Jyoti Bikas Bank Limited

Development BankMid Cap

NPR 358.00

NPR -8-2.19%

09:14 AM NPT · May 12, 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

369.00

High

369.00

Low

357.50

Prev Close

366.00

Volume

67,191

Turnover

Rs 24,196,499

Txns

183

Valuation · Q2 FY25/26

EPS Ann.

14.16

EPS TTM

1.67

BVPS

155.09

P/E Ann.

25.28

P/E TTM

214.37

Graham #

222.29

Capital

Mkt Cap

15.74 Arab

Total

4.4 Crore

Public

2.15 Crore

Promoter

2.24 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Strong Sell

RSI

Buy

SuperTrend

Strong Sell

Trend Analysis

Direction

Uptrend

Strength

Moderate

Momentum

RSI (14)

36.79

ADX

22.27

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

366.63

SMA 50

367

Bands & Channels

BB Width %

10.59%

Volume & Flow

OBV

7,871,268

Flow Analysis

[ Live 2026-05-12 ]

Total Buy

216,426

Shares Bought

Total Sell

216,426

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 46%

Distribution 54%

Accumulators

Quantity

79,838

Amount

28,390,488

Avg Rate

355.60

Rank

Brokers

#28#39#41#17#53

Distributors

Quantity

94,939

Amount

33,795,150

Avg Rate

355.97

Rank

Brokers

#58#44#48#38

Net Flow Impact:

-15,101units

(Rs. -5,404,662)

Net Flow by Timeframe

JBBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 281,623 ]

