Jyoti Bikas Bank Limited (JBBL) Share Price & Fundamentals
Jyoti Bikas Bank (JBBL) share price is Rs. 356.00, up 2.59% on 2026-09-22. Open Rs. 364.30. High Rs. 364.30. Low Rs. 350.00. Volume 141,988.
Jyoti Bikas Bank Limited is a NEPSE-listed company (JBBL), Development Banks sector. Revenue: Rs. 282.93 Crore. Net profit: Rs. 100.69 Crore. Net worth: Rs. 670.39 Crore.
About Jyoti Bikas Bank Limited
Jyoti Bikash Bank Limited is a national-level Class 'B' development bank licensed by Nepal Rastra Bank, established in 2008 and listed on NEPSE in 2017. Its corporate office is at Kamalpokhari, Kathmandu. The bank has expanded through mergers with several regional development banks and finance companies and provides deposit, credit, remittance and digital banking services nationwide, with a paid-up capital of roughly NPR 4.4 billion. It holds a subsidiary, Jyoti Capital Limited, and therefore publishes both consolidated (Group) and standalone (Bank) financial statements.
Jyoti Bikas Bank Limited (JBBL) has 4,39,57,859 shares outstanding. It listed on NEPSE in 2017.
JBBL key metrics
JBBL strengths
What Jyoti Bikas Bank Limited's own accounts show in its favour, graded against the rest of its sector.
- Lends out 74.9% of deposits, comfortably within the 90% Nepal Rastra Bank allows. (Liquidity & Funding)
- Profit grew 752.6% on last year. (Growth)
- Bad-loan charges come to -10.6% of income, so borrowers are paying back well. (Asset Quality)
- Keeps 63.4% of income as profit from everyday banking, before tax. (Profitability)
- 94.1% of its funding comes from customer deposits, which are cheap and stable. (Liquidity & Funding)
- Turns 35.6% of its income into profit once every cost is paid. (Profitability)
- 82.9% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
- Income from lending grew 11.7% on last year, so the core business is expanding. (Growth)
- Total income grew 12.7% on last year. (Growth)
- Loans are 63.8% of what the bank owns, a balanced mix alongside other assets. (Asset Quality)
JBBL weaknesses
What the same accounts show against it. Both lists are computed from the filed figures, not opinion, and are not advice.
- Return on shareholders' money is 1.8%, below what owners would hope for. (Profitability)
- Return on everything it owns is 0.2%, so its assets are not producing much. (Profitability)
- Makes only 3% from the gap between lending and deposit rates, so core earnings are squeezed. (Margins & Income Quality)
- The loan book moved -7.8%, so lending is not expanding. (Growth)
- Deposits moved -8.1%, so its cheapest source of funding is not growing. (Growth)
- The bank's size moved -6.9% over the year. (Shareholder Returns)
- Only 9.5% of what it owns belongs to shareholders, so there is less cushion for losses. (Capital Strength)
- Each share produced Rs 22.91 over the year. (Shareholder Returns)
- Only 10.6% of income comes from fees, so it leans heavily on lending. (Margins & Income Quality)
- Owns 10.57x for every rupee shareholders put in. A high multiple magnifies losses as well as gains. (Capital Strength)
- Each share is backed by only Rs 152.51 of net worth. (Shareholder Returns)
- Staff costs take 29.5% of income, a heavy load on earnings. (Efficiency)
- Only 6.5% of income comes from outside interest, so a change in rates hits hard. (Margins & Income Quality)
JBBL Q4 2082/83 results
In Q4 2082/83 Jyoti Bikas Bank Limited reported profit of Rs. 37.51 crore and total operating income of Rs. 84.91 crore. Profit in Q3 2082/83 was Rs. 31.94 crore. Profit grew 17.45% on the previous quarter. Total operating income grew 23.33% on the previous quarter. Profit in Q4 2081/82, the same quarter a year earlier, was a loss of Rs. 29.05 crore. Profit turned from a loss to a profit on the same quarter last year. Total operating income grew 35.12% on the same quarter last year.
JBBL annual results 2082/83
For the financial year 2082/83 Jyoti Bikas Bank Limited reported net profit of Rs. 100.69 crore, total operating income of Rs. 282.93 crore and net worth of Rs. 670.39 crore. Net profit in 2081/82 was Rs. 11.81 crore. Net profit grew 752.59% on the year. Total operating income grew 12.75% on the year.
JBBL profit and loss for 2082/83
In the financial year 2082/83, Jyoti Bikas Bank Limited reported net interest income of Rs. 234.56 crore, net fee and commission income of Rs. 30.01 crore, net trading income of Rs. 6.67 crore, other operating income of Rs. 11.69 crore, total operating income of Rs. 282.93 crore, impairment charge/(reversal) of Rs. 30.12 crore, net operating income of Rs. 313.06 crore, operating expenses of Rs. 133.68 crore, operating profit of Rs. 179.38 crore, non-operating income/(expense) of Rs. 35.67 crore, profit before income tax of Rs. 143.71 crore, income tax expense of Rs. 43.02 crore and profit for the year of Rs. 100.69 crore.
Reported under net interest income: interest income of Rs. 513.33 crore and interest expense of Rs. 278.77 crore. Reported under net fee and commission income: fee and commission income of Rs. 34.13 crore and fee and commission expense of Rs. 4.11 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 83.54 crore, other operating expenses of Rs. 34.24 crore and depreciation & amortisation of Rs. 15.9 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 35.67 crore. Reported under income tax expense: current tax of Rs. 43.19 crore and deferred tax of Rs. 0.17 crore.
