Jyoti Bikas Bank Limited

Development BankMid Cap

NPR 354.50

NPR +2.5+0.71%

09:06 AM NPT · Nov 6, 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

355.90

High

355.90

Low

351.10

Prev Close

352.00

Volume

27,926

Turnover

Rs 9,839,238.7

Txns

Valuation · Q4 FY25/26

EPS Ann.

22.88

EPS TTM

22.88

BVPS

170.97

P/E Ann.

15.49

P/E TTM

15.49

Graham #

296.67

Capital

Mkt Cap

15.58 Arab

Total

4.4 Crore

Public

2.15 Crore

Promoter

2.24 Crore

NEPSE Chart

Technical Analysis

Indicator Signals

MACD

Buy

RSI

Neutral

SuperTrend

Strong Buy

Trend Analysis

Direction

Uptrend

Strength

Very Strong

Momentum

RSI (14)

54.47

ADX

45.61

Overall Score

100

Above Line

Technical Score

Moving Averages

SMA 20

349.82

SMA 50

342.67

Bands & Channels

BB Width %

10.08%

Volume & Flow

OBV

7,421,733

Flow Analysis

[ Live 2026-11-06 ]

Total Buy

432,185

Shares Bought

Total Sell

432,185

Shares Sold

Net Flow

Net Accumulation

Active Brokers

Participating

ACCUM/DIST

Accumulation 55%

Distribution 45%

Accumulators

Quantity

288,097

Amount

104,292,643

Avg Rate

362.01

Rank

Brokers

#65#22#94#42

Distributors

Quantity

239,936

Amount

86,848,805

Avg Rate

361.97

Rank

Brokers

#58#49#59#14#71

Net Flow Impact:

+48,161units

(Rs. 17,443,838)

Net Flow by Timeframe

JBBL — Broker Breakdown (7D)

15 Buyers15 Sellers

[ Vol: 662,278 ]

