Jeevan Bikas (JBLB) share price is Rs. 1,265.10, down 1.55% on 2026-11-02. Open Rs. 1,270.00. High Rs. 1,280.00. Low Rs. 1,265.10. Volume 5,251.
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.
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.
| Market Cap | Rs. 2,215.49 Crore |
|---|---|
| P/E Ratio | 31.36 |
| P/E Ratio (TTM) | 20.47 |
| EPS | Rs. 40.34 |
| EPS (TTM) | Rs. 61.80 |
| Book Value | Rs. 221.87 |
| Dividend Yield | 0.06% |
| Face Value | Rs. 100.00 |
| 52 Week High | Rs. 1,476.20 |
| 52 Week Low | Rs. 1,187.50 |
What Jeevan Bikas Laghubitta Bittya Sanstha Ltd's own accounts show in its favour, graded against the rest of its sector.
What the same accounts show against it. Both lists are computed from the filed figures, not opinion, and are not advice.
In the third quarter of 2082/83 (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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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 |
| Interest Expense | -193 | -211 | -205 | -171 |
| Net Fee and Commission Income | 27.1 | 26.4 | 19.9 | 25.8 |
| Fee and Commission Income | 27.6 | 27.7 | 21.2 | 26.8 |
| 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 |
| Operating Expense - Personnel Expenses | -99.4 | -74.5 | -72.5 | -68.2 |
| Other Operating Expenses | -13.2 | -9.8 | -10.1 | -9.0 |
| Depreciation & Amortisation | -3.6 | -4.1 | -3.9 | -3.9 |
| Operating Profit | 99.1 | 17.9 | 37.3 | 107 |
| Non-Operating Income/(Expense) | 5.8 | 11.8 | 12.6 | 4.8 |
| Non-Operating Income | 5.8 | 11.8 | 12.6 | 4.8 |
| Non-Operating Expense | -0.05 | -0.05 | -0.07 | -0.04 |
| Profit Before Income Tax | 105 | 29.7 | 49.9 | 112 |
| Income Tax Expense | -34.2 | -8.7 | -15.6 | -33.8 |
| Current Tax | -41.8 | -23.2 | -20.8 | -33.4 |
| Deferred Tax | 7.7 | 14.5 | 5.2 | -0.43 |
| Profit for the Year | 70.6 | 21.0 | 34.2 | 78.0 |
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 |
| 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 |
| Current Tax Assets | 0.00 | 7.7 | 0.00 | 11.1 | 1.9 |
| Property and Equipment | 25.6 | 27.4 | 24.6 | 23.0 | 8.6 |
| Goodwill and Intangible Assets | 0.05 | 0.11 | 0.18 | 0.23 | 0.20 |
| Deferred Tax Assets | 34.1 | 23.9 | 10.0 | 2.2 | 2.5 |
| Other Assets | 12.8 | 7.5 | 18.4 | 8.1 | 7.6 |
| Total Liabilities | 2,621 | 2,493 | 2,145 | 2,195 | 1,973 |
| Due to Banks and FIs | 1,094 | 1,188 | 885 | 948 | 917 |
| 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 |
| Current Tax Liabilities | 9.1 | 0.00 | 0.34 | 0.00 | 0.00 |
| Provisions | 0.00 | 0.00 | 1.3 | 2.6 | 3.4 |
| Other Liabilities | 276 | 243 | 254 | 229 | 169 |
| Total Equity | 389 | 330 | 312 | 289 | 215 |
| Share Capital | 154 | 135 | 118 | 103 | 60.8 |
| Retained Earnings | 80.0 | 60.8 | 68.3 | 87.8 | 73.8 |
| Reserves | 155 | 134 | 125 | 97.9 | 80.6 |
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 |
| Interest Received | 404 | 357 | 345 | 330 |
| Fees and Other Income Received | 31.4 | 33.6 | 26.7 | 35.0 |
| Receipts from Other Operating Activities | 0.00 | 11.8 | 12.6 | 6.1 |
| Interest Paid | -175 | -210 | -205 | -171 |
| Commission and Fees Paid | -0.49 | -1.4 | -1.3 | -1.0 |
| Cash Payment to Employees | -82.7 | -73.1 | -77.1 | -63.3 |
| Other Expense Paid | -15.1 | -9.8 | -13.3 | -9.9 |
| 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 |
| Placement with Banks and Financial Institutions | 8.0 | 17.0 | 4.0 | -21.0 |
| Loan and Advances to Customers | -168 | -380 | 33.5 | -336 |
| Other Assets | -5.4 | -8.8 | -10.3 | 0.77 |
| Due to Banks and Financial Institutions | -93.5 | 303 | -62.9 | 30.9 |
| Due to Nepal Rastra Bank | 0.00 | 0.00 | -60.0 | -15.0 |
| Deposit from Customers | 179 | 50.1 | 48.5 | 146 |
| 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 |
| Receipt from Sale of Property and Equipment | 0.01 | 0.00 | 0.00 | 0.00 |
| 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 |
Figures from Jeevan Bikas Laghubitta Bittya Sanstha Ltd's quarterly reports, most recent quarter first.
