Jana Small Finance Bank Limited has informed the Exchange about Investor Presentation
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Jana Small Finance Bank shared its Q4 and FY25 investor presentation showing adjusted PAT growth of 