held by 7 BFIs including largest stake of Central Finance Limited at 9.52%) and individual promoters’ holding of ~67%. The promoter holding is expected to be diluted to 70% post proposed IPO. Mr. Laxman Ghimire is the Chief Executive Officer of the company. The registered and corporate office of CHLBS is located at Butwal, Nepal. CHLBS reported a profit after tax of ~NPR 6 million during FY17, over an asset base of ~NPR 428 million as of mid-Jul-17 as against a net loss of ~NPR 1 million during FY16 over an asset base of NPR 157 million as of mid-Jul-16. For 9MFY18, CHLBS has reported profit of ~NPR 7 million over an asset base of NPR 681 million as of mid-Apr-18. CHLBS's gross NPLs stood at 0.91% and CRAR at 22.71% as of midApr-18. On technology front, CHLBS uses Uranus software which remains to be centralized in 2 branches (Thulabsei and Shantinagar) out of 34 branches as of mid-Apr-18.