JBBL profit and loss for 2081/82
In the financial year 2081/82, Jyoti Bikas Bank Limited reported net interest income of Rs. 210.08 crore, net fee and commission income of Rs. 17.55 crore, net trading income of Rs. 6.64 crore, other operating income of Rs. 16.67 crore, total operating income of Rs. 250.95 crore, impairment charge/(reversal) of Rs. 87.85 crore, net operating income of Rs. 163.09 crore, operating expenses of Rs. 121.8 crore, operating profit of Rs. 41.29 crore, non-operating income/(expense) of Rs. 24.19 crore, profit before income tax of Rs. 17.1 crore, income tax expense of Rs. 5.29 crore and profit for the year of Rs. 11.81 crore.
Reported under net interest income: interest income of Rs. 573.47 crore and interest expense of Rs. 363.38 crore. Reported under net fee and commission income: fee and commission income of Rs. 21.85 crore and fee and commission expense of Rs. 4.29 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 70.26 crore, other operating expenses of Rs. 34.81 crore and depreciation & amortisation of Rs. 16.73 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.01 crore and non-operating expense of Rs. 24.2 crore. Reported under income tax expense: current tax of Rs. 43.94 crore and deferred tax of Rs. 38.65 crore.
JBBL profit and loss for 2080/81
In the financial year 2080/81, Jyoti Bikas Bank Limited reported net interest income of Rs. 238.32 crore, net fee and commission income of Rs. 15.73 crore, net trading income of Rs. 4.07 crore, other operating income of Rs. 10.27 crore, total operating income of Rs. 268.39 crore, impairment charge/(reversal) of Rs. 113.36 crore, net operating income of Rs. 155.03 crore, operating expenses of Rs. 126.99 crore, operating profit of Rs. 28.03 crore, non-operating income/(expense) of Rs. 0.01 crore, profit before income tax of Rs. 28.05 crore, income tax expense of Rs. 10.38 crore and profit for the year of Rs. 17.67 crore.
Reported under net interest income: interest income of Rs. 778.28 crore and interest expense of Rs. 539.96 crore. Reported under net fee and commission income: fee and commission income of Rs. 19.32 crore and fee and commission expense of Rs. 3.59 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 71.73 crore, other operating expenses of Rs. 38.96 crore and depreciation & amortisation of Rs. 16.3 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.01 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 22.88 crore and deferred tax of Rs. 12.5 crore.
JBBL balance sheet for 2081/82
In the financial year 2081/82, Jyoti Bikas Bank Limited reported total assets of Rs. 7,087.19 crore, total liabilities of Rs. 6,416.8 crore and total equity of Rs. 670.39 crore.
Reported under total assets: cash and cash equivalents of Rs. 304.59 crore, due from nepal rastra bank of Rs. 256.19 crore, placement with banks and fis of Rs. 0 crore, other trading assets of Rs. 12.29 crore, loans and advances to banks and fis of Rs. 319.93 crore, loans and advances to customers of Rs. 4,522.46 crore, investment securities of Rs. 1,283.38 crore, current tax assets of Rs. 0 crore, investment in subsidiaries of Rs. 0 crore, investment property of Rs. 103.25 crore, property and equipment of Rs. 166.76 crore, goodwill and intangible assets of Rs. 1.49 crore, deferred tax assets of Rs. 34.01 crore and other assets of Rs. 82.84 crore. Reported under total liabilities: due to banks and fis of Rs. 135.58 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 6,036.78 crore, current tax liabilities of Rs. 1.63 crore, other liabilities of Rs. 93.49 crore and debt securities issued of Rs. 149.32 crore. Reported under total equity: share capital of Rs. 439.58 crore, retained earnings of Rs. 98.67 crore, reserves of Rs. 323.22 crore and non controlling interest of Rs. 6.25 crore.
JBBL balance sheet for 2080/81
In the financial year 2080/81, Jyoti Bikas Bank Limited reported total assets of Rs. 7,615.14 crore, total liabilities of Rs. 6,979.29 crore and total equity of Rs. 635.85 crore.
Reported under total assets: cash and cash equivalents of Rs. 335.53 crore, due from nepal rastra bank of Rs. 229.77 crore, placement with banks and fis of Rs. 0 crore, other trading assets of Rs. 10.2 crore, loans and advances to banks and fis of Rs. 309.23 crore, loans and advances to customers of Rs. 4,903.63 crore, investment securities of Rs. 1,488.96 crore, current tax assets of Rs. 0 crore, investment in subsidiaries of Rs. 0 crore, investment property of Rs. 69.25 crore, property and equipment of Rs. 154.6 crore, goodwill and intangible assets of Rs. 1.94 crore, deferred tax assets of Rs. 5.39 crore and other assets of Rs. 106.65 crore. Reported under total liabilities: due to banks and fis of Rs. 170.86 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 6,572.13 crore, current tax liabilities of Rs. 0.89 crore, other liabilities of Rs. 86.17 crore and debt securities issued of Rs. 149.24 crore. Reported under total equity: share capital of Rs. 439.58 crore, retained earnings of Rs. 65.7 crore, reserves of Rs. 256.03 crore and non controlling interest of Rs. 5.94 crore.
JBBL balance sheet for 2079/80
In the financial year 2079/80, Jyoti Bikas Bank Limited reported total assets of Rs. 7,267.49 crore, total liabilities of Rs. 6,681.11 crore and total equity of Rs. 586.39 crore.
