Jyoti Bikas Bank Limited

Development BankMid Cap

NPR 336.00

NPR -2-0.59%

09:14 AM NPT · Jun 29, 2026

Est. 2065-04-09 B.S. (24 July 2008 A.D.) · Kamaladi, Kathmandu, Nepal · CEO: Kapil Dhakal

Jyoti Bikas Bank Limited is a national-level “B-class” development bank in Nepal, licensed by Nepal Rastra Bank (NRB). The bank began operations on 24 July 2008 (9 Shrawan 2065 B.S.). Originally established by a group that included employees of a public utility, businessmen, professionals, and ordinary citizens, its early focus included support for hydropower sector financing and wider development-banking services. Over the years, JBBL has grown substantially through expansion of branches, services, and even via mergers and acquisitions. Notably, it acquired several other development banks, which increased its paid-up capital, customer base, and overall size. Today, JBBL offers a broad spectrum of banking services including retail banking, corporate banking, deposits and savings, loans and advances, remittance, and other financial-service products serving both individual and institutional clients. JBBL describes itself as a bank committed to “customer-oriented quality services,” reflecting an emphasis on accessibility, transparency, and service breadth.Over time, it has also expanded its footprint across major urban and semi-urban centers via a network of branches, ATMs, and service counters aiming to reach a broad swath of Nepalese customers. As a publicly listed development bank on the Nepal Stock Exchange (NEPSE) under the ticker symbol "JBBL", its share data, paid-up capital, dividends, and market-performance metrics are publicly available providing transparency for shareholders and potential investors. In recent years, JBBL has also emphasized institutional strengthening and modernization: for example, during its16th anniversary celebration, the bank launched a revamped official website, enhanced online banking services, and introduced video-banking, QR-code services, aiming to improve ease of access and customer convenience. Overall, JBBL stands today as one of Nepal’s established development banks catering to retail and corporate clients, offering a variety of financial services, and continuing to expand its presence, capital base, and service quality across the country.

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Trading

Open

335.30

High

340.00

Low

333.00

Prev Close

338.00

Volume

27,449

Turnover

Rs 9,219,233.9

Txns

Valuation · Q3 FY25/26

EPS Ann.

19.09

EPS TTM

7.63

BVPS

163.43

P/E Ann.

17.60

P/E TTM

44.04

Graham #

264.95

Capital

Mkt Cap

14.77 Arab

Total

4.4 Crore

Public

2.15 Crore

Promoter

2.24 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Strong Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

ADX

52.88

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

349.78

SMA 50

357.16

Bands & Channels

BB Width %

8.42%

Volume & Flow

OBV

7,545,138

Flow Analysis

[ Live 2026-06-29 ]

Total Buy

109,540

Shares Bought

Total Sell

109,540

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 50%

Distribution 50%

Accumulators

Quantity

41,722

Amount

14,141,454

Avg Rate

338.94

Rank

Brokers

#53#69#4

Distributors

Quantity

41,739

Amount

14,134,700

Avg Rate

338.64

Rank

Brokers

#71#35#6#86

Net Flow Impact:

-17units

(Rs. 6,755)

Net Flow by Timeframe

JBBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 153,144 ]

