Jana Small Finance Bank Limited has informed the Exchange about Investor Presentation
JSFB · price
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Jana Small Finance Bank reported Q4 FY26 PAT of Rs. 140 crores with net credit cost of Rs. 156 crores, improving from Rs. 10 crores in Q3 FY26. The bank achieved 23% YoY growth in advances (Rs. 36,289 crores) and deposits (Rs. 35,784 crores). Secured book now comprises 72.6% of total advances, up from 69.8% in FY25. NIM improved to 7.71% in Q4 from 7.97% in Q3, while cost of funds reduced to 7.46% from 8.03% YoY. Asset quality improved with GNPA declining to 2.33% from 2.54% YoY, and slippages dropped 24% versus Q3. However, full year PAT declined to Rs. 326 crores from Rs. 501 crores in FY25. For FY27, management guided for 19-21% GLP growth, 23-25% deposit growth, and 80%+ PAT growth.
The sharp improvement in Q4 performance and strong FY27 guidance (80%+ PAT growth) suggests recovery is underway. Declining credit costs and improving NIM indicate margin pressures are easing, which could be positive for the stock. However, full-year PAT decline remains a concern despite sequential recovery.