Jeevan Bikas Laghubitta Bittya Sanstha Ltd (JBLB) Share Price & Fundamentals
Jeevan Bikas (JBLB) share price is Rs. 1,281.00, up 0.71% on 2026-09-22. Open Rs. 1,270.00. High Rs. 1,285.00. Low Rs. 1,270.00. Volume 6,069.
Jeevan Bikas Laghubitta Bittya Sanstha Ltd is a NEPSE-listed company (JBLB), Microfinance sector. Revenue: Rs. 241.12 Crore. Net profit: Rs. 70.64 Crore. Net worth: Rs. 388.54 Crore.
About Jeevan Bikas Laghubitta Bittya Sanstha Ltd
Jeevan Bikas Laghubitta Bittiya Sanstha Limited, Central Office Katahari-2, Morang, is a 'D'-class national retail microfinance institution licensed by Nepal Rastra Bank, offering microcredit, deposits and related services.
Jeevan Bikas Laghubitta Bittya Sanstha Ltd (JBLB) has 1,75,12,356 shares outstanding. Its most recent declared dividend was 0.74% on face value.
JBLB key metrics
JBLB strengths
What Jeevan Bikas Laghubitta Bittya Sanstha Ltd's own accounts show in its favour, graded against the rest of its sector.
- Makes 7% on its assets from the gap between what it charges borrowers and pays savers. (Margins & Income Quality)
- Profit grew 53.2% on last year. (Growth)
- Bad-loan charges come to -13.6% of income, so borrowers are paying back well. (Asset Quality)
- Each share earned Rs 61.8 of profit over the year. (Shareholder Returns)
- Earns 18.2% a year on the money shareholders put in, which is the return owners actually receive. (Profitability)
- Turns 40.3% of its income into profit once every cost is paid. (Profitability)
- Earns 2.3% a year on everything the bank owns, so its loans and investments are working well. (Profitability)
- Keeps 64.3% of income as profit from everyday banking, before tax. (Profitability)
- 12.9% of what the bank owns belongs to shareholders rather than depositors and lenders. (Capital Strength)
- 87.4% of income comes from lending, which is steady and predictable. (Margins & Income Quality)
- Owns 7.75x for every rupee shareholders put in, a modest multiple that limits risk. (Capital Strength)
- Each share is backed by Rs 221.87 of the bank's own net worth. (Shareholder Returns)
- Income from lending grew 11.9% on last year, so the core business is expanding. (Growth)
- Customer deposits grew 16.9% on last year, giving it more cheap money to lend. (Growth)
- Total income grew 11.5% on last year. (Growth)
JBLB weaknesses
What the same accounts show against it. Both lists are computed from the filed figures, not opinion, and are not advice.
- Only 47.4% of funding comes from deposits, so it relies on costlier borrowing. (Liquidity & Funding)
- Staff costs take 40.8% of income, a heavy load on earnings. (Efficiency)
- Loans are 90.7% of what the bank owns, so most of its risk sits in lending. (Asset Quality)
- Only 11.3% of income comes from fees, so it leans heavily on lending. (Margins & Income Quality)
- The loan book moved 5.5%, so lending is not expanding. (Growth)
- The bank's size moved 6.6% over the year. (Shareholder Returns)
JBLB Q3 2082/83 results
In Q3 2082/83 Jeevan Bikas Laghubitta Bittya Sanstha Ltd reported profit of Rs. 23.79 crore and total operating income of Rs. 74.6 crore. Profit in Q2 2082/83 was Rs. 24.32 crore. Profit fell 2.17% on the previous quarter. Total operating income grew 32.87% on the previous quarter. Profit in Q3 2081/82, the same quarter a year earlier, was Rs. 15.02 crore. Profit grew 58.33% on the same quarter last year. Total operating income grew 19.82% on the same quarter last year.
JBLB annual results 2081/82
For the financial year 2081/82 Jeevan Bikas Laghubitta Bittya Sanstha Ltd reported net profit of Rs. 70.64 crore, total operating income of Rs. 241.12 crore and net worth of Rs. 388.54 crore. Net profit in 2080/81 was Rs. 21 crore. Net profit grew 236.32% on the year. Total operating income grew 33.36% on the year.
JBLB profit and loss for 2081/82
In the financial year 2081/82, Jeevan Bikas Laghubitta Bittya Sanstha Ltd reported net interest income of Rs. 210.16 crore, net fee and commission income of Rs. 27.15 crore, other operating income of Rs. 3.81 crore, total operating income of Rs. 241.12 crore, impairment charge/(reversal) of Rs. 25.79 crore, net operating income of Rs. 215.33 crore, operating expenses of Rs. 116.27 crore, operating profit of Rs. 99.06 crore, non-operating income/(expense) of Rs. 5.75 crore, profit before income tax of Rs. 104.81 crore, income tax expense of Rs. 34.17 crore and profit for the year of Rs. 70.64 crore.
Reported under net interest income: interest income of Rs. 403.55 crore and interest expense of Rs. 193.39 crore. Reported under net fee and commission income: fee and commission income of Rs. 27.64 crore and fee and commission expense of Rs. 0.49 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 99.42 crore, other operating expenses of Rs. 13.25 crore and depreciation & amortisation of Rs. 3.6 crore. Reported under non-operating income/(expense): non-operating income of Rs. 5.8 crore and non-operating expense of Rs. 0.05 crore. Reported under income tax expense: current tax of Rs. 41.84 crore and deferred tax of Rs. 7.68 crore.