Buy Side

Total: 342,486

Broker

QTY

AVG

NET

140,263

361.79

+137,533

32.5%

92,886

361.85

+52,833

21.5%

32,646

363.53

+32,493

7.5%

22,302

361.81

+16,184

5.2%

9,751

361.98

+2,849

2.3%

9,317

360.60

+4,749

2.2%

6,922

357.70

+6,252

1.6%

6,911

361.92

+6,811

1.6%

4,666

360.41

+2,217

1.1%

4,550

361.51

+542

1.1%

3,100

364.19

+2,600

0.7%

2,482

357.34

+1,557

0.6%

2,340

352.48

+244

0.5%

2,200

355.03

+450

0.5%

2,150

360.13

+2,138

0.5%

Sell Side

Total: 319,792

Broker

QTY

AVG

NET

175,728

361.64

-165,370

40.7%

28,993

363.89

-16,782

6.7%

13,740

357.22

-9,477

3.2%

13,410

364.53

-8,941

3.1%

12,559

361.35

-11,564

2.9%

11,496

362.30

-11,034

2.7%

11,160

362.48

-10,500

2.6%

11,105

359.65

-2,909

2.6%

8,649

361.31

-8,365

2.0%

7,009

364.65

-5,267

1.6%

7,000

360.13

-1,900

1.6%

5,163

356.12

-1,713

1.2%

4,910

354.49

-4,290

1.1%

4,844

358.43

-1,610

1.1%

4,026

363.61

-4,026

0.9%

Financial Fundamentals

Financial Metric	FY25/26 Q4	FY24/25 Q4	FY23/24 Q4	FY22/23 Q4	Growth %
Assets
Cash & Liquidity
Cash & Cash Equivalent	2,241,081	3,045,906	3,355,267	0	-26.42%
Money at Call & Short Notice	7,392,532	2,561,867	2,297,687	0	+188.56%
Due from NRB	2,697,807	2,561,867	2,297,687	0	+5.31%
Placement with B/FIs	4,694,725	0	0	0	-
Loans & Advances
Loans and Advances	51,884,886	48,265,773	52,307,370	0	+7.50%
Loans & Advances to B/FIs	2,300,893	3,199,319	3,127,872	0	-28.08%
Loans & Advances to Customers	49,583,993	45,066,454	49,179,498	0	+10.02%
Investments
Investment Securities	12,182,193	12,667,083	14,729,873	0	-3.83%
Investment in Subsidiaries	153,000	153,000	153,000	0	0.00%
Investment in Associates	0.00	0.00	0.00	0	-
Investment Property	937,639	1,032,463	692,457	0	-9.18%
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	161,237	409,096	15,141	0	-60.59%
Deferred Tax Assets	387,440	0	0	0	-
Goodwill and Intangible Assets	8,916	15,302	20,064	0	-41.74%
Property & Equipment	1,592,563	1,786,129	1,621,486	0	-10.84%
Other Assets	1,527,157	1,767,955	1,220,952	0	-13.62%
Total Assets	77,911,051	71,280,176	76,378,091	0	+9.30%
Liabilities
Borrowings & Funding
Borrowings	2,061,064	2,849,075	3,201,027	0	-27.66%
Borrowing	0.00	0.00	0.00	0	-
Debt Securities Issued	1,494,138	1,493,243	1,492,424	0	+0.06%
Subordinated Liabilities	0.00	0.00	0.00	0	-
Interbank & NRB
Due to B/FIs	566,926	1,355,832	1,708,602	0	-58.19%
Due to NRB	0.00	0.00	0.00	0	-
Deposits	67,229,292	60,482,530	65,848,219	0	+11.15%
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	49040.20	72749.60	0	-100.00%
Other Liabilities	1,105,141	1,356,739	881,979	0	-18.54%
Other Liabilities & Provisions	1,105,141	1,405,779	954,728	0	-21.39%
Total Liabilities	70,395,497	64,737,384	70,003,973	0	+8.74%
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	2,975,404	2,927,461	2,383,625	0	+1.64%
Reserves & Surpluses	3,119,768	2,147,005	1,978,332	0	+45.31%
Retained Earnings	144,364	-780,455	-405,293	0	+118.50%
Non-Controlling Interest	0.00	0.00	0.00	0	-
Total Equity	7,515,554	6,542,791	6,374,118	0	+14.87%
Total Liabilities & Equity	77,911,051	71,280,176	76,378,091	0	+9.30%

Sector Peers — Development Bank (19)