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 |
Over the last 15 trading sessions JBLB closed between Rs. 1,255.00 and Rs. 1,300.00, finishing at Rs. 1,265.10 on 2026-11-02 against Rs. 1,270.00 on 2026-10-05.
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| 2026-11-02 | 1,270.00 | 1,280.00 | 1,265.10 | 1,265.10 | 5,251 |
| 2026-10-30 | 1,291.10 | 1,293.00 | 1,282.00 | 1,285.00 | 6,392 |
| 2026-10-29 | 1,300.00 | 1,305.00 | 1,285.10 | 1,297.00 | 3,146 |
| 2026-10-28 | 1,273.00 | 1,300.00 | 1,273.00 | 1,300.00 | 5,192 |
| 2026-10-27 | 1,273.00 | 1,295.00 | 1,260.00 | 1,283.00 | 4,506 |
| 2026-10-26 | 1,223.00 | 1,280.00 | 1,223.00 | 1,273.00 | 1,967 |
| 2026-10-16 | 1,280.00 | 1,290.00 | 1,275.00 | 1,285.00 | 2,339 |
| 2026-10-14 | 1,260.00 | 1,280.00 | 1,260.00 | 1,274.00 | 1,675 |
| 2026-10-13 | 1,255.00 | 1,260.00 | 1,250.50 | 1,260.00 | 2,735 |
| 2026-10-12 | 1,260.00 | 1,261.00 | 1,255.00 | 1,255.00 | 3,670 |
| 2026-10-09 | 1,259.00 | 1,270.00 | 1,258.00 | 1,268.00 | 2,865 |
| 2026-10-08 | 1,258.00 | 1,265.00 | 1,252.10 | 1,259.00 | 4,067 |
| 2026-10-07 | 1,258.00 | 1,270.00 | 1,255.10 | 1,258.00 | 2,919 |
| 2026-10-06 | 1,280.00 | 1,285.00 | 1,253.00 | 1,258.00 | 4,373 |
| 2026-10-05 | 1,271.00 | 1,277.00 | 1,267.00 | 1,270.00 | 3,009 |
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 | 190 |
| 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 |
At Rs. 1,265.10 on 2026-11-02, JBLB is down 0.62% over 1 week, down 1.01% over 1 month, up 0.24% over 3 months, down 2.61% over 6 months, up 0.50% over 1 year and down 22.82% 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 | -0.62% | 1,273.00 | 2026-10-26 |
| 1 month | -1.01% | 1,278.00 | 2026-10-02 |
| 3 months | +0.24% | 1,262.10 | 2026-08-04 |
| 6 months | -2.61% | 1,299.00 | 2026-05-06 |
| 1 year | +0.50% | 1,258.77 | 2025-11-02 |
| 5 years | -22.82% | 1,639.10 | 2021-11-03 |
JBLB traded 111 times on 2026-11-02, moving 5,251 shares for Rs. 0.67 crore of turnover. Trades went through between Rs. 1,242.00 and Rs. 1,280.00.
Largest buyers by volume: broker 32, Premier Securites Company Limited on 685 shares across 10 trades, broker 48, Trishakti Securities Public Limited on 647 shares across 12 trades, broker 58, Naasa Securities Co. Ltd. on 405 shares across 9 trades, broker 34, Vision Securities Pvt.Limited on 350 shares across 6 trades, broker 21, Midas Stock Broking Company Pvt. Limited on 314 shares across 4 trades, broker 52, Sundhara Securities Limited on 310 shares across 6 trades, broker 40, Creative Securities Pvt.Limited on 300 shares across 1 trades, broker 14, Nepal Stock House Pvt. Limited on 220 shares across 9 trades, broker 25, Sweta Securities Pvt. Limited on 205 shares across 2 trades and broker 37, Swarnalaxmi Securities Pvt.Limited on 200 shares across 4 trades.
Largest sellers by volume: broker 58, Naasa Securities Co. Ltd. on 1,206 shares across 25 trades, broker 41, Linch Stock Market Limited on 502 shares across 6 trades, broker 13, Thrive Brokerage House Pvt. Limited on 405 shares across 3 trades, broker 22, Siprabi Securities Pvt. Limited on 400 shares across 5 trades, broker 38, Dipshika Dhitopatra Karobar Co. Pvt.Limited on 359 shares across 6 trades, broker 50, Crystal Kanchenjunga Securities Pvt.Ltd on 288 shares across 3 trades, broker 48, Trishakti Securities Public Limited on 266 shares across 4 trades, broker 34, Vision Securities Pvt.Limited on 212 shares across 5 trades, broker 44, Dynamic Money Managers Securities Pvt.Ltd on 160 shares across 3 trades and broker 51, Oxford Securities Pvt.Ltd on 143 shares across 3 trades.
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.
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.
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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