Reported under total assets: cash and cash equivalents of Rs. 600.95 crore, due from nepal rastra bank of Rs. 195.54 crore, placement with banks and fis of Rs. 50 crore, other trading assets of Rs. 3.48 crore, loans and advances to banks and fis of Rs. 302.7 crore, loans and advances to customers of Rs. 5,094.18 crore, investment securities of Rs. 808.75 crore, current tax assets of Rs. 14.14 crore, investment in subsidiaries of Rs. 0 crore, investment property of Rs. 18.24 crore, property and equipment of Rs. 74.46 crore, goodwill and intangible assets of Rs. 1.49 crore, deferred tax assets of Rs. 7.46 crore and other assets of Rs. 96.1 crore. Reported under total liabilities: due to banks and fis of Rs. 341.12 crore, due to nepal rastra bank of Rs. 0 crore, derivative financial instruments of Rs. 0 crore, deposits from customers of Rs. 6,106.27 crore, current tax liabilities of Rs. 0 crore, other liabilities of Rs. 84.55 crore and debt securities issued of Rs. 149.17 crore. Reported under total equity: share capital of Rs. 439.58 crore, retained earnings of Rs. 2.1 crore, reserves of Rs. 138.33 crore and non controlling interest of Rs. 6.37 crore.
JBBL cash flow for 2081/82
In the financial year 2081/82, Jyoti Bikas Bank Limited reported net cash flow from operating activities (a) of Rs. 239.19 crore, net cash flow from investing activities (b) of Rs. 209.09 crore, net cash flow from financing activities (c) of Rs. 0.84 crore, net increase/(decrease) in cash and cash equivalents of Rs. 30.94 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 335.53 crore and cash and cash equivalents at ashadh end of Rs. 304.59 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 470.18 crore, fees and other income received of Rs. 20.07 crore, receipts from other operating activities of Rs. 13.13 crore, interest paid of Rs. 363.95 crore, commission and fees paid of Rs. 4.29 crore, cash payment to employees of Rs. 58.96 crore, other expense paid of Rs. 59.28 crore, operating cash flows before changes in operating assets and liabilities of Rs. 16.9 crore, due from nepal rastra bank of Rs. 26.42 crore, placement with banks and financial institutions of Rs. 0 crore, other trading assets of Rs. 0 crore, loan and advances to banks and financial institutions of Rs. 10.17 crore, loan and advances to customers of Rs. 287.88 crore, other assets of Rs. 44.5 crore, due to banks and financial institutions of Rs. 35.28 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 537.04 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 64.36 crore, net cash flow from operating activities before tax paid of Rs. 195.26 crore and income taxes paid of Rs. 43.93 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 206.98 crore, purchase of property and equipment of Rs. 29.17 crore, receipt from sale of property and equipment of Rs. 0 crore, purchase of intangible assets of Rs. 0.2 crore, purchase of investment properties of Rs. 34 crore, interest received of Rs. 60.62 crore and dividend received of Rs. 4.86 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 0.08 crore, dividends paid of Rs. 0.66 crore, interest paid of Rs. 0.01 crore and other receipt/payment of Rs. 0.25 crore.
JBBL cash flow for 2080/81
In the financial year 2080/81, Jyoti Bikas Bank Limited reported net cash flow from operating activities (a) of Rs. 497.21 crore, net cash flow from investing activities (b) of Rs. 760.12 crore, net cash flow from financing activities (c) of Rs. 2.51 crore, net increase/(decrease) in cash and cash equivalents of Rs. 265.42 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 600.95 crore and cash and cash equivalents at ashadh end of Rs. 335.53 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 681.46 crore, fees and other income received of Rs. 18.76 crore, receipts from other operating activities of Rs. 8.61 crore, interest paid of Rs. 541.44 crore, commission and fees paid of Rs. 3.59 crore, cash payment to employees of Rs. 58.4 crore, other expense paid of Rs. 39.21 crore, operating cash flows before changes in operating assets and liabilities of Rs. 66.19 crore, due from nepal rastra bank of Rs. 34.23 crore, placement with banks and financial institutions of Rs. 50 crore, other trading assets of Rs. 0 crore, loan and advances to banks and financial institutions of Rs. 6.3 crore, loan and advances to customers of Rs. 83.82 crore, other assets of Rs. 35.16 crore, due to banks and financial institutions of Rs. 170.27 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 454.69 crore, borrowings of Rs. 0 crore, other liabilities of Rs. 41 crore, net cash flow from operating activities before tax paid of Rs. 520.07 crore and income taxes paid of Rs. 22.86 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 670.23 crore, purchase of property and equipment of Rs. 96.56 crore, receipt from sale of property and equipment of Rs. 0 crore, purchase of intangible assets of Rs. 1.02 crore, purchase of investment properties of Rs. 51.01 crore, interest received of Rs. 55.45 crore and dividend received of Rs. 3.24 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 0.07 crore, dividends paid of Rs. 2.21 crore, interest paid of Rs. 0.37 crore and other receipt/payment of Rs. 0 crore.