JBLB profit and loss for 2080/81
In the financial year 2080/81, Jeevan Bikas Laghubitta Bittya Sanstha Ltd reported net interest income of Rs. 148.55 crore, net fee and commission income of Rs. 26.37 crore, other operating income of Rs. 5.88 crore, total operating income of Rs. 180.8 crore, impairment charge/(reversal) of Rs. 74.56 crore, net operating income of Rs. 106.23 crore, operating expenses of Rs. 88.34 crore, operating profit of Rs. 17.89 crore, non-operating income/(expense) of Rs. 11.79 crore, profit before income tax of Rs. 29.68 crore, income tax expense of Rs. 8.67 crore and profit for the year of Rs. 21 crore.
Reported under net interest income: interest income of Rs. 359.33 crore and interest expense of Rs. 210.78 crore. Reported under net fee and commission income: fee and commission income of Rs. 27.74 crore and fee and commission expense of Rs. 1.37 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 74.49 crore, other operating expenses of Rs. 9.78 crore and depreciation & amortisation of Rs. 4.07 crore. Reported under non-operating income/(expense): non-operating income of Rs. 11.84 crore and non-operating expense of Rs. 0.05 crore. Reported under income tax expense: current tax of Rs. 23.22 crore and deferred tax of Rs. 14.54 crore.
JBLB profit and loss for 2079/80
In the financial year 2079/80, Jeevan Bikas Laghubitta Bittya Sanstha Ltd reported net interest income of Rs. 149.28 crore, net fee and commission income of Rs. 19.93 crore, other operating income of Rs. 5.48 crore, total operating income of Rs. 174.7 crore, impairment charge/(reversal) of Rs. 50.85 crore, net operating income of Rs. 123.84 crore, operating expenses of Rs. 86.55 crore, operating profit of Rs. 37.29 crore, non-operating income/(expense) of Rs. 12.56 crore, profit before income tax of Rs. 49.86 crore, income tax expense of Rs. 15.65 crore and profit for the year of Rs. 34.21 crore.
Reported under net interest income: interest income of Rs. 353.81 crore and interest expense of Rs. 204.53 crore. Reported under net fee and commission income: fee and commission income of Rs. 21.21 crore and fee and commission expense of Rs. 1.28 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 72.54 crore, other operating expenses of Rs. 10.1 crore and depreciation & amortisation of Rs. 3.91 crore. Reported under non-operating income/(expense): non-operating income of Rs. 12.63 crore and non-operating expense of Rs. 0.07 crore. Reported under income tax expense: current tax of Rs. 20.81 crore and deferred tax of Rs. 5.16 crore.
JBLB balance sheet for 2081/82
In the financial year 2081/82, Jeevan Bikas Laghubitta Bittya Sanstha Ltd reported total assets of Rs. 3,009.99 crore, total liabilities of Rs. 2,621.44 crore and total equity of Rs. 388.54 crore.
Reported under total assets: cash and cash equivalents of Rs. 191.61 crore, due from nepal rastra bank of Rs. 12.85 crore, placement with banks and fis of Rs. 4 crore, loans and advances to customers of Rs. 2,728.97 crore, current tax assets of Rs. 0 crore, property and equipment of Rs. 25.57 crore, goodwill and intangible assets of Rs. 0.05 crore, deferred tax assets of Rs. 34.1 crore and other assets of Rs. 12.83 crore. Reported under total liabilities: due to banks and fis of Rs. 1,094.49 crore, due to nepal rastra bank of Rs. 0 crore, deposits from customers of Rs. 1,241.48 crore, current tax liabilities of Rs. 9.08 crore, provisions of Rs. 0 crore and other liabilities of Rs. 276.39 crore. Reported under total equity: share capital of Rs. 153.62 crore, retained earnings of Rs. 80.05 crore and reserves of Rs. 154.88 crore.
JBLB balance sheet for 2080/81
In the financial year 2080/81, Jeevan Bikas Laghubitta Bittya Sanstha Ltd reported total assets of Rs. 2,822.97 crore, total liabilities of Rs. 2,493.28 crore and total equity of Rs. 329.69 crore.
Reported under total assets: cash and cash equivalents of Rs. 144.57 crore, due from nepal rastra bank of Rs. 12.35 crore, placement with banks and fis of Rs. 12 crore, loans and advances to customers of Rs. 2,587.46 crore, current tax assets of Rs. 7.66 crore, property and equipment of Rs. 27.36 crore, goodwill and intangible assets of Rs. 0.11 crore, deferred tax assets of Rs. 23.93 crore and other assets of Rs. 7.54 crore. Reported under total liabilities: due to banks and fis of Rs. 1,187.97 crore, due to nepal rastra bank of Rs. 0 crore, deposits from customers of Rs. 1,062.07 crore, current tax liabilities of Rs. 0 crore, provisions of Rs. 0 crore and other liabilities of Rs. 243.24 crore. Reported under total equity: share capital of Rs. 134.75 crore, retained earnings of Rs. 60.77 crore and reserves of Rs. 134.17 crore.
