Jyoti Bikas Bank Limited

Development BankMid Cap

NPR 340.00

NPR -3-0.87%

09:14 AM NPT · Aug 7, 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

350.00

High

350.00

Low

338.00

Prev Close

343.00

Volume

31,771

Turnover

Rs 10,825,745.1

Txns

Valuation · Q3 FY25/26

EPS Ann.

19.09

EPS TTM

7.63

BVPS

163.43

P/E Ann.

17.81

P/E TTM

44.56

Graham #

264.95

Capital

Mkt Cap

14.95 Arab

Total

4.4 Crore

Public

2.15 Crore

Promoter

2.24 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Sell

RSI

Buy

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Weak

Momentum

RSI (14)

36.07

ADX

18.3

Overall Score

Below Line

Technical Score

Moving Averages

SMA 20

347.06

SMA 50

346.93

Bands & Channels

BB Width %

8.61%

Volume & Flow

OBV

7,550,305

Flow Analysis

[ Live 2026-08-07 ]

Total Buy

182,151

Shares Bought

Total Sell

182,151

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 49%

Distribution 51%

Accumulators

Quantity

62,008

Amount

21,433,048

Avg Rate

345.65

Rank

Brokers

#58#18#35#25

Distributors

Quantity

64,763

Amount

22,327,043

Avg Rate

344.75

Rank

Brokers

#51#77#56#33

Net Flow Impact:

-2,755units

(Rs. -893,996)

Net Flow by Timeframe

JBBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 258,528 ]

Buy Side

Total: 123,508

Broker

QTY

AVG

NET

27,870

344.64

+26,338

15.3%

14,791

344.60

+7,088

8.1%

12,689

346.95

+12,664

7.0%

11,128

345.19

+11,008

6.1%

10,321

347.27

+10,068

5.7%

8,125

341.43

+4,995

4.5%

7,132

343.30

+5,155

3.9%

5,953

344.17

+4,596

3.3%

3,934

343.03

+3,619

2.2%

3,888

346.39

+3,343

2.1%

3,750

349.24

+3,750

2.1%

3,629

344.44

+2,322

2.0%

3,583

341.08

+1,857

2.0%

3,381

344.35

+2,309

1.9%

3,334

343.11

+2,780

1.8%

Sell Side

Total: 135,020

Broker

QTY

AVG

NET

26,516

345.02

-26,416

14.6%

17,373

341.45

-17,373

9.5%

11,000

348.76

-8,500

6.0%

9,874

345.37

-8,581

5.4%

8,876

339.79

-8,243

4.9%

8,855

342.16

-709

4.9%

8,848

344.92

-8,385

4.9%

7,200

346.83

-5,197

4.0%

6,054

342.39

-5,357

3.3%

5,900

344.00

-3,190

3.2%

5,728

343.53

-5,728

3.1%

5,451

340.86

-3,951

3.0%

4,890

344.44

-390

2.7%

4,290

344.28

-2,334

2.4%

4,165

344.73

-3,085

2.3%

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	1,065	+39.98	+3.9%	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	584	-3.88	-0.66%	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	419	-2.02	-0.48%	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	1,049	+1.15	+0.11%	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	473.6	+1.6	+0.34%	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	491.9	+0.88	+0.18%	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	578.2	+0.17	+0.03%	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	350.9	-3.4	-0.96%	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	366.3	-3.21	-0.87%	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	825.4	-17.62	-2.09%	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	979	-6.01	-0.61%	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	408.4	-0.61	-0.15%	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	839.9	+22.88	+2.8%	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	407.2	-0.98	-0.24%	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	691	-9.03	-1.29%	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	635.25	1.33	0%	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	578.2	-0.98	-0.24%	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	1,065	39.98	3.9%	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	350.9	-17.62	-2.09%	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%