Jyoti Bikas Bank's FY 2082/83 Net Profit Soars Over 9-Fold to Rs. 1 Arba
Thu, Aug 6, 2026 12:19 PM on Financial Analysis, Highlight News, Company Analysis,
Jyoti Bikas Bank Limited (JBBL) has released its fourth-quarter financial results for FY 2082/83, reporting a remarkable turnaround in profitability, supported by strong operating performance and a significant reduction in impairment charges.
The development bank posted a net profit of Rs. 1.00 Arba, registering an impressive 905.75% year-on-year increase from Rs. 10 crore in the corresponding period last year. The performance was backed by an 11.77% growth in net interest income, which rose to Rs. 2.34 Arba from Rs. 2.09 Arba in FY 2081/82.
Customer deposits increased by 11.15% to Rs. 67.22 Arba, while loans and advances expanded by 6.61% to Rs. 49.58 Arba. Meanwhile, operating profit surged 360.15% to Rs. 1.79 Arba.
The bank also reported a reversal in impairment charges for loans and advances, recording Rs. 30.12 crore in write-back, compared to an impairment expense in the previous year, significantly boosting overall profitability.
On the prudential front, the Capital Adequacy Ratio (CAR) stood at 14.05%. The Non-Performing Loan (NPL) ratio improved to 6.55% from 7.75% a year earlier, reflecting better asset quality. The cost of funds also improved, declining to 3.76% from 4.99%.
The bank reported an Earnings Per Share (EPS) of Rs. 22.88, while Net Worth Per Share increased to Rs. 170.97.
Major Financial Highlights
| Particulars (In Rs '000) | Jyoti Bikash Bank Limited | ||
| Q4 2082/83 | Q4 2081/82 | Difference | |
| Paid Up Capital | 4,395,785.89 | 4,395,785.89 | 0.00% |
| Share Premium | 0.00 | 0.00 | 0.00% |
| Retained Earnings | 144,364.30 | -999,495.26 | -114.44% |
| Reserves | 2,975,403.75 | 3,230,303.32 | -7.89% |
| Deposit | 67,229,291.96 | 60,482,530.19 | 11.15% |
| Loans & Advances | 49,583,993.20 | 45,235,051.25 | 9.61% |
| Net Interest Income | 2,341,970.48 | 2,095,313.46 | 11.77% |
| Personnel Expenses | 826,774.53 | 693,614.89 | 19.20% |
| Impairment Charges | -301,233.65 | 878,526.14 | -134.29% |
| Operating Profit | 1,793,750.30 | 389,821.35 | 360.15% |
| Net Profit | 1,005,952.99 | 100,020.46 | 905.75% |
| Distributable Profit/ (Loss) after P/L Appropriation and Regulatory Adjustments | 144,364.30 | -999,495.26 | -114.44% |
| Capital Adequacy (%) | 14.05 | 13.84 | 1.52% |
| NPL (%) | 6.55 | 7.75 | |
| Cost of Fund (%) | 3.76 | 4.99 | -24.65% |
| EPS (In Rs.) | 22.88 | 2.28 | 905.75% |
| Net Worth per Share (In Rs.) | 170.97 | 150.75 | 13.42% |
| Qtr end PE Ratio (times) | 14.81 | - | - |
| Qtr End Market Price | 339 | - | - |