JBLB balance sheet for 2079/80
In the financial year 2079/80, Jeevan Bikas Laghubitta Bittya Sanstha Ltd reported total assets of Rs. 2,456.05 crore, total liabilities of Rs. 2,144.51 crore and total equity of Rs. 311.54 crore.
Reported under total assets: cash and cash equivalents of Rs. 95.79 crore, due from nepal rastra bank of Rs. 10 crore, placement with banks and fis of Rs. 17 crore, loans and advances to customers of Rs. 2,280.11 crore, current tax assets of Rs. 0 crore, property and equipment of Rs. 24.63 crore, goodwill and intangible assets of Rs. 0.18 crore, deferred tax assets of Rs. 9.97 crore and other assets of Rs. 18.38 crore. Reported under total liabilities: due to banks and fis of Rs. 885.26 crore, due to nepal rastra bank of Rs. 0 crore, deposits from customers of Rs. 1,003.18 crore, current tax liabilities of Rs. 0.34 crore, provisions of Rs. 1.25 crore and other liabilities of Rs. 254.48 crore. Reported under total equity: share capital of Rs. 118.2 crore, retained earnings of Rs. 68.3 crore and reserves of Rs. 125.04 crore.
JBLB cash flow for 2081/82
In the financial year 2081/82, Jeevan Bikas Laghubitta Bittya Sanstha Ltd reported net cash flow from operating activities (a) of Rs. 54.28 crore, net cash flow from investing activities (b) of Rs. 1.27 crore, net cash flow from financing activities (c) of Rs. 5.96 crore, net increase/(decrease) in cash and cash equivalents of Rs. 47.05 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 144.57 crore and cash and cash equivalents at ashadh end of Rs. 191.61 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 403.92 crore, fees and other income received of Rs. 31.45 crore, receipts from other operating activities of Rs. 0 crore, interest paid of Rs. 175.23 crore, commission and fees paid of Rs. 0.49 crore, cash payment to employees of Rs. 82.71 crore, other expense paid of Rs. 15.13 crore, operating cash flows before changes in operating assets and liabilities of Rs. 161.81 crore, due from nepal rastra bank of Rs. 0.5 crore, placement with banks and financial institutions of Rs. 8 crore, loan and advances to customers of Rs. 167.86 crore, other assets of Rs. 5.35 crore, due to banks and financial institutions of Rs. 93.47 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 179.41 crore, other liabilities of Rs. 2.64 crore, net cash flow from operating activities before tax paid of Rs. 79.39 crore and income taxes paid of Rs. 25.11 crore. Reported under net cash flow from investing activities (b): purchase of property and equipment of Rs. 1.29 crore, receipt from sale of property and equipment of Rs. 0.01 crore and purchase of intangible assets of Rs. 0 crore. Reported under net cash flow from financing activities (c): dividends paid of Rs. 0.99 crore and other receipt/payment of Rs. 4.97 crore.
JBLB cash flow for 2080/81
In the financial year 2080/81, Jeevan Bikas Laghubitta Bittya Sanstha Ltd reported net cash flow from operating activities (a) of Rs. 60.08 crore, net cash flow from investing activities (b) of Rs. 6.74 crore, net cash flow from financing activities (c) of Rs. 4.57 crore, net increase/(decrease) in cash and cash equivalents of Rs. 48.77 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 95.79 crore and cash and cash equivalents at ashadh end of Rs. 144.57 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 357.24 crore, fees and other income received of Rs. 33.62 crore, receipts from other operating activities of Rs. 11.84 crore, interest paid of Rs. 210.25 crore, commission and fees paid of Rs. 1.36 crore, cash payment to employees of Rs. 73.12 crore, other expense paid of Rs. 9.84 crore, operating cash flows before changes in operating assets and liabilities of Rs. 108.13 crore, due from nepal rastra bank of Rs. 2.35 crore, placement with banks and financial institutions of Rs. 17 crore, loan and advances to customers of Rs. 379.82 crore, other assets of Rs. 8.82 crore, due to banks and financial institutions of Rs. 302.71 crore, due to nepal rastra bank of Rs. 0 crore, deposit from customers of Rs. 50.12 crore, other liabilities of Rs. 3.68 crore, net cash flow from operating activities before tax paid of Rs. 83.29 crore and income taxes paid of Rs. 23.21 crore. Reported under net cash flow from investing activities (b): purchase of property and equipment of Rs. 6.8 crore, receipt from sale of property and equipment of Rs. 0 crore and purchase of intangible assets of Rs. 0.06 crore. Reported under net cash flow from financing activities (c): dividends paid of Rs. 0.87 crore and other receipt/payment of Rs. 3.7 crore.
JBLB cash flow for 2079/80
In the financial year 2079/80, Jeevan Bikas Laghubitta Bittya Sanstha Ltd reported net cash flow from operating activities (a) of Rs. 50.38 crore, net cash flow from investing activities (b) of Rs. 5.48 crore, net cash flow from financing activities (c) of Rs. 1.29 crore, net increase/(decrease) in cash and cash equivalents of Rs. 43.62 crore, cash and cash equivalents at shrawan 01 (beginning of the year) of Rs. 52.18 crore and cash and cash equivalents at ashadh end of Rs. 95.79 crore.