Buy Side

Total: 139,338

Broker

QTY

AVG

NET

26,069

356.33

+13,711

12.1%

17,521

357.21

+8,008

8.1%

16,000

353.03

+15,705

7.4%

13,449

352.78

+12,577

6.2%

9,580

358.84

+1,211

4.4%

8,250

361.30

+3,365

3.8%

7,457

356.00

+4,607

3.5%

7,040

358.58

+5,463

3.3%

6,799

360.26

+6,749

3.1%

4,985

357.70

+4,985

2.3%

4,756

360.30

+3,969

2.2%

4,524

358.14

+3,390

2.1%

4,480

354.08

+3,340

2.1%

4,328

360.39

+2,976

2.0%

4,100

360.38

+3,620

1.9%

Sell Side

Total: 142,285

Broker

QTY

AVG

NET

63,819

354.48

-56,132

29.5%

14,262

359.35

-13,862

6.6%

9,235

359.41

-4,874

4.3%

9,170

356.96

-8,096

4.2%

7,688

360.89

-7,274

3.5%

6,078

358.05

-3,778

2.8%

4,918

360.73

-23

2.3%

4,178

358.35

-3,578

1.9%

4,065

362.73

-3,335

1.9%

3,840

363.65

-3,490

1.8%

3,450

355.82

-450

1.6%

3,289

355.00

-984

1.5%

3,245

354.96

-2,705

1.5%

2,610

355.53

-2,580

1.2%

2,438

359.28

-935

1.1%

Financial Fundamentals

Financial Metric	FY25/26 Q2	FY24/25 Q2	FY23/24 Q2	FY22/23 Q2	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	4,230,300,810	2,354,100,326	2,455,766,098	5,978,580,851	+79.70%
Money at Call & Short Notice	2,723,608,055	3,154,581,853	2,966,363,656	2,216,824,987	-13.66%
Due from NRB	2,623,608,055	3,154,581,853	2,366,363,656	2,216,824,987	-16.83%
Placement with B/FIs	100,000,000	0	600,000,000	0	-
Loans & Advances
Loans and Advances	50,330,343,680	49,109,052,851	53,883,208,830	52,120,356,309	+2.49%
Loans & Advances to B/FIs	2,744,680,039	2,888,519,289	3,073,499,660	3,619,927,674	-4.98%
Loans & Advances to Customers	47,585,663,641	46,220,533,562	50,809,709,170	48,500,428,635	+2.95%
Investments
Investment Securities	12,867,048,915	13,783,524,983	11,462,247,712	7,110,350,398	-6.65%
Investment in Subsidiaries	85,085,812	153,000,000	153,000,000	153,000,000	-44.39%
Investment in Associates	153,000,000	0	0	0	-
Investment Property	772,381,901	697,787,621	160,779,118	202,832,391	+10.69%
Other Assets
Derivative Financial Instruments	0.00	0.00	0.00	0.00	-
Other Trading Assets	0.00	0.00	0.00	0.00	-
Current Tax Assets	0.00	44007200.00	131392832.00	139713234.00	-100.00%
Deferred Tax Assets	285,734,700	43,027,545	90,864,599	64,773,552	+564.07%
Goodwill and Intangible Assets	12,835,129	18,219,626	14,771,359	16,119,049	-29.55%
Property & Equipment	1,759,371,178	1,569,620,085	715,133,962	525,769,432	+12.09%
Other Assets	710,890,121	916,047,385	874,304,324	724,041,876	-22.40%
Total Assets	73,930,600,301	71,842,969,474	72,907,832,489	69,252,362,079	+2.91%
Liabilities
Borrowings & Funding
Borrowings	2,537,012,049	3,078,559,051	5,976,330,236	6,978,017,677	-17.59%
Borrowing	0.00	0.00	0.00	0.00	-
Debt Securities Issued	1,493,494,702	1,492,424,184	1,491,674,943	1,500,000,000	+0.07%
Subordinated Liabilities	0.00	0.00	0.00	0.00	-
Interbank & NRB
Due to B/FIs	1,043,517,347	1,586,134,867	4,484,655,293	4,278,017,677	-34.21%
Due to NRB	0.00	0.00	0.00	1200000000.00	-
Deposits	63,616,336,849	61,351,824,039	60,225,023,015	55,803,807,485	+3.69%
Other Liabilities
Provisions	0.00	0.00	0.00	0.00	-
Current Tax Liabilities	0.00	0.00	0.00	0.00	-
Deferred Tax Liabilities	0.00	0.00	0.00	0.00	-
Other Liabilities	989,704,745	846,866,610	859,594,926	781,475,743	+16.87%
Other Liabilities & Provisions	989,704,745	846,866,610	859,594,926	781,475,743	+16.87%
Total Liabilities	67,143,053,643	65,277,249,700	67,060,948,177	63,563,300,905	+2.86%
Equity
Paid Up Capital	4,395,785,886	4,395,785,886	4,395,785,886	4,267,753,287	0.00%
Share Premium	0.00	0.00	0.00	0.00	-
Reserves & Surpluses
Reserves	3,194,367,329	2,611,003,199	1,699,593,547	1,398,617,629	+22.34%
Reserves & Surpluses	2,421,760,771	2,169,933,888	1,451,098,427	1,421,307,887	+11.61%
Retained Earnings	-772,606,558	-441,069,311	-248,495,120	22,690,258	-75.17%
Non-Controlling Interest	0.00	0.00	0.00	0.00	-
Total Equity	6,817,546,657	6,565,719,774	5,846,884,312	5,689,061,174	+3.84%
Total Liabilities & Equity	73,960,600,300	71,842,969,474	72,907,832,489	69,252,362,079	+2.95%

Sector Peers — Development Bank (19)