Buy Side

Total: 75,769

Broker

QTY

AVG

NET

30,710

338.88

+29,604

28.0%

6,170

338.58

+3,847

5.6%

5,917

336.83

+5,917

5.4%

5,323

338.20

+4,970

4.9%

5,095

341.78

+5,073

4.7%

3,428

340.75

+2,774

3.1%

2,984

339.06

+1,984

2.7%

2,798

337.09

+51

2.5%

2,600

341.33

+1,435

2.4%

2,545

339.38

+1,656

2.3%

2,260

341.18

+1,022

2.1%

1,715

339.17

+1,615

1.6%

1,660

338.48

+1,550

1.5%

1,334

340.13

+428

1.2%

1,230

341.87

+1,030

1.1%

Sell Side

Total: 77,375

Broker

QTY

AVG

NET

23,700

339.18

-22,570

21.6%

11,721

338.41

-2,963

10.7%

6,545

335.22

-6,092

6.0%

6,285

336.11

-5,185

5.7%

5,209

343.56

-4,909

4.8%

3,670

336.90

-3,280

3.4%

3,407

336.45

-3,063

3.1%

2,509

339.94

-44

2.3%

2,243

341.62

-743

2.0%

2,238

342.38

-1,738

2.0%

2,075

341.27

-1,645

1.9%

2,050

340.00

-2,050

1.9%

2,010

340.60

-1,768

1.8%

1,946

338.68

-1,586

1.8%

1,767

341.54

-1,747

1.6%

Financial Fundamentals

Financial Metric	FY25/26 Q3	FY24/25 Q3	FY23/24 Q3	FY22/23 Q3	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	1,999,515	2,529,300	2,463,515	0	-20.95%
Money at Call & Short Notice	5,968,712	1,992,195	4,356,940	0	+199.60%
Due from NRB	2,580,237	1,992,195	3,356,940	0	+29.52%
Placement with B/FIs	3,388,475	0	1,000,000	0	-
Loans & Advances
Loans and Advances	50,666,450	47,796,166	53,896,753	0	+6.01%
Loans & Advances to B/FIs	2,677,452	2,607,138	3,165,364	0	+2.70%
Loans & Advances to Customers	47,988,998	45,189,028	50,731,389	0	+6.20%
Investments
Investment Securities	12,950,084	13,456,561	11,278,617	0	-3.76%
Investment in Subsidiaries	153,000	153,000	153,000	0	0.00%
Investment in Associates	0.00	0.00	0.00	0	-
Investment Property	1,019,299	635,788	160,779	0	+60.32%
Other Assets
Derivative Financial Instruments	0.00	0.00	0.00	0	-
Other Trading Assets	0.00	0.00	0.00	0	-
Current Tax Assets	200,830	181,435	112,016	0	+10.69%
Deferred Tax Assets	368,143	19,400	90,486	0	+1797.67%
Goodwill and Intangible Assets	10,473	16,598	20,120	0	-36.90%
Property & Equipment	1,602,900	1,555,760	735,898	0	+3.03%
Other Assets	2,037,784	1,117,635	989,296	0	+82.33%
Total Assets	76,397,743	69,236,404	74,034,799	0	+10.34%
Liabilities
Borrowings & Funding
Borrowings	3,124,034	2,939,888	4,010,739	0	+6.26%
Borrowing	0.00	0.00	0.00	0	-
Debt Securities Issued	1,493,495	1,492,424	1,491,675	0	+0.07%
Subordinated Liabilities	0.00	0.00	0.00	0	-
Interbank & NRB
Due to B/FIs	1,630,539	1,447,464	2,519,064	0	+12.65%
Due to NRB	0.00	0.00	0.00	0	-
Deposits	64,490,876	58,752,819	63,425,432	0	+9.77%
Other Liabilities
Provisions	0.00	0.00	0.00	0	-
Current Tax Liabilities	0.00	0.00	0.00	0	-
Deferred Tax Liabilities	0.00	0.00	0.00	0	-
Other Liabilities	1,598,745	866,366	699,460	0	+84.53%
Other Liabilities & Provisions	1,598,745	866,366	699,460	0	+84.53%
Total Liabilities	69,213,655	62,559,073	68,135,632	0	+10.64%
Equity
Paid Up Capital	4,395,786	4,395,786	4,395,786	0	0.00%
Share Premium	0.00	0.00	0.00	0	-
Reserves & Surpluses
Reserves	3,223,147	2,850,322	1,790,040	0	+13.08%
Reserves & Surpluses	2,788,302	2,281,545	1,503,381	0	+22.21%
Retained Earnings	-434,845	-568,777	-286,658	0	+23.55%
Non-Controlling Interest	0.00	0.00	0.00	0	-
Total Equity	7,184,088	6,677,331	5,899,167	0	+7.59%
Total Liabilities & Equity	76,397,743	69,236,404	74,034,799	0	+10.34%

Sector Peers — Development Bank (19)