Reported under net cash flow from operating activities (a): interest received of Rs. 345.2 crore, fees and other income received of Rs. 26.69 crore, receipts from other operating activities of Rs. 12.63 crore, interest paid of Rs. 204.53 crore, commission and fees paid of Rs. 1.28 crore, cash payment to employees of Rs. 77.07 crore, other expense paid of Rs. 13.28 crore, operating cash flows before changes in operating assets and liabilities of Rs. 88.37 crore, due from nepal rastra bank of Rs. 0.15 crore, placement with banks and financial institutions of Rs. 4 crore, loan and advances to customers of Rs. 33.52 crore, other assets of Rs. 10.26 crore, due to banks and financial institutions of Rs. 62.9 crore, due to nepal rastra bank of Rs. 60 crore, deposit from customers of Rs. 48.51 crore, other liabilities of Rs. 18.6 crore, net cash flow from operating activities before tax paid of Rs. 59.69 crore and income taxes paid of Rs. 9.3 crore. Reported under net cash flow from investing activities (b): purchase of property and equipment of Rs. 5.53 crore, receipt from sale of property and equipment of Rs. 0 crore and purchase of intangible assets of Rs. 0.06 crore. Reported under net cash flow from financing activities (c): dividends paid of Rs. 0.74 crore and other receipt/payment of Rs. 0.55 crore.
JBLB quarterly for Q3 2082/83
In the quarter Q3 2082/83, Jeevan Bikas Laghubitta Bittya Sanstha Ltd reported net interest income of Rs. 64.97 crore, net fee and commission income of Rs. 8.62 crore, other operating income of Rs. 1.01 crore, total operating income of Rs. 74.6 crore, impairment charge/(reversal) of Rs. 9.58 crore, net operating income of Rs. 65.02 crore, operating expenses of Rs. 32.38 crore, operating profit of Rs. 32.64 crore, non-operating income/(expense) of Rs. 1.34 crore, profit before income tax of Rs. 33.98 crore, income tax expense of Rs. 10.2 crore and profit for the year of Rs. 23.79 crore.
Reported under net interest income: interest income of Rs. 111.74 crore and interest expense of Rs. 46.77 crore. Reported under net fee and commission income: fee and commission income of Rs. 8.69 crore and fee and commission expense of Rs. 0.07 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 26.54 crore, other operating expenses of Rs. 5.64 crore and depreciation & amortisation of Rs. 0.21 crore. Reported under non-operating income/(expense): non-operating income of Rs. 1.37 crore and non-operating expense of Rs. 0.02 crore. Reported under income tax expense: current tax of Rs. 10.2 crore and deferred tax of Rs. 0 crore.
JBLB quarterly for Q2 2082/83
In the quarter Q2 2082/83, Jeevan Bikas Laghubitta Bittya Sanstha Ltd reported net interest income of Rs. 48.33 crore, net fee and commission income of Rs. 7.26 crore, other operating income of Rs. 0.55 crore, total operating income of Rs. 56.14 crore, impairment charge/(reversal) of Rs. 7.36 crore, net operating income of Rs. 63.51 crore, operating expenses of Rs. 29.93 crore, operating profit of Rs. 33.57 crore, non-operating income/(expense) of Rs. 1.17 crore, profit before income tax of Rs. 34.74 crore, income tax expense of Rs. 10.42 crore and profit for the year of Rs. 24.32 crore.
Reported under net interest income: interest income of Rs. 93.91 crore and interest expense of Rs. 45.58 crore. Reported under net fee and commission income: fee and commission income of Rs. 7.3 crore and fee and commission expense of Rs. 0.04 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 26.03 crore, other operating expenses of Rs. 3.7 crore and depreciation & amortisation of Rs. 0.21 crore. Reported under non-operating income/(expense): non-operating income of Rs. 1.19 crore and non-operating expense of Rs. 0.02 crore. Reported under income tax expense: current tax of Rs. 10.42 crore and deferred tax of Rs. 0 crore.
JBLB quarterly for Q1 2082/83
In the quarter Q1 2082/83, Jeevan Bikas Laghubitta Bittya Sanstha Ltd reported net interest income of Rs. 55.73 crore, net fee and commission income of Rs. 6.52 crore, other operating income of Rs. 0.81 crore, total operating income of Rs. 63.06 crore, impairment charge/(reversal) of Rs. 7.96 crore, net operating income of Rs. 71.02 crore, operating expenses of Rs. 34.36 crore, operating profit of Rs. 36.67 crore, non-operating income/(expense) of Rs. 15.83 crore, profit before income tax of Rs. 20.84 crore, income tax expense of Rs. 6.25 crore and profit for the year of Rs. 14.59 crore.
Reported under net interest income: interest income of Rs. 104.8 crore and interest expense of Rs. 49.07 crore. Reported under net fee and commission income: fee and commission income of Rs. 6.53 crore and fee and commission expense of Rs. 0.01 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 28.31 crore, other operating expenses of Rs. 5.84 crore and depreciation & amortisation of Rs. 0.21 crore. Reported under non-operating income/(expense): non-operating income of Rs. 1.2 crore and non-operating expense of Rs. 17.02 crore. Reported under income tax expense: current tax of Rs. 6.25 crore and deferred tax of Rs. 0 crore.