JBBL cash flow for 2079/80
In the financial year 2079/80, Jyoti Bikas Bank Limited reported net cash flow from operating activities (a) of Rs. 274.17 crore, net cash flow from investing activities (b) of Rs. 92.19 crore, net cash flow from financing activities (c) of Rs. 16.21 crore, net increase/(decrease) in cash and cash equivalents of Rs. 382.57 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 983.52 crore and cash and cash equivalents at ashadh end of Rs. 600.95 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 779.5 crore, fees and other income received of Rs. 22.93 crore, receipts from other operating activities of Rs. 5.34 crore, interest paid of Rs. 596.92 crore, commission and fees paid of Rs. 3.1 crore, cash payment to employees of Rs. 60.75 crore, other expense paid of Rs. 38.63 crore, operating cash flows before changes in operating assets and liabilities of Rs. 108.37 crore, due from nepal rastra bank of Rs. 63.2 crore, placement with banks and financial institutions of Rs. 50 crore, other trading assets of Rs. 3.48 crore, loan and advances to banks and financial institutions of Rs. 39.68 crore, loan and advances to customers of Rs. 368.37 crore, other assets of Rs. 32.26 crore, due to banks and financial institutions of Rs. 4.12 crore, due to nepal rastra bank of Rs. 564.3 crore, deposit from customers of Rs. 748.97 crore, borrowings of Rs. 2.24 crore, other liabilities of Rs. 59.19 crore, net cash flow from operating activities before tax paid of Rs. 260.49 crore and income taxes paid of Rs. 13.68 crore. Reported under net cash flow from investing activities (b): purchase of investment securities of Rs. 100.76 crore, purchase of property and equipment of Rs. 13.38 crore, receipt from sale of property and equipment of Rs. 0 crore, purchase of intangible assets of Rs. 0.32 crore, purchase of investment properties of Rs. 8.94 crore, interest received of Rs. 30.05 crore and dividend received of Rs. 1.16 crore. Reported under net cash flow from financing activities (c): receipt from issue of debt securities of Rs. 0.07 crore, dividends paid of Rs. 16.22 crore, interest paid of Rs. 0.06 crore and other receipt/payment of Rs. 0 crore.
JBBL quarterly for Q4 2082/83
In the quarter Q4 2082/83, Jyoti Bikas Bank Limited reported net interest income of Rs. 74.49 crore, net fee and commission income of Rs. 9.27 crore, net trading income of Rs. 1.07 crore, other operating income of Rs. 0.08 crore, total operating income of Rs. 84.91 crore, impairment charge/(reversal) of Rs. 41.97 crore, net operating income of Rs. 126.88 crore, operating expenses of Rs. 37.73 crore, operating profit of Rs. 89.15 crore, non-operating income/(expense) of Rs. 35.69 crore, profit before income tax of Rs. 53.46 crore, income tax expense of Rs. 15.95 crore and profit for the year of Rs. 37.51 crore.
Reported under net interest income: interest income of Rs. 144.27 crore and interest expense of Rs. 69.77 crore. Reported under net fee and commission income: fee and commission income of Rs. 10.88 crore and fee and commission expense of Rs. 1.61 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 24.97 crore, other operating expenses of Rs. 2.02 crore and depreciation & amortisation of Rs. 10.75 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.02 crore and non-operating expense of Rs. 35.67 crore. Reported under income tax expense: current tax of Rs. 16.11 crore and deferred tax of Rs. 0.17 crore.
JBBL quarterly for Q3 2082/83
In the quarter Q3 2082/83, Jyoti Bikas Bank Limited reported net interest income of Rs. 56.3 crore, net fee and commission income of Rs. 7.06 crore, net trading income of Rs. 2.13 crore, other operating income of Rs. 3.36 crore, total operating income of Rs. 68.85 crore, impairment charge/(reversal) of Rs. 11.37 crore, net operating income of Rs. 80.22 crore, operating expenses of Rs. 34.59 crore, operating profit of Rs. 45.63 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 45.63 crore, income tax expense of Rs. 13.69 crore and profit for the year of Rs. 31.94 crore.
Reported under net interest income: interest income of Rs. 122.1 crore and interest expense of Rs. 65.8 crore. Reported under net fee and commission income: fee and commission income of Rs. 7.85 crore and fee and commission expense of Rs. 0.79 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 21.77 crore, other operating expenses of Rs. 11.11 crore and depreciation & amortisation of Rs. 1.71 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 13.69 crore and deferred tax of Rs. 0 crore.
JBBL quarterly for Q2 2082/83
In the quarter Q2 2082/83, Jyoti Bikas Bank Limited reported net interest income of Rs. 51.01 crore, net fee and commission income of Rs. 6.96 crore, net trading income of Rs. 1.34 crore, other operating income of Rs. 2.09 crore, total operating income of Rs. 61.4 crore, impairment charge/(reversal) of Rs. 6.95 crore, net operating income of Rs. 68.35 crore, operating expenses of Rs. 33.17 crore, operating profit of Rs. 35.18 crore, non-operating income/(expense) of Rs. 0.02 crore, profit before income tax of Rs. 35.2 crore, income tax expense of Rs. 10.37 crore and profit for the year of Rs. 24.83 crore.
Reported under net interest income: interest income of Rs. 118.61 crore and interest expense of Rs. 67.6 crore. Reported under net fee and commission income: fee and commission income of Rs. 7.76 crore and fee and commission expense of Rs. 0.8 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 20.07 crore, other operating expenses of Rs. 10.84 crore and depreciation & amortisation of Rs. 2.26 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0.02 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 10.37 crore and deferred tax of Rs. 0 crore.
JBBL quarterly for Q1 2082/83
In the quarter Q1 2082/83, Jyoti Bikas Bank Limited reported net interest income of Rs. 52.75 crore, net fee and commission income of Rs. 6.73 crore, net trading income of Rs. 2.13 crore, other operating income of Rs. 6.16 crore, total operating income of Rs. 67.78 crore, impairment charge/(reversal) of Rs. 30.17 crore, net operating income of Rs. 37.6 crore, operating expenses of Rs. 28.19 crore, operating profit of Rs. 9.41 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 9.41 crore, income tax expense of Rs. 3.01 crore and profit for the year of Rs. 6.4 crore.
