Jeevan Bikas Laghubitta’s Net Profit Soars by 33.45% in Q3; EPS Rises to Rs. 30.87
Wed, May 7, 2025 8:42 AM on Financial Analysis, Company Analysis, Latest,
Jeevan Bikas Laghubitta (JBLB) has published its unaudited financial statement for the third quarter of fiscal year 2081/82, showcasing a remarkable 33.45% surge in net profit, which reached Rs. 35.56 Crores compared to Rs. 26.65 Crores in the same quarter of the previous fiscal year.
The microfinance company witnessed a strong 28% growth in net interest income, which climbed to Rs. 1.47 Arba. This rise in core earnings contributed significantly to the 33.45% boost in operating profit, which stood at Rs. 50.81 Crores.
Earnings per share (EPS) improved to Rs. 30.87, up from Rs. 26.37, marking a growth of 17.06%. The company’s paid-up capital increased by 14% to Rs. 1.53 Arba, which, combined with improved earnings, signals continued growth momentum.
Customer deposits grew by 10.56%, reaching Rs. 11.64 Arba, while loans and advances edged up by 2.75% to Rs. 26.58 Arba. However, non-performing loans (NPL) rose slightly to 4.97% from 4.79%, and the capital adequacy ratio (CAR) declined marginally to 10.36%.
Major Highlights:
* Figure is of the Immediate Fiscal Year Ending
| Particulars (In Rs '000) | Jeevan Bikas Laghubitta | ||
|---|---|---|---|
| Q3 2081/82 | Q3 2080/81 | Difference | |
| Paid Up Capital | 1,536,171.55 | 1,347,518.90* | 14.00% |
| Retained Earnings | 633,420.94 | 607,650.84* | 4.24% |
| Reserves & Surplus | 1,423,893.29 | 1,341,691.70* | 6.13% |
| Deposits from Customers | 11,645,801.62 | 10,533,042.51* | 10.56% |
| Loans and Advances to Customers | 26,586,547.77 | 25,874,567.91* | 2.75% |
| Net Interest Income | 1,474,432.31 | 1,151,908.43 | 28.00% |
| Staff Expenses | 625,401.67 | 516,805.46 | 21.01% |
| Operating Profit | 508,126.39 | 380,757.10 | 33.45% |
| Net Profit | 355,688.47 | 266,529.97 | 33.45% |
| Capital Adequacy (%) | 10.36 | 10.63 | -2.54% |
| NPL (%) | 4.97 | 4.79 | 3.76% |
| Cost of Fund (%) | 8.31 | 9.66 | -13.98% |
| EPS (In Rs.) | 30.87 | 26.37 | 17.06% |
| Net Worth per Share (In Rs.) | 233.92 | 244.66 | -4.39% |
| Qtr end PE Ratio (times) | 42.63 | - | - |
| Qtr End Market Price | 1316.00 | - | - |