JBLB quarterly for Q4 2081/82
In the quarter Q4 2081/82, Jeevan Bikas Laghubitta Bittya Sanstha Ltd reported net interest income of Rs. 64.35 crore, net fee and commission income of Rs. 7.63 crore, other operating income of Rs. 3.5 crore, total operating income of Rs. 68.47 crore, impairment charge/(reversal) of Rs. 12.81 crore, net operating income of Rs. 81.28 crore, operating expenses of Rs. 31.58 crore, operating profit of Rs. 49.7 crore, non-operating income/(expense) of Rs. 0 crore, profit before income tax of Rs. 49.7 crore, income tax expense of Rs. 14.91 crore and profit for the year of Rs. 34.79 crore.
Reported under net interest income: interest income of Rs. 111.31 crore and interest expense of Rs. 46.97 crore. Reported under net fee and commission income: fee and commission income of Rs. 7.63 crore and fee and commission expense of Rs. 0 crore. Reported under operating expenses: operating expense - personnel expenses of Rs. 36.09 crore, other operating expenses of Rs. 4.9 crore and depreciation & amortisation of Rs. 0.4 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. 14.91 crore and deferred tax of Rs. 0 crore.
JBLB Profit & Loss
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 |
|---|
| Net Interest Income | 210 | 149 | 149 | 164 |
|---|
| Interest Income | 404 | 359 | 354 | 335 |
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| Interest Expense | -193 | -211 | -205 | -171 |
|---|
| Net Fee and Commission Income | 27.1 | 26.4 | 19.9 | 25.8 |
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| Fee and Commission Income | 27.6 | 27.7 | 21.2 | 26.8 |
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| Fee and Commission Expense | -0.49 | -1.4 | -1.3 | -1.0 |
|---|
| Other Operating Income | 3.8 | 5.9 | 5.5 | 3.0 |
|---|
| Total Operating Income | 241 | 181 | 175 | 193 |
|---|
| Impairment Charge/(Reversal) | -25.8 | -74.6 | -50.9 | -5.1 |
|---|
| Net Operating Income | 215 | 106 | 124 | 188 |
|---|
| Operating Expenses | -116 | -88.3 | -86.5 | -81.1 |
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| Operating Expense - Personnel Expenses | -99.4 | -74.5 | -72.5 | -68.2 |
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| Other Operating Expenses | -13.2 | -9.8 | -10.1 | -9.0 |
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| Depreciation & Amortisation | -3.6 | -4.1 | -3.9 | -3.9 |
|---|
| Operating Profit | 99.1 | 17.9 | 37.3 | 107 |
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| Non-Operating Income/(Expense) | 5.8 | 11.8 | 12.6 | 4.8 |
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| Non-Operating Income | 5.8 | 11.8 | 12.6 | 4.8 |
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| Non-Operating Expense | -0.05 | -0.05 | -0.07 | -0.04 |
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| Profit Before Income Tax | 105 | 29.7 | 49.9 | 112 |
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| Income Tax Expense | -34.2 | -8.7 | -15.6 | -33.8 |
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| Current Tax | -41.8 | -23.2 | -20.8 | -33.4 |
|---|
| Deferred Tax | 7.7 | 14.5 | 5.2 | -0.43 |
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| Profit for the Year | 70.6 | 21.0 | 34.2 | 78.0 |
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JBLB Balance Sheet
Values in Rs. Crore unless stated otherwise.
| Particulars | 2081/82 | 2080/81 | 2079/80 | 2078/79 | 2077/78 |
|---|
| Total Assets | 3,010 | 2,823 | 2,456 | 2,484 | 2,189 |
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| Cash and Cash Equivalents | 192 | 145 | 95.8 | 52.2 | 137 |
|---|
| Due from Nepal Rastra Bank | 12.9 | 12.4 | 10.0 | 9.9 | 9.1 |
|---|
| Placement with Banks and FIs | 4.0 | 12.0 | 17.0 | 21.0 | 0.00 |
|---|
| Loans and Advances to Customers | 2,729 | 2,587 | 2,280 | 2,356 | 2,021 |
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| Current Tax Assets | 0.00 | 7.7 | 0.00 | 11.1 | 1.9 |
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| Property and Equipment | 25.6 | 27.4 | 24.6 | 23.0 | 8.6 |
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| Goodwill and Intangible Assets | 0.05 | 0.11 | 0.18 | 0.23 | 0.20 |
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| Deferred Tax Assets | 34.1 | 23.9 | 10.0 | 2.2 | 2.5 |
