Jyoti Bikas Bank Ltd.(JBBL)

Kathmandu Plaza, KTM, Nepal; Ph: 01-4168605/606/607

RTS: Global IME Capital Limited
As on

Rs.
,
Tran.
Volume
Amount
  Buy  Sell  Hold

Financial Highlights (3rd quarter, 2074/075)

Earning Per Share
11.43
Net Asset Per Share
740.09
Net Worth Per Share
116.35
Paid up Capital(Rs in '000')
2593609
Reserve and Surplus(Rs in '000')
423939
Operating Profit(Rs in '000')
341316
Net Profit(Rs in '000')
222410
Price Earning Ratio
12.51
Liquidity Ratio
25.81
Fiscal YearBonus ShareCash Dividend
Sector
Development Bank
Operation Date
NA
Listed Status
Yes
Face Value
100
Listed Share
22086342
Market Capitalization

Jyoti Bikash Bank Ltd. (JBBL) is a National Level Development Bank licensed by Nepal Rastra Bank and has started its operation from 9th Shrawan 2065 ( 24 July, 2008). JBBL is established with a primary focus on financing for the development of Hydropower and Infrastructure and providing banking facilities to the general public for various purposes. JBBL aims to serve wide range of customers with its unique customer- oriented quality services.

Contact Information
Address
Kathmandu Plaza, KTM, Nepal
Phone
01-4168605/606/607
E-Mail
info@jbbl.com.np
In Thousands4th Quarter3rd Quarter2nd Quarter1st Quarter
(except for per share items)2073/0742073/0742073/0742073/074
Share Capital 2129053 1101941 1101941 987026
Reserve Surplus 461414 340094 282868 307208
Noncontrolling Interest - - - -
Debenture Bond 0 - - -
Loans Borrowing 0 - 170000 -
Deposit Liability 10516017 9352589 9129062 7947965
Domestic Currency 10512131 9351995 9129062 7947364
Foreign Currency 3886 594 - 601
Bills Payable - - - -
Proposed Dividend - - - -
Income Tax Liability 0 3660 13972 13923
Other Liabilities 275041 273189 299675 373983
Non Controlling interest - - - -
Total Liabilities 13381525 11071473 10997518 9630105
Cash Balance 683576 575824 577424 550060
Balance with NRB - - - -
Balance with Banks or Financial Institutions - - - -
Money at call and Short Notice 2767800 1346585 1492445 1279217
Investments 569483 518261 505506 481551
Loan Advances 9138221 8384742 8017619 6767682
Real Estate Loan 596861 557054 505700 233150
Residential Real Estate Loan 27767 13449 13628 7897
Business Complex and Residential Apartment Construction Loan 33874 34358 34635 34882
Income Generating Commerical Complex Loan 0 - - -
Other Real Estate Loan 535220 509247 457437 190262
Personal Home Loan of Ten Million or Less 709449 730603 733970 680481
Margin Type Loan 675572 642242 676446 451063
Term Loan 1263820 1066316 1138367 1006738
Overdraf or TR Loan or WC Loan 2676988 2558275 2434098 2158643
Other 3215531 2830252 2529038 2237606
Fixed Assets 82240 72912 73012 63470
Non Banking Assets 11606 4570 4572 36815
Other Assets 128599 168579 326940 451310
Total Assets 13381525 11071473 10997518 9630105
In Thousands
Share Capital
Reserve Surplus
Noncontrolling Interest
Debenture Bond
Loans Borrowing
Deposit Liability
Domestic Currency
Foreign Currency
Bills Payable
Proposed Dividend
Income Tax Liability
Other Liabilities
Non Controlling interest
Total Liabilities
Cash Balance
Balance with NRB
Balance with Banks or Financial Institutions
Money at call and Short Notice
Investments
Loan Advances
Real Estate Loan
Residential Real Estate Loan
Business Complex and Residential Apartment Construction Loan
Income Generating Commerical Complex Loan
Other Real Estate Loan
Personal Home Loan of Ten Million or Less
Margin Type Loan
Term Loan
Overdraf or TR Loan or WC Loan
Other
Fixed Assets
Non Banking Assets
Other Assets
Total Assets
In Thousands4th Quarter3rd Quarter2nd Quarter1st Quarter