Reported under net interest income: interest income of Rs. 128.35 crore and interest expense of Rs. 75.6 crore. Reported under net fee and commission income: fee and commission income of Rs. 7.65 crore and fee and commission expense of Rs. 0.91 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 16.73 crore, other operating expenses of Rs. 10.27 crore and depreciation & amortisation of Rs. 1.18 crore. Reported under non-operating income/(expense): non-operating income of Rs. 0 crore and non-operating expense of Rs. 0 crore. Reported under income tax expense: current tax of Rs. 3.01 crore and deferred tax of Rs. 0 crore.
JBBL Profit & Loss
Values in Rs. Crore unless stated otherwise.
| Particulars | 2082/83 | 2081/82 | 2080/81 | 2079/80 | 2078/79 |
|---|
| Net Interest Income | 235 | 210 | 238 | 239 | 204 |
|---|
| Interest Income | 513 | 573 | 778 | 834 | 624 |
|---|
| Interest Expense | -279 | -363 | -540 | -594 | -420 |
|---|
| Net Fee and Commission Income | 30.0 | 17.6 | 15.7 | 19.8 | 17.4 |
|---|
| Fee and Commission Income | 34.1 | 21.8 | 19.3 | 22.9 | 19.5 |
|---|
| Fee and Commission Expense | -4.1 | -4.3 | -3.6 | -3.1 | -2.1 |
|---|
| Net Trading Income | 6.7 | 6.6 | 4.1 | 4.3 | 2.3 |
|---|
| Other Operating Income | 11.7 | 16.7 | 10.3 | 7.4 | 11.0 |
|---|
| Total Operating Income | 283 | 251 | 268 | 271 | 235 |
|---|
| Impairment Charge/(Reversal) | 30.1 | -87.9 | -113 | -95.4 | -16.4 |
|---|
| Net Operating Income | 313 | 163 | 155 | 175 | 218 |
|---|
| Operating Expenses | -134 | -122 | -127 | -131 | -121 |
|---|
| Operating Expense - Personnel Expenses | -83.5 | -70.3 | -71.7 | -75.8 | -75.0 |
|---|
| Other Operating Expenses | -34.2 | -34.8 | -39.0 | -38.6 | -31.7 |
|---|
| Depreciation & Amortisation | -15.9 | -16.7 | -16.3 | -16.2 | -14.7 |
|---|
| Operating Profit | 179 | 41.3 | 28.0 | 44.7 | 96.7 |
|---|
| Non-Operating Income/(Expense) | -35.7 | -24.2 | 0.01 | 0.03 | 0.01 |
|---|
| Non-Operating Income | 0.00 | 0.01 | 0.01 | 0.03 | 0.01 |
|---|
| Non-Operating Expense | -35.7 | -24.2 | 0.00 | 0.00 | 0.00 |
|---|
| Profit Before Income Tax | 144 | 17.1 | 28.0 | 44.7 | 96.7 |
|---|
| Income Tax Expense | -43.0 | -5.3 | -10.4 | -12.9 | -28.9 |
|---|
| Current Tax | -43.2 | -43.9 | -22.9 | -13.7 | -29.9 |
|---|
| Deferred Tax | 0.17 | 38.6 | 12.5 | 0.75 | 1.1 |
|---|
| Profit for the Year | 101 | 11.8 | 17.7 | 31.8 | 67.9 |
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JBBL Balance Sheet
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 |
|---|
| Total Assets | 7,087 | 7,615 | 7,267 | 7,126 |
|---|
| Cash and Cash Equivalents | 305 | 336 | 601 | 984 |
|---|
| Due from Nepal Rastra Bank | 256 | 230 | 196 | 132 |
|---|
| Placement with Banks and FIs | 0.00 | 0.00 | 50.0 | 0.00 |
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| Other Trading Assets | 12.3 | 10.2 | 3.5 | 0.00 |
|---|
| Loans and Advances to Banks and FIs | 320 | 309 | 303 | 264 |
|---|
| Loans and Advances to Customers | 4,522 | 4,904 | 5,094 | 4,831 |
|---|
| Investment Securities | 1,283 | 1,489 | 809 | 708 |
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| Current Tax Assets | 0.00 | 0.00 | 14.1 | 61.7 |
|---|
| Investment in Subsidiaries | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Investment Property | 103 | 69.2 | 18.2 | 9.3 |
|---|
| Property and Equipment | 167 | 155 | 74.5 | 76.6 |
|---|
| Goodwill and Intangible Assets | 1.5 | 1.9 | 1.5 | 1.8 |
|---|
| Deferred Tax Assets | 34.0 | 5.4 | 7.5 | 6.9 |
|---|
| Other Assets | 82.8 | 107 | 96.1 | 50.8 |
|---|
| Total Liabilities | 6,417 | 6,979 | 6,681 | 6,555 |