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| Other Assets | 12.8 | 7.5 | 18.4 | 8.1 | 7.6 |
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| Total Liabilities | 2,621 | 2,493 | 2,145 | 2,195 | 1,973 |
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| Due to Banks and FIs | 1,094 | 1,188 | 885 | 948 | 917 |
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| Due to Nepal Rastra Bank | 0.00 | 0.00 | 0.00 | 60.0 | 75.0 |
|---|
| Deposits from Customers | 1,241 | 1,062 | 1,003 | 955 | 809 |
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| Current Tax Liabilities | 9.1 | 0.00 | 0.34 | 0.00 | 0.00 |
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| Provisions | 0.00 | 0.00 | 1.3 | 2.6 | 3.4 |
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| Other Liabilities | 276 | 243 | 254 | 229 | 169 |
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| Total Equity | 389 | 330 | 312 | 289 | 215 |
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| Share Capital | 154 | 135 | 118 | 103 | 60.8 |
|---|
| Retained Earnings | 80.0 | 60.8 | 68.3 | 87.8 | 73.8 |
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| Reserves | 155 | 134 | 125 | 97.9 | 80.6 |
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JBLB 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) | 54.3 | 60.1 | 50.4 | -79.1 |
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| Interest Received | 404 | 357 | 345 | 330 |
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| Fees and Other Income Received | 31.4 | 33.6 | 26.7 | 35.0 |
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| Receipts from Other Operating Activities | 0.00 | 11.8 | 12.6 | 6.1 |
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| Interest Paid | -175 | -210 | -205 | -171 |
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| Commission and Fees Paid | -0.49 | -1.4 | -1.3 | -1.0 |
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| Cash Payment to Employees | -82.7 | -73.1 | -77.1 | -63.3 |
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| Other Expense Paid | -15.1 | -9.8 | -13.3 | -9.9 |
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| Operating Cash Flows Before Changes in Operating Assets and Liabilities | 162 | 108 | 88.4 | 125 |
|---|
| Due from Nepal Rastra Bank | -0.50 | -2.4 | -0.15 | -0.80 |
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| Placement with Banks and Financial Institutions | 8.0 | 17.0 | 4.0 | -21.0 |
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| Loan and Advances to Customers | -168 | -380 | 33.5 | -336 |
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| Other Assets | -5.4 | -8.8 | -10.3 | 0.77 |
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| Due to Banks and Financial Institutions | -93.5 | 303 | -62.9 | 30.9 |
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| Due to Nepal Rastra Bank | 0.00 | 0.00 | -60.0 | -15.0 |
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| Deposit from Customers | 179 | 50.1 | 48.5 | 146 |
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| Other Liabilities | -2.6 | -3.7 | 18.6 | 34.6 |
|---|
| Net Cash Flow from Operating Activities Before Tax Paid | 79.4 | 83.3 | 59.7 | -35.9 |
|---|
| Income Taxes Paid | -25.1 | -23.2 | -9.3 | -43.2 |
|---|
| Net Cash Flow from Investing Activities (B) | -1.3 | -6.7 | -5.5 | -1.6 |
|---|
| Purchase of Property and Equipment | -1.3 | -6.8 | -5.5 | -1.6 |
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| Receipt from Sale of Property and Equipment | 0.01 | 0.00 | 0.00 | 0.00 |
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| Purchase of Intangible Assets | 0.00 | 0.06 | 0.06 | 0.00 |
|---|
| Net Cash Flow from Financing Activities (C) | -6.0 | -4.6 | -1.3 | -4.5 |
|---|
| Dividends Paid | -0.99 | -0.87 | -0.74 | -2.2 |
|---|
| Other Receipt/Payment | -5.0 | -3.7 | -0.55 | -2.2 |
|---|
| Net Increase/(Decrease) in Cash and Cash Equivalents | 47.0 | 48.8 | 43.6 | -85.1 |
|---|
| Cash and Cash Equivalents at Shrawan 01 (Beginning of the Year) | 145 | 95.8 | 52.2 | 137 |
|---|
| Cash and Cash Equivalents at Ashadh End | 192 | 145 | 95.8 | 52.2 |
|---|
JBLB Quarterly Results
Values in Rs. Crore unless stated otherwise.