(except for per share items)2073/0742073/0742073/0742073/074
Interest Income 1032286 698327 415008 192720
Interest Expenses 522877 342204 189091 93315
Net Interest Income 509510 356123 225917 99495
Fees Commission and Discount 6538 4429 2546 666
Other Operating Income 79546 55960 36723 14696
Foreign Exchange 13 -18 -14 -8
Total Operating Income 595606 416494 265172 114759
Staff Expenses 106965 72849 48949 26126
Operating Profit Before Provision 360678 261611 167396 18553
Provision for Possible Losses 43673 24167 19179 70880
Operating Profit 317005 237444 148217 30251
Non Operating Income 34639 30330 29634 25921
Write Back Provision for Possible Losses 60910 34972 34972 2728
Profit from Regular Activities 412554 302746 212823 68477
Extra Ordinary Income 0 - - -
Profit Before Bonus and Taxes 412554 302746 212823 68477
Provision for Staff Bonus 37505 27523 19347 6225
Provision for Income Tax 113229 82568 58042 18675
Non Controlling Interest - - - -
Net Profit and Loss 261820 192655 135434 43576
Captila Fund to RAW 24.66 15.86 15.39 16.43
Non Performing Loan to Total Loan 0.74 0.99 1.19 2.13
Total loan loss Provision to Total NPL 199.88 182.62 154.23 109.53
Cost of Fund as per NRB Directive 7.82 7.27 5.33 4.65
Credit to Deposit Ratio as Per NRB Directive 69.78 77.73 76.26 73.23
Base Rate 12.4 10.74 8.68 7.93
Average Yield on Loans and Advance and Investment as Per NRB Directive 0 - - -
Net Interest Spread as Per NRB Directive 5.98 5.75 5.61 6.04
Other Operating Expenses 127964 82034 48827 39828
ROE 0 - - -
ROA 0 - - -
Liquidity Ratio 36.5 - - -
EPS 12 - - -
PE Ratio 0 - - -
Net Worth Per Share 121.67 - - -
Assets Per Share 628.52 - - -
In Thousands (except for per share items)
Interest Income
Interest Expenses
Net Interest Income
Fees Commission and Discount
Other Operating Income
Foreign Exchange
Total Operating Income
Staff Expenses
Operating Profit Before Provision
Provision for Possible Losses
Operating Profit
Non Operating Income
Write Back Provision for Possible Losses
Profit from Regular Activities
Extra Ordinary Income
Profit Before Bonus and Taxes
Provision for Staff Bonus
Provision for Income Tax
Non Controlling Interest
Net Profit and Loss
Captila Fund to RAW
Non Performing Loan to Total Loan
Total loan loss Provision to Total NPL
Cost of Fund as per NRB Directive
Credit to Deposit Ratio as Per NRB Directive
Base Rate
Average Yield on Loans and Advance and Investment as Per NRB Directive
Net Interest Spread as Per NRB Directive
Other Operating Expenses
ROE
ROA
Liquidity Ratio
EPS
PE Ratio
Net Worth Per Share
Assets Per Share
In Thousands (except for per share items)
Net Profit to Gross Income
Earning per Share
Market Value per Share
Price Earning Ratio
Dividend on Share Capital
Capital Adequacy Fund
Cash Dividend
Interest Income to Loan and Advance
Staff Expenses to Total Operating Expenses
Interest Expenses to Total Deposit and Borrow
Exchange Gain to Total Assets
Exchange Fluctuation Income or Total Income
Staff Bonus to Total Staff Expenses
Net Profit to Loan and Advance
Net Profit to Total Assets
CD Ratio
Total Operating Expenses to Total Assets
Core Capital
Supplementary Capital
Total Capital Fund
Liquidity
Nonperforming Loan to Total Loan
Weighted Average Interest Rate Spread
Return of Asset
Book Net Worth
Book Net Worth per Share
Total Shares
Total Staff
Return on Equity
DateFiscal YearDurationTitle
DateQuantityRateAmount
DateCloseVolumeAmount
SNTraded DateLast PriceMkt Cap (Mil)
1Dec 06, 20181593,194.12
2Feb 25, 2013147-
3Jul 01, 2014138-
4Dec 06, 2018118309.39
5Jun 14, 201212688.68
6Dec 23, 20151331,194.25