Peer Comparison

Development Bank SECTOR — NEPAL

2025/2026 Q4

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)	P/E (TTM)	P/S	ROA (Annualized)	ROA (TTM)%	ROE (Annualized)	ROE (TTM)%
CORBL	762	-1.99	-0.26%	0	0.07	139.73	58.14%	3.55	9.54	9.54	173.19	4.57	5.24	24.24	6.24%	11.43	167.35	86.37	40.55	1.61	1.61%	6.91	6.91%
EDBL	568.9	-1.08	-0.19%	0.01	0.06	177.85	73.5%	8.6	24.76	24.76	314.77	4.55	4.84	25.48	4.57%	3.16	22.67	23.58	5.78	1.52	1.52%	14.34	14.34%
GBBL	411.7	+0.7	+0.17%	0.03	0.07	177.26	86.14%	9.59	28.04	28.04	334.41	4.04	4.67	22.5	4.76%	2.28	14.4	16.23	3.24	1.55	1.55%	16.88	16.88%
GBLBSP	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
GRDBL	934.9	+24.93	+2.74%	0.01	0.07	122.83	84.95%	8.58	11.76	11.76	180.28	4.57	4.61	14.23	3.22%	8.46	88.34	85.2	12.58	1	1%	9.97	9.97%
KRBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-82.82	-	-	-	-	-
KSBBL	481	+3.72	+0.78%	0.02	0.07	165.11	86.34%	9.88	21.23	21.23	280.84	3.98	4.32	17.21	3.77%	2.87	22.33	21.54	3.84	1.21	1.21%	13.9	13.9%
LBBL	527	+5.01	+0.96%	0.02	0.07	213.73	86.63%	7.77	23.48	23.48	336.03	3.76	4.15	18.5	6.94%	2.26	20.59	21	3.81	1.25	1.25%	11.55	11.55%
MDB	570	+3.4	+0.6%	0.01	0.07	143.2	81.39%	5.15	11.6	11.6	193.33	4.37	4.26	20.94	0.26%	4.06	50.17	48.88	10.51	1.48	1.48%	8.16	8.16%
MLBL	373	-1.8	-0.48%	0.02	0.07	165.42	86.82%	7.72	13.96	13.96	227.94	4.19	4.65	14.52	6.32%	2.09	24.79	26.11	3.6	0.96	0.96%	8.63	8.63%
MNBBL	344	+0.89	+0.26%	0.03	0.07	161.82	83.86%	9.9	18.98	18.98	262.88	4.55	4.68	15.65	4.77%	2.24	19.12	17.7	2.99	1.09	1.09%	12.18	12.18%
MTBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NABBC	663	+0.99	+0.15%	0	0.03	29.47	49.34%	4	-10.25	-10.25	-	3.76	-1.82	-235.15	48.49%	26.98	-77.56	-78.54	182.34	-7.94	-7.94%	-47.61	-47.61%
SABBL	795	-6.98	-0.87%	0	0.07	103.52	63.31%	3.04	1.46	1.46	58.31	4.58	5.49	5.45	0.35%	8.07	571.92	614.38	31.26	0.38	0.38%	1.67	1.67%
SADBL	393.9	+1.88	+0.48%	0.02	0.07	169.5	83.37%	9.43	23.83	23.83	301.47	4.14	5.14	18.63	6.87%	2.38	16.95	17.65	3.16	1.37	1.37%	14.95	14.95%
SAPDBL	564	+7.02	+1.26%	0	0.06	86.71	67.63%	12.98	18.04	18.04	187.6	4.2	4.02	27.26	2.15%	8.42	40.47	34.7	11.04	1.62	1.62%	23.84	23.84%
SHBL	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
SHINE	408.3	-3.5	-0.85%	0.02	0.07	159.48	84.18%	9.95	23.52	23.52	290.51	4.01	4.41	19.65	4.93%	2.6	17.64	18.28	3.47	1.4	1.4%	15.34	15.34%
SINDU	406	+2.1	+0.52%	0	0.06	96.87	66.92%	10.36	0.18	0.18	19.81	4.59	4.08	0.25	5.92%	6.92	3,722.22	2,361.11	9.54	0.01	0.01%	0.19	0.19%

AVG	546.85	2.35	0.35%	0.01	0.065	140.83	76.17%	8.03	14.68	14.68	225.81	4.26	4.18	0.62	7.3%	6.281	314.76	201.961	21.847	0.57	0.57%	7.39	7.39%
MED	527	0.99	0.26%	0.01	0.07	159.48	83.37%	8.6	18.04	18.04	245.41	4.2	4.61	18.5	4.77%	3.16	22.67	22.56	5.78	1.25	1.25%	11.55	11.55%
MAX	934.9	24.93	2.74%	0.03	0.07	213.73	86.82%	12.98	28.04	28.04	336.03	4.59	5.49	27.26	48.49%	26.98	3,722.22	2,361.11	182.34	1.62	1.62%	23.84	23.84%
MIN	344	-6.98	-0.87%	0	0.03	29.47	49.34%	3.04	-10.25	-10.25	19.81	3.76	-1.82	-235.15	0.26%	2.09	-77.56	-82.82	2.99	-7.94	-7.94%	-47.61	-47.61%