| Particulars | 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 | 65.0 | 48.3 | 55.7 | 64.3 | 52.6 | 50.4 | 44.4 | 30.1 | 41.1 | 35.6 | 38.4 |
|---|
| Interest Income | 112 | 93.9 | 105 | 111 | 99.3 | 97.7 | 96.9 | 89.5 | 93.6 | 87.4 | 91.4 |
|---|
| Interest Expense | -46.8 | -45.6 | -49.1 | -47.0 | -46.6 | -47.3 | -52.5 | -59.4 | -52.4 | -51.7 | -53.0 |
|---|
| Net Fee and Commission Income | 8.6 | 7.3 | 6.5 | 7.6 | 7.4 | 6.8 | 5.7 | 5.9 | 8.1 | 8.9 | 8.9 |
|---|
| Fee and Commission Income | 8.7 | 7.3 | 6.5 | 7.6 | 7.4 | 6.8 | 5.7 | 5.9 | 8.1 | 8.9 | 8.9 |
|---|
| Fee and Commission Expense | -0.07 | -0.04 | -0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Other Operating Income | 1.0 | 0.55 | 0.81 | -3.5 | 2.2 | 2.5 | 2.6 | 5.5 | 4.2 | 6.4 | 6.4 |
|---|
| Total Operating Income | 74.6 | 56.1 | 63.1 | 68.5 | 62.3 | 59.7 | 52.7 | 41.6 | 53.4 | 50.9 | 53.7 |
|---|
| Impairment Charge/(Reversal) | -9.6 | 7.4 | 8.0 | 12.8 | -7.6 | -20.2 | -10.8 | -42.8 | -18.9 | -17.7 | -10.1 |
|---|
| Net Operating Income | 65.0 | 63.5 | 71.0 | 81.3 | 54.6 | 39.6 | 41.8 | -1.3 | 34.5 | 33.3 | 43.6 |
|---|
| Operating Expenses | -32.4 | -29.9 | -34.4 | -31.6 | -33.2 | -24.4 | -27.6 | -16.1 | -21.8 | -20.8 | -26.3 |
|---|
| Operating Expense - Personnel Expenses | -26.5 | -26.0 | -28.3 | -36.1 | -22.0 | -18.2 | -22.4 | -23.9 | -17.0 | -14.9 | -19.8 |
|---|
| Other Operating Expenses | -5.6 | -3.7 | -5.8 | 4.9 | -10.7 | -5.9 | -4.8 | 10.6 | -4.3 | -5.6 | -6.0 |
|---|
| Depreciation & Amortisation | -0.21 | -0.21 | -0.21 | -0.40 | -0.43 | -0.35 | -0.51 | -2.8 | -0.39 | -0.38 | -0.53 |
|---|
| Operating Profit | 32.6 | 33.6 | 36.7 | 49.7 | 21.5 | 15.2 | 14.2 | -17.4 | 12.7 | 12.5 | 17.2 |
|---|
| Non-Operating Income/(Expense) | 1.3 | 1.2 | -15.8 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Non-Operating Income | 1.4 | 1.2 | 1.2 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Non-Operating Expense | -0.02 | -0.02 | -17.0 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
|---|
| Profit Before Income Tax | 34.0 | 34.7 | 20.8 | 49.7 | 21.5 | 15.2 | 14.2 | -17.4 | 12.7 | 12.5 | 17.2 |
|---|
| Income Tax Expense | -10.2 | -10.4 | -6.3 | -14.9 | -6.4 | -4.5 | -4.3 | 5.4 | -3.8 | -3.7 | -5.2 |
|---|
| Current Tax | -10.2 | -10.4 | -6.3 | -14.9 | -6.4 | -4.5 | -4.3 | 5.4 | -3.8 | -3.7 | -5.2 |
|---|
| Deferred Tax | 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 | 23.8 | 24.3 | 14.6 | 34.8 | 15.0 | 10.6 | 9.9 | -11.9 | 8.9 | 8.7 | 12.1 |
|---|
Jeevan Bikas share price history
Over the last 15 trading sessions JBLB closed between Rs. 1,239.00 and Rs. 1,285.00, finishing at Rs. 1,281.00 on 2026-09-22 against Rs. 1,242.20 on 2026-08-26.
| Date | Open | High | Low | Close | Volume |
|---|
| 2026-09-22 | 1,270.00 | 1,285.00 | 1,270.00 | 1,281.00 | 6,069 |
|---|
| 2026-09-18 | 1,267.00 | 1,282.80 | 1,267.00 | 1,272.00 | 2,503 |
|---|
| 2026-09-17 | 1,285.00 | 1,297.00 | 1,265.00 | 1,267.00 | 2,589 |
|---|
| 2026-09-16 | 1,246.50 | 1,289.40 | 1,246.50 | 1,272.00 | 2,036 |
|---|
| 2026-09-15 | 1,329.00 | 1,329.00 | 1,270.00 | 1,285.00 | 6,948 |
|---|
| 2026-09-14 | 1,301.10 | 1,301.10 | 1,242.00 | 1,267.00 | 3,277 |
|---|
| 2026-09-11 | 1,187.50 | 1,256.00 | 1,187.50 | 1,255.80 | 2,379 |
|---|
| 2026-09-10 | 1,254.00 | 1,260.00 | 1,235.10 | 1,250.00 | 2,053 |
|---|
| 2026-09-09 | 1,252.00 | 1,260.00 | 1,252.00 | 1,254.20 | 5,354 |
|---|
| 2026-09-07 | 1,270.00 | 1,270.00 | 1,250.00 | 1,252.00 | 4,936 |
|---|
| 2026-09-03 | 1,248.00 | 1,251.00 | 1,245.00 | 1,248.10 | 1,790 |
|---|
| 2026-09-02 | 1,245.00 | 1,257.90 | 1,245.00 | 1,249.00 | 2,320 |
|---|
| 2026-09-01 | 1,236.10 | 1,251.00 | 1,236.10 | 1,250.00 | 2,441 |
|---|
| 2026-08-31 | 1,245.00 | 1,245.00 | 1,236.10 | 1,239.00 | 2,045 |
|---|
| 2026-08-26 | 1,279.00 | 1,279.00 | 1,238.10 | 1,242.20 | 2,561 |
|---|
JBLB share price by year
2026, between Rs. 1,187.50 and Rs. 1,476.20, 2025, between Rs. 1,114.65 and Rs. 1,442.11, 2024, between Rs. 927.21 and Rs. 1,477.38, 2023, between Rs. 813.26 and Rs. 1,766.26, 2022, between Rs. 1,435.17 and Rs. 2,084.83 and 2021, between Rs. 309.20 and Rs. 1,916.65.