|---|
| Due to Banks and FIs | 136 | 171 | 341 | 345 |
|---|
| Due to Nepal Rastra Bank | 0.00 | 0.00 | 0.00 | 564 |
|---|
| Derivative Financial Instruments | 0.00 | 0.00 | 0.00 | 2.6 |
|---|
| Deposits from Customers | 6,037 | 6,572 | 6,106 | 5,357 |
|---|
| Current Tax Liabilities | 1.6 | 0.89 | 0.00 | 56.6 |
|---|
| Other Liabilities | 93.5 | 86.2 | 84.6 | 80.3 |
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| Debt Securities Issued | 149 | 149 | 149 | 149 |
|---|
| Total Equity | 670 | 636 | 586 | 570 |
|---|
| Share Capital | 440 | 440 | 440 | 427 |
|---|
| Retained Earnings | -98.7 | -65.7 | 2.1 | 29.7 |
|---|
| Reserves | 323 | 256 | 138 | 108 |
|---|
| Non Controlling Interest | 6.3 | 5.9 | 6.4 | 5.9 |
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JBBL Cash Flow
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 |
|---|
| Net Cash Flow from Operating Activities (A) | -239 | 497 | -274 | 413 |
|---|
| Interest Received | 470 | 681 | 779 | 588 |
|---|
| Fees and Other Income Received | 20.1 | 18.8 | 22.9 | 19.5 |
|---|
| Receipts from Other Operating Activities | 13.1 | 8.6 | 5.3 | 5.5 |
|---|
| Interest Paid | -364 | -541 | -597 | -420 |
|---|
| Commission and Fees Paid | -4.3 | -3.6 | -3.1 | -2.1 |
|---|
| Cash Payment to Employees | -59.0 | -58.4 | -60.7 | -58.5 |
|---|
| Other Expense Paid | -59.3 | -39.2 | -38.6 | -31.7 |
|---|
| Operating Cash Flows Before Changes in Operating Assets and Liabilities | 16.9 | 66.2 | 108 | 100 |
|---|
| Due from Nepal Rastra Bank | -26.4 | -34.2 | -63.2 | 7.6 |
|---|
| Placement with Banks and Financial Institutions | 0.00 | 50.0 | -50.0 | 0.00 |
|---|
| Other Trading Assets | 0.00 | 0.00 | -3.5 | 0.00 |
|---|
| Loan and Advances to Banks and Financial Institutions | -10.2 | -6.3 | -39.7 | 30.0 |
|---|
| Loan and Advances to Customers | 288 | 83.8 | -368 | -569 |
|---|
| Other Assets | 44.5 | 35.2 | 32.3 | -30.7 |
|---|
| Due to Banks and Financial Institutions | -35.3 | -170 | -4.1 | -22.9 |
|---|
| Due to Nepal Rastra Bank | 0.00 | 0.00 | -564 | 476 |
|---|
| Deposit from Customers | -537 | 455 | 749 | 424 |
|---|
| Borrowings | 0.00 | 0.00 | 2.2 | 0.00 |
|---|
| Other Liabilities | 64.4 | 41.0 | -59.2 | 27.5 |
|---|
| Net Cash Flow from Operating Activities Before Tax Paid | -195 | 520 | -260 | 443 |
|---|
| Income Taxes Paid | -43.9 | -22.9 | -13.7 | -29.6 |
|---|
| Net Cash Flow from Investing Activities (B) | 209 | -760 | -92.2 | 7.1 |
|---|
| Purchase of Investment Securities | 207 | -670 | -101 | 35.8 |
|---|
| Purchase of Property and Equipment | -29.2 | -96.6 | -13.4 | -50.4 |
|---|
| Receipt from Sale of Property and Equipment | 0.00 | 0.00 | 0.00 | 0.10 |
|---|
| Purchase of Intangible Assets | -0.20 | -1.0 | -0.32 | -1.1 |
|---|
| Purchase of Investment Properties | -34.0 | -51.0 | -8.9 | -8.5 |
|---|
| Interest Received | 60.6 | 55.4 | 30.0 | 25.7 |
|---|
| Dividend Received | 4.9 | 3.2 | 1.2 | 5.5 |
|---|
| Net Cash Flow from Financing Activities (C) | -0.84 | -2.5 | -16.2 | 149 |
|---|
| Receipt from Issue of Debt Securities | 0.08 | 0.07 | 0.07 | 149 |
|---|
| Dividends Paid | -0.66 | -2.2 | -16.2 | 0.00 |
|---|
| Interest Paid | -0.01 | -0.37 | -0.06 | 0.00 |
|---|
| Other Receipt/Payment | -0.25 | 0.00 | 0.00 | 0.00 |
|---|
| Net Increase/(Decrease) in Cash and Cash Equivalents | -30.9 | -265 | -383 | 569 |
|---|
| Cash and Cash Equivalents at Shrawan 01 (Beginning of the Year) | 336 | 601 | 984 | 414 |
|---|
| Cash and Cash Equivalents at Ashadh End | 305 | 336 | 601 | 984 |
|---|
JBBL Quarterly Results
Values in Rs. Crore unless stated otherwise.
