About



Welcome to our Bank



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 ( 24th 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 from branches all over the country.

Jyoti Bikash Bank and Jhimruk Bikas Bank have been merged and started joint transaction from 12th August, 2016 followed by acquisition of Rapti Bheri Bikas Bank Ltd on 23rd October, 2017. Similarly,JBBL has acquired Nuwakot District based Hamro Bikash Bank Ltd on 29th March 2019 and established itself as a leading development bank of Nepal in terms of capital.

Purpose(मुल उद्धेश्य)

To bring meaningful and perennial prosperity in the lives of citizens through provision of wide range of highly accessible financial services and dissemination of related financial information therein.

सहज पहुंच भएकोे बृहत वित्तिय सेवा तथा सूचना प्रवाह मार्फत समस्त नागरिकहरुको जीवनमा सार्थक एवम् साश्वत समृद्धि ।

Mission and Vision



VISION (दूर दृष्टि )

To be established as an institution with the larger cause of citizens and society at the centre, delivering modern, informed and easy financial services by building upon best practices of risk management and operation system.

जोखिम व्यवस्थापन तथा संचालन पद्धतीमा स्थापित उत्कृष्ट मापदण्डहरुको अवलम्बन गर्दै नागरिक र समाजको वृहत्तर हित केन्द्रित, आधुनिक, सुशुचित एवं सरल वित्तीय सेवा प्रदान गर्ने संस्थाको रुपमा स्थापित हुने ।


MISSION (ध्येय )

Establishing a system of decision making through extraction and analysis of information related to banking industry, having regard to the economic and social dimensions prevalent in national and international context, ensure that dispersed economic resources and tools are concentrated, mobilized and progressed towards productive sector through optimal use of modern information technology; thus providing equitable return to stakeholders including customers, shareholders, employees, society and the government while acting as a trustworthy financial intermediary.

राष्ट्रिय तथा अन्तर्राष्ट्रिय स्तरमा विद्यमान आर्थिक एवं सामाजिक आयामहरु तथा बैंकिंग क्षेत्रसंग सम्बन्धित सूचनाको अन्वेषण र विश्लेषणबाट व्यवसायिक निर्णय गर्ने व्यवस्था निर्माण गर्दै आधुनिक सूचना प्रविधिको उच्चतम परिचालन मार्फत छरिएर रहेको आर्थिक श्रोत तथा साधनलाई उत्पादनशील क्षेत्र तर्फ एकत्रित, कृयाशील र गतिशील बनाउन विश्वसनीय वित्तीय मध्यस्तकर्ताको रुपमा काम गर्दै सेवाग्राही, शेयरधनी, कर्मचारी, समुदाय तथा सरकार लगायतका सरोकारवालाहरुलाई यथोचित प्रतिफल प्रदान गर्ने । (यथोचित प्रतिफलः सेवाग्राही – आवश्यकता परिपुर्ति, क्षमता सम्बर्धन एवं विस्तार र सम्भाव्यताको दिगो दोहन उन्मुख वित्तिय सेवा तथा सूचना प्रवाह मार्फत उनीहरुको जीवनमा सार्थक परिवर्तन, शेयरधनी – प्रत्येक वर्ष यथोचित लाभांश, समुदाय/आम नागरिक – हाम्रो विकास प्रबर्धन कोषमा नियमित वृद्धि गर्दै अधिक भन्दा अधिक नागरिकको उन्नति हुने परियोजनाको पहिचान र कार्यान्वयनमा सहजिकरण, नियमनकारी निकाय – नियमित रुपमा परिस्कृत संस्थागत शासन, विधिको परिशुद्ध अनुपालन तथा अभिनव नीति निर्माणमा योगदान, सरकार – नियमित रुपमा उक्लिंदो कर)

Our Values (आधारभूत मुल्य मान्यताहरु)



Faithful and quality services ( विश्वसनीय र स्तरीय सेवा)

Citizen Cause centered easy, faster and technology driven banking and financial decision making information services.

सेवाग्राहीलाई केन्द्रमा राखी सम्पूर्ण जानकारी सहित छिटो छरितो, प्रविधियुक्त, विश्वसनीय र मुस्कान सहितको सेवा प्रदान ।


Oriented for Larger Benefits (वृहत्तर लाभ)

Professional behavior nurtured with thoughts, theories, policies, rules and the system driven by larger cause of the citizens and society at large.

नागरिक र समाजको वृहत्तर लाभ केन्द्रित सोंच, विचार, सिद्धान्त, नीति, विधि र व्यवस्थाबाट सिंचित व्यवसायीक व्यवहार ।


Judicious use of existing resources and distribution of benefits (उपलब्ध श्रोतको न्यायपुर्ण उपयोग र वितरण )

Use of available resources duly taking holistic view of economic prosperity into account, zero centered non-performing assets/loans, focus on promoting sustainable development through investment of economic resources where they belong, judicious distribution of benefits, mobilization of resources in the productive sectors, local citizen’s need centered policies of financial services and their implementation.

समग्र आर्थिक समुन्नतिमा टेवा पुग्ने गरी श्रोतको उपयोग, शून्य केन्द्रित खराव सम्पत्ति, जहांको श्रोत त्यहिंको दिगो विकास केन्द्रित व्यवसायीक व्यवहार, लाभको न्यायोचित वितरण, उत्पादनशील क्षेत्रमा श्रोतको परिचालन, स्थानिय नागरिकका आवश्यकता केन्द्रित वित्तीय सेवाहरुको विकास नीति र कार्यान्वयन ।


Corporate governance (संस्थागत सुशासन)

Sustained compliance and synergistic flow of policies, rules and the systems.

नीति, विधि र व्यवस्थाको लयवद्ध प्रवाह सहितको निरन्तर पालना ।


Transparency (पारदर्शिता)

Clarity, precision, active and meaningful participation and matured information dissemination approach in activities undertaken at all levels, including idea generation/thinking, policy formulation and revision processes, decision making processes, decision making, operational approach and system.

सबै तह–सोंच निर्माण/परिमार्जन, नीति निर्माण, निर्णय प्रकृया, सञ्चालन पद्धति र सञ्चालन व्यवहार–मा गरिने कृयाकलापमा स्पष्टता, परिशुद्धता, सम्बन्धित सबैको कृयाशील एवं सार्थक सहभागिता र परिपक्व सूचना प्रवाह।


Impartiality ( निष्पक्षता )

Equal respect and treatment to all citizens and sustained assurance of fairness in all activities including recruitment of staff.

सबै नागरिक प्रति समान आदर र व्यवहार, कर्मचारी नियुक्ति लगायत संस्थाबाट प्रवाहित हुने सम्पुर्ण गतिविधिमा सम–आदर र निष्पक्षताको नियमित सुनिश्चितता।

Dynamic Human Resources (गतिशील मानव संशाधन)

Mobilization of professionally competent, dedicated, committed, truthful, dynamic, cheerful, studious/updated, self-motivated and assured/assertive/poised human resources.

व्यवसायीक रुपमा सक्षम, समर्पीत, सत्यनिष्ठ, प्रशन्न, अध्ययनशील, आत्मविश्वासी, निर्भीक र शालिन मानव संशाधनको परिचालन ।


Capital Structure

Authorized Capital Rs. 5,00,00,00,000
Paid up Capital Rs. 3,10,00,38,525.73