| Year | Low (Rs.) | High (Rs.) | Sessions |
|---|
| 2026 | 1,187.50 | 1,476.20 | 168 |
|---|
| 2025 | 1,114.65 | 1,442.11 | 225 |
|---|
| 2024 | 927.21 | 1,477.38 | 232 |
|---|
| 2023 | 813.26 | 1,766.26 | 227 |
|---|
| 2022 | 1,435.17 | 2,084.83 | 242 |
|---|
| 2021 | 309.20 | 1,916.65 | 98 |
|---|
Jeevan Bikas share price returns
At Rs. 1,281.00 on 2026-09-22, JBLB is down 0.31% over 1 week, up 1.98% over 1 month, up 1.67% over 3 months, down 7.34% over 6 months, up 4.56% over 1 year and down 13.55% 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 | -0.31% | 1,285.00 | 2026-09-15 |
|---|
| 1 month | +1.98% | 1,256.10 | 2026-08-21 |
|---|
| 3 months | +1.67% | 1,260.00 | 2026-06-24 |
|---|
| 6 months | -7.34% | 1,382.50 | 2026-03-26 |
|---|
| 1 year | +4.56% | 1,225.10 | 2025-09-21 |
|---|
| 5 years | -13.55% | 1,481.72 | 2021-09-23 |
|---|
JBLB floorsheet for 2026-09-22
JBLB traded 111 times on 2026-09-22, moving 5,678 shares for Rs. 0.73 crore of turnover. Trades went through between Rs. 1,237.00 and Rs. 1,285.00.
Largest buyers by volume: broker 22, Siprabi Securities Pvt. Limited on 2,501 shares across 39 trades, broker 4, Stock Broker Opal Securities Investment Pvt. Limited on 689 shares across 13 trades, broker 94, K.B.L. Securities Limited on 500 shares across 3 trades, broker 18, Sagarmatha Securities Pvt. Limited on 326 shares across 9 trades, broker 48, Trishakti Securities Public Limited on 317 shares across 3 trades, broker 39, Sumeru Securities Pvt.Limited on 200 shares across 8 trades, broker 13, Thrive Brokerage House Pvt. Limited on 198 shares across 3 trades, broker 21, Midas Stock Broking Company Pvt. Limited on 197 shares across 3 trades, broker 42, Sani Securities Company Limited on 167 shares across 4 trades and broker 19, Nepal Investment & Securities Trading Pvt. Limited on 150 shares across 4 trades.
Largest sellers by volume: broker 49, Online Securities Limited on 1,705 shares across 19 trades, broker 40, Creative Securities Pvt.Limited on 1,056 shares across 7 trades, broker 26, Asian Securities Pvt. Limited on 500 shares across 1 trades, broker 41, Linch Stock Market Limited on 360 shares across 9 trades, broker 48, Trishakti Securities Public Limited on 256 shares across 6 trades, broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 251 shares across 9 trades, broker 34, Vision Securities Pvt.Limited on 213 shares across 6 trades, broker 42, Sani Securities Company Limited on 161 shares across 4 trades, broker 21, Midas Stock Broking Company Pvt. Limited on 153 shares across 3 trades and broker 14, Nepal Stock House Pvt. Limited on 122 shares across 5 trades.
JBLB dividend history: bonus shares and cash dividend
Jeevan Bikas Laghubitta Bittya Sanstha Ltd most recently declared a 14% bonus share issue for 2081/2082, announced on 2026-01-13. 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 |
|---|
| 2081/2082 | 14% | | 2026-01-13 |
| 2080/2081 | 14% | | 2024-12-21 |
| 2079/2080 | 14% | | 2023-12-22 |
| 2078/2079 | 14.285% | 0.714% | 2023-03-24 |
| 2077/2078 | 70% | | 2022-03-18 |
For 2081/2082 Jeevan Bikas Laghubitta Bittya Sanstha Ltd declared a 14% bonus share issue, announced on 2026-01-13.
For 2080/2081 Jeevan Bikas Laghubitta Bittya Sanstha Ltd declared a 14% bonus share issue, announced on 2024-12-21.
For 2079/2080 Jeevan Bikas Laghubitta Bittya Sanstha Ltd declared a 14% bonus share issue, announced on 2023-12-22.
For 2078/2079 Jeevan Bikas Laghubitta Bittya Sanstha Ltd declared a 14.285% bonus share issue and a 0.714% cash dividend, 14.999% in total, announced on 2023-03-24.
For 2077/2078 Jeevan Bikas Laghubitta Bittya Sanstha Ltd declared a 70% bonus share issue, announced on 2022-03-18.
JBLB general meetings
Annual and special general meetings Jeevan Bikas Laghubitta Bittya Sanstha Ltd has called. A dividend is declared by the board and approved at the AGM.
- SGM for 2082/2083: on 2026-08-30, at Company's Central Office, Katahari-2, Morang (10:30 AM)
- SGM for 2081/2082: on 2026-06-24, at Company's Central Office, Katahari-2, Morang (10:30 AM)
- 7th AGM for 2081/2082: on 2026-01-13, at Company's Central Office, Katahari-02, Morang (10:30 AM)
5 years of annual statements and 11 quarters of results for JBLB, with charts and peer comparison, are free on NepView.
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