Summary

Jana Small Finance Bank has reported its highest ever 9M PBT at X354 crore with improving book value per share to Rs. 380. GNPA has declined to 2.71% and NNPA is at 0.9%. The bank has seen a CASA growth of 22% y-o-y and deposit growth at 24% y-o-y. Secured asset growth is at 36% y-o-y and unsecured asset de-growth is at 7% y-o-y. The bank's total deposits stand at 25,865 crore and total AUM is at 27,984 crore, growing by 19% y-o-y with 68% assets secured. The bank has also maintained a strong liquidity with LCR of 279% and a Capital Adequacy at 18.4% with Tier-1 CRAR of 17.5%.

Key Highlights

1. 1

   Highest ever 9M PBT of Rs. 354 crores

2. 2

   GNPA declining to 2.71% and NNPA at 0.9%

3. 3

   CASA growth of 22% y-o-y and deposit growth at 24% y-o-y

4. 4

   Secured asset growth of 36% y-o-y and unsecured asset de-growth of 7% y-o-y

5. 5

   Capital Adequacy at 18.4% with Tier-1 CRAR of 17.5% and strong liquidity with LCR of 279%