| Particulars | Q4 2082/83 | Q3 2082/83 | Q2 2082/83 | Q1 2082/83 | Q4 2081/82 | Q3 2081/82 | Q2 2081/82 | Q1 2081/82 | Q4 2080/81 | Q3 2080/81 | Q2 2080/81 | Q1 2080/81 |
|---|
| Net Interest Income | 74.5 | 56.3 | 51.0 | 52.8 | 51.3 | 46.7 | 54.6 | 57.7 | 66.1 | 58.4 | 55.4 | 57.9 |
|---|
| Interest Income | 144 | 122 | 119 | 128 | 135 | 129 | 145 | 164 | 190 | 184 | 194 | 210 |
|---|
| Interest Expense | -69.8 | -65.8 | -67.6 | -75.6 | -83.5 | -82.8 | -90.3 | -106 | -124 | -125 | -139 | -152 |
|---|
| Net Fee and Commission Income | 9.3 | 7.1 | 7.0 | 6.7 | 10.0 | 4.4 | 4.0 | 4.1 | 5.8 | 4.7 | 4.9 | 5.1 |
|---|
| Fee and Commission Income | 10.9 | 7.8 | 7.8 | 7.6 | 11.3 | 5.5 | 5.0 | 5.1 | 7.1 | 5.6 | 5.5 | 5.9 |
|---|
| Fee and Commission Expense | -1.6 | -0.79 | -0.80 | -0.91 | -1.3 | -1.1 | -0.96 | -0.98 | -1.3 | -0.93 | -0.68 | -0.87 |
|---|
| Net Trading Income | 1.1 | 2.1 | 1.3 | 2.1 | 1.6 | 1.7 | 1.2 | 2.1 | 1.2 | 1.00 | 0.93 | 0.98 |
|---|
| Other Operating Income | 0.08 | 3.4 | 2.1 | 6.2 | -0.11 | 1.4 | 3.2 | 6.9 | 1.7 | -0.54 | 1.5 | 2.8 |
|---|
| Total Operating Income | 84.9 | 68.8 | 61.4 | 67.8 | 62.8 | 54.2 | 63.1 | 70.9 | 74.7 | 63.6 | 62.7 | 66.8 |
|---|
| Impairment Charge/(Reversal) | 42.0 | 11.4 | 7.0 | -30.2 | -76.2 | -16.0 | -18.1 | -18.1 | -12.1 | -28.3 | -21.1 | -33.6 |
|---|
| Net Operating Income | 127 | 80.2 | 68.4 | 37.6 | -13.3 | 38.1 | 45.1 | 52.8 | 62.6 | 35.3 | 41.6 | 33.1 |
|---|
| Operating Expenses | -37.7 | -34.6 | -33.2 | -28.2 | -28.2 | -29.9 | -30.9 | -29.5 | -39.4 | -28.5 | -33.2 | -26.1 |
|---|
| Operating Expense - Personnel Expenses | -25.0 | -21.8 | -20.1 | -16.7 | -15.9 | -16.5 | -18.1 | -17.6 | -24.3 | -15.3 | -17.8 | -15.5 |
|---|
| Other Operating Expenses | -2.0 | -11.1 | -10.8 | -10.3 | -3.0 | -11.4 | -10.8 | -9.8 | -3.3 | -11.1 | -12.7 | -9.2 |
|---|
| Depreciation & Amortisation | -10.7 | -1.7 | -2.3 | -1.2 | -9.3 | -2.0 | -2.0 | -2.1 | -11.8 | -2.1 | -2.7 | -1.4 |
|---|
| Operating Profit | 89.1 | 45.6 | 35.2 | 9.4 | -41.5 | 8.2 | 14.2 | 23.3 | 23.2 | 6.8 | 8.4 | 7.0 |
|---|
| Non-Operating Income/(Expense) | -35.7 | 0.00 | 0.02 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 |
|---|
| Non-Operating Income | -0.02 | 0.00 | 0.02 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 |
|---|
| Non-Operating Expense | -35.7 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Profit Before Income Tax | 53.5 | 45.6 | 35.2 | 9.4 | -41.5 | 8.2 | 14.2 | 23.3 | 23.2 | 6.8 | 8.4 | 7.0 |
|---|
| Income Tax Expense | -15.9 | -13.7 | -10.4 | -3.0 | 12.4 | -2.5 | -4.3 | -7.0 | -13.3 | -2.0 | -2.6 | -2.2 |
|---|
| Current Tax | -16.1 | -13.7 | -10.4 | -3.0 | 12.4 | -2.5 | -4.3 | -7.0 | -13.3 | -2.0 | -2.6 | -2.2 |
|---|
| Deferred Tax | 0.17 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Profit for the Year | 37.5 | 31.9 | 24.8 | 6.4 | -29.0 | 5.8 | 9.9 | 16.3 | 9.8 | 4.8 | 5.7 | 4.8 |
|---|
Jyoti Bikas Bank share price history
Over the last 15 trading sessions JBBL closed between Rs. 324.70 and Rs. 356.00, finishing at Rs. 356.00 on 2026-09-22 against Rs. 332.00 on 2026-08-26.
| Date | Open | High | Low | Close | Volume |
|---|
| 2026-09-22 | 364.30 | 364.30 | 350.00 | 356.00 | 1,41,988 |
|---|
| 2026-09-18 | 343.10 | 352.00 | 343.10 | 347.00 | 46,565 |
|---|
| 2026-09-17 | 345.00 | 351.00 | 343.00 | 343.30 | 1,04,825 |
|---|
| 2026-09-16 | 348.50 | 348.50 | 342.30 | 342.50 | 25,534 |
|---|
| 2026-09-15 | 357.00 | 357.00 | 343.00 | 348.50 | 1,05,944 |
|---|
| 2026-09-14 | 337.00 | 345.00 | 335.00 | 340.00 | 35,199 |
|---|
| 2026-09-11 | 325.40 | 334.50 | 325.40 | 334.50 | 12,564 |
|---|
| 2026-09-10 | 331.90 | 331.90 | 325.00 | 328.60 | 17,313 |
|---|
| 2026-09-09 | 334.90 | 335.00 | 328.20 | 329.00 | 28,133 |
|---|
| 2026-09-07 | 323.00 | 337.00 | 323.00 | 334.90 | 43,266 |
|---|
| 2026-09-03 | 325.00 | 329.90 | 318.00 | 325.00 | 24,532 |
|---|
| 2026-09-02 | 323.00 | 328.00 | 322.50 | 327.00 | 15,957 |
|---|
| 2026-09-01 | 325.00 | 329.50 | 324.10 | 324.70 | 13,819 |
|---|
| 2026-08-31 | 327.00 | 332.00 | 320.10 | 325.00 | 24,411 |
|---|
| 2026-08-26 | 333.00 | 336.50 | 325.10 | 332.00 | 1,88,204 |
|---|
JBBL share price by year
2026, between Rs. 318.00 and Rs. 395.00, 2025, between Rs. 295.00 and Rs. 413.00, 2024, between Rs. 275.00 and Rs. 445.00, 2023, between Rs. 249.10 and Rs. 357.00, 2022, between Rs. 240.78 and Rs. 479.51 and 2021, between Rs. 174.93 and Rs. 568.44.