Peer Comparison

Development Bank SECTOR — NEPAL

2025/2026 Q3

NPR/Millions

Statement

Highlight

TICKER	Market				Key Ratios
	Price	Chg	Chg%	Mkt Cap (M)	Asset Turnover	Book Value Per Share	C/D Ratio%	Debt to Equity	EPS (Annualized)	EPS (TTM)	Graham's Number	Interest Rate Spread	Net Interest Margin	Net Profit Margin	NPL%	P/B	P/E (Annualized)	PEG	P/E (TTM)	P/S	ROA (Annualized)	ROA (TTM)%	ROE (Annualized)	ROE (TTM)%
CORBL	1,680	-33.94	-1.98%	0.01	0.07	139.27	58.82%	3.34	12.26	2.68	91.64	4.57	6.71	29.16	6.36%	17.45	148.69	0.94	733.62	77.12	2.17	0.47%	8.64	1.89%
EDBL	559.7	+4.11	+0.74%	0.01	0.06	184	76.86%	7.79	16.61	16.24	259.29	4.57	4.28	18.31	6.59%	4.27	35.44	0.01	36.22	11.53	1.09	1.07%	9.59	9.37%
GBBL	402	-3.81	-0.94%	0.02	0.07	167.58	87.15%	9.73	23.21	26.99	319.01	4.13	4.68	18.73	4.77%	3.29	17.79	0.52	15.41	5.92	1.35	1.57%	14.85	17.28%
GBLBSP	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GRDBL	1,023	-25.05	-2.39%	0.01	0.07	116.8	85.44%	8.48	7.63	13.54	188.63	4.17	4.43	9.47	4.32%	12.1	138.93	2.62	78.66	23.4	0.68	1.22%	6.87	12.19%
KRBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-82.82	-	-	-	-	-
KSBBL	472	-2.99	-0.63%	0.02	0.07	158.28	87.33%	10.09	18.64	17.35	248.57	4.11	4.39	15.05	4.4%	4.09	26.03	-	28.3	6.97	1.08	1.01%	12.65	11.78%
LBBL	477	-2.88	-0.6%	0.02	0.07	205.4	87.11%	7.88	20.67	24.61	337.25	4.08	4.11	16.23	6.49%	3.22	24	0.02	20.32	6.93	1.12	1.34%	10.71	12.76%
MDB	582.9	-4.11	-0.7%	0.01	0.07	139.36	85.76%	5.12	10.54	11.02	185.89	4.25	4	19.48	0.48%	5.95	59	14.53	56.3	20.44	1.4	1.46%	7.6	7.94%
MLBL	353	-1.92	-0.54%	0.02	0.07	162.01	87.89%	7.6	13.59	11.75	206.96	4.24	4.81	13.92	6.59%	3.09	27.62	90.13	31.28	6.83	0.97	0.84%	8.55	7.38%
MNBBL	365	-1.91	-0.52%	0.03	0.07	155.09	85.21%	9.87	15.71	21.94	276.7	4.48	4.6	13	4.88%	3.26	24.12	1.64	17.09	5.58	0.95	1.33%	10.67	14.89%
MTBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NABBC	780.1	-7.88	-1%	0	0.04	32.98	56.77%	2.97	-12.64	-11.86	-	4.5	-2.52	-304.8	59.37%	47.42	-92.8	-	-77.31	502.89	-10.84	-10.17%	-59.8	-56.1%
SABBL	969.4	-6.64	-0.68%	0.01	0.08	103.75	71.21%	2.81	-0.81	1.39	56.96	4.58	6.2	-2.82	3.35%	20.69	-1,987.65	-	852.52	99.38	-0.21	0.38%	-0.93	1.61%
SADBL	399.9	-3.1	-0.77%	0.02	0.07	158.79	83.84%	9.82	17.3	15.73	237.06	4.32	4.63	14.24	7.87%	3.57	24.57	3.87	26.7	6.22	1	0.91%	11.37	10.34%
SAPDBL	798	-16.04	-1.97%	0.01	0.06	72.9	71.87%	14.61	9.43	19.59	179.26	3.99	3.59	15.19	7.6%	15.69	90.99	0.29	43.29	24.58	0.88	1.84%	12.55	26.07%
SHBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SHINE	400	-4	-0.99%	0.02	0.07	153.05	85.75%	10	20.93	19.18	257	4.09	4.36	17.62	4.92%	3.6	19.73	0.41	21.74	6.18	1.29	1.19%	14.11	12.93%
SINDU	704	-5.03	-0.71%	0	0.06	91.3	66.04%	11.2	-7.91	1.2	49.65	4.58	3.84	-11.27	7.92%	11.07	-95.85	-	628.33	19.21	-0.72	0.1%	-9.24	1.4%

AVG	664.4	-7.68	-0.91%	0.01	0.067	136.04	78.47%	8.09	11.01	12.76	206.71	4.31	4.14	-7.9	9.06%	10.584	-102.63	10.453	151.853	54.879	0.15	0.3%	3.88	6.12%
MED	559.7	-4	-0.71%	0.01	0.07	153.05	85.21%	8.48	13.59	15.73	222.01	4.25	4.39	15.05	6.36%	4.27	24.57	0.94	29.79	11.53	1	1.07%	9.59	10.34%
MAX	1,680	4.11	0.74%	0.03	0.08	205.4	87.89%	14.61	23.21	26.99	337.25	4.58	6.71	29.16	59.37%	47.42	148.69	90.13	852.52	502.89	2.17	1.84%	14.85	26.07%
MIN	353	-33.94	-2.39%	0	0.04	32.98	56.77%	2.81	-12.64	-11.86	49.65	3.99	-2.52	-304.8	0.48%	3.09	-1,987.65	0.01	-82.82	5.58	-10.84	-10.17%	-59.8	-56.1%