Peer Comparison

Development Bank SECTOR — NEPAL

2025/2026 Q2

NPR/Millions

Statement

Highlight

TICKER	Market				Key Ratios
	Price	Chg	Chg%	Mkt Cap (M)	Asset Turnover	BVPS	C/D Ratio%	EPS (Annu.)	EPS (TTM)	Graham's No.	Int. Rate Spread%	NIM%	NPL%	NPM%	P/B	P/E (Annu.)	PEG	P/E (Latest)	P/E (TTM)	P/S	ROA (Annu.)%	ROA (TTM)%	ROE (Annu.)%	ROE (TTM)%
CORBL	2,002.1	-83.86	-4.02%	0.01	0.07	135.79	70.07%	4.93	-2.7	-	4.56%	5.16%	9.79%	12.88%	22.83	314.4	15.9	326.57	-596.3	161.96	0.94%	-0.51%	3.46%	-1.89%
EDBL	579.1	-7.51	-1.28%	0.01	0.06	177.95	75.87%	14.17	17.6	265.46	4.57%	4.28%	7.07%	15.58%	6.73	42.27	0.21	41.64	33.52	26.36	0.94%	1.18%	8.42%	10.48%
GBBL	418	-2.02	-0.48%	0.03	0.08	159.59	85.15%	21.1	23.19	288.57	4.59%	4.9%	4.78%	16.52%	4.92	18.62	2.04	18.6	16.93	12.31	1.24%	1.36%	14%	15.39%
GBLBSP	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GRDBL	1,042	-16.94	-1.6%	0.01	0.07	112.86	83.15%	3.58	11.65	172	3.92%	4.2%	4.2%	4.36%	19.67	310.03	28.63	300.28	92.27	54.21	0.32%	1.06%	3.3%	10.76%
KRBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-51.36	-82.82	-	-	-	-	-
KSBBL	480	-5	-1.03%	0.02	0.08	158.07	86.77%	20.43	18.32	255.26	4.17%	4.5%	4.1%	14.78%	5.72	22.12	1.99	22.3	24.87	13.09	1.1%	1%	13.56%	12.16%
LBBL	484.9	-7.98	-1.62%	0.02	0.07	190.2	85.98%	15.75	14.29	247.29	3.98%	3.98%	0%	12.08%	5.22	31.52	0.32	30.1	33.17	15.23	0.84%	0.77%	8.46%	7.68%
MDB	600	-5.02	-0.83%	0.01	0.07	135.98	84.37%	9.37	13.27	201.49	4.36%	4.06%	0.45%	17.57%	8.83	64.06	0.55	66.06	46.65	45.04	1.24%	1.78%	6.96%	9.88%
MLBL	368	-5.98	-1.6%	0.02	0.14	165.48	85.3%	14.24	7.13	162.93	4.37%	4.94%	6.1%	13.54%	4.45	25.84	7.66	25.57	51.07	13.99	1.92%	0.96%	17.18%	8.6%
MNBBL	374.2	-1.62	-0.43%	0.03	0.08	151.35	86.59%	16.8	21.33	269.51	4.59%	4.76%	3.75%	13.38%	4.61	20.79	1.21	21.37	16.83	11.13	1.02%	1.3%	11.66%	14.8%
MTBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NABBC	1,018	-36.05	-3.42%	0.01	0.03	28.9	65.88%	-19.16	-13.62	-	4.5%	-3.2%	57.48%	-473.75%	92.87	-70.04	0	-74.01	-104.11	1,328.71	-15.3%	-10.88%	-95.72%	-68.04%
SABBL	1,260	-49.91	-3.81%	0.01	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-
SADBL	414	-7.89	-1.87%	0.02	0.07	153.24	83.55%	16.21	17.22	243.67	4.57%	4.72%	6.87%	12.94%	5.28	24.95	0.61	25.42	23.93	12.93	0.94%	1.01%	11.1%	11.8%
SAPDBL	791	-14.09	-1.75%	0.01	0.06	75.96	77%	6.43	15.98	165.26	3.84%	3.84%	8.29%	10.2%	21.84	129	0.67	126.59	50.94	52.65	0.6%	1.53%	8.4%	20.9%
SHBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SHINE	411.5	-1.98	-0.48%	0.02	0.07	146.6	84.77%	16.1	15.17	223.69	4.19%	4.22%	4.75%	13.73%	5.5	25.04	1.34	25.06	26.6	13.76	1%	0.95%	11.24%	10.6%
SINDU	707	-4.98	-0.7%	0	0.06	94.19	64.35%	-5.55	9.7	143.38	4.59%	3.36%	6.39%	-7.98%	15.19	-128.88	0	-131.71	75.36	41.16	-0.48%	0.85%	-6.6%	11.55%

AVG	729.99	-16.72	-1.66%	0.01	0.072	134.73	79.91%	9.6	12.04	219.88	4.34%	3.84%	8.86%	-23.16%	15.976	59.266	3.821	48.28	-18.193	128.752	-0.26%	0.17%	1.1%	5.33%
MED	579.1	-7.51	-1.6%	0.01	0.07	148.98	83.96%	14.21	14.73	233.68	4.44%	4.25%	5.44%	13.16%	6.225	25.44	0.64	25.24	25.735	20.795	0.94%	1.01%	8.44%	10.68%
MAX	2,002.1	-1.62	-0.43%	0.03	0.14	190.2	86.77%	21.1	23.19	288.57	4.59%	5.16%	57.48%	17.57%	92.87	314.4	28.63	326.57	92.27	1,328.71	1.92%	1.78%	17.18%	20.9%
MIN	368	-83.86	-4.02%	0	0.03	28.9	64.35%	-19.16	-13.62	143.38	3.84%	-3.2%	0%	-473.75%	4.45	-128.88	0	-131.71	-596.3	11.13	-15.3%	-10.88%	-95.72%	-68.04%