| Year | Low (Rs.) | High (Rs.) | Sessions |
|---|
| 2026 | 318.00 | 395.00 | 168 |
|---|
| 2025 | 295.00 | 413.00 | 225 |
|---|
| 2024 | 275.00 | 445.00 | 232 |
|---|
| 2023 | 249.10 | 357.00 | 227 |
|---|
| 2022 | 240.78 | 479.51 | 242 |
|---|
| 2021 | 174.93 | 568.44 | 239 |
|---|
| 2020 | 117.68 | 201.17 | 182 |
|---|
| 2019 | 93.80 | 122.00 | 245 |
|---|
| 2018 | 92.39 | 121.30 | 234 |
|---|
| 2017 | 103.54 | 174.06 | 229 |
|---|
| 2016 | 81.42 | 158.90 | 56 |
|---|
| 2015 | 67.49 | 92.09 | 180 |
|---|
Jyoti Bikas Bank share price returns
At Rs. 356.00 on 2026-09-22, JBBL is up 2.15% over 1 week, up 6.62% over 1 month, up 4.40% over 3 months, down 7.51% over 6 months, up 8.27% over 1 year and down 24.06% over 5 years. Each return compares that close with the last close on or before the same date in the earlier period.
| Period | Return | From price (Rs.) | From date |
|---|
| 1 week | +2.15% | 348.50 | 2026-09-15 |
|---|
| 1 month | +6.62% | 333.90 | 2026-08-21 |
|---|
| 3 months | +4.40% | 341.00 | 2026-06-24 |
|---|
| 6 months | -7.51% | 384.90 | 2026-03-26 |
|---|
| 1 year | +8.27% | 328.80 | 2025-09-21 |
|---|
| 5 years | -24.06% | 468.82 | 2021-09-23 |
|---|
JBBL floorsheet for 2026-09-22
JBBL traded 331 times on 2026-09-22, moving 1,34,052 shares for Rs. 4.79 crore of turnover. Trades went through between Rs. 346.00 and Rs. 364.30.
Largest buyers by volume: broker 33, Dakshinkali Investment Securities Pvt.Limited on 79,324 shares across 174 trades, broker 34, Vision Securities Pvt.Limited on 11,900 shares across 11 trades, broker 17, ABC Securities Pvt. Limited on 10,200 shares across 33 trades, broker 54, Sewa Securities Pvt. Ltd. on 5,019 shares across 9 trades, broker 35, Kohinoor Investment and Securities Pvt.Ltd on 4,000 shares across 13 trades, broker 58, Naasa Securities Co. Ltd. on 3,200 shares across 9 trades, broker 36, Secured Securities Limited on 3,000 shares across 3 trades, broker 81, Aakashbhairab Securities Ltd. on 3,000 shares across 10 trades, broker 44, Dynamic Money Managers Securities Pvt.Ltd on 2,800 shares across 8 trades and broker 59, Deevyaa Securities & Stock House Pvt. Ltd on 2,723 shares across 5 trades.
Largest sellers by volume: broker 34, Vision Securities Pvt.Limited on 17,191 shares across 27 trades, broker 58, Naasa Securities Co. Ltd. on 10,593 shares across 36 trades, broker 25, Sweta Securities Pvt. Limited on 7,826 shares across 13 trades, broker 22, Siprabi Securities Pvt. Limited on 6,829 shares across 10 trades, broker 60, Nagarik Stock Dealer Company Ltd. on 6,286 shares across 2 trades, broker 16, Primo Securities Pvt. Limited on 5,534 shares across 10 trades, broker 17, ABC Securities Pvt. Limited on 5,200 shares across 6 trades, broker 45, Imperial Securities Co. Limited on 4,996 shares across 12 trades, broker 35, Kohinoor Investment and Securities Pvt.Ltd on 4,202 shares across 14 trades and broker 46, Kalika Securities Pvt.Limited on 4,050 shares across 4 trades.
JBBL dividend history: bonus shares and cash dividend
Jyoti Bikas Bank Limited most recently declared a 3% bonus share issue and a 3.8% cash dividend, 6.8% in total for 2078/2079, announced on 2023-02-02. Percentages are of paid up value. Declared, not necessarily paid: a dividend is subject to the annual general meeting approving it.
| Financial year | Bonus share | Cash dividend | Announced |
|---|
| 2078/2079 | 3% | 3.8% | 2023-02-02 |
| 2077/2078 | 11% | 4.5% | 2021-12-16 |
For 2078/2079 Jyoti Bikas Bank Limited declared a 3% bonus share issue and a 3.8% cash dividend, 6.8% in total, announced on 2023-02-02.
For 2077/2078 Jyoti Bikas Bank Limited declared an 11% bonus share issue and a 4.5% cash dividend, 15.5% in total, announced on 2021-12-16.
JBBL general meetings
Annual and special general meetings Jyoti Bikas Bank Limited has called. A dividend is declared by the board and approved at the AGM.
- 18th AGM for 2081/2082: on 2026-03-12, at Lisara Reception, Naxal, Kathmandu (11:00 AM)
- 17th AGM for 2080/2081: on 2025-01-13, at Silver Oak Banquet and Events, Gairidhara, Kathmandu (11:00 AM)
- 16th AGM for 2079/2080: on 2024-01-14, at Lisara Reception, Naxal, Kathmandu (11:00 AM)
5 years of annual statements and 12 quarters of results for JBBL, with charts and peer comparison, are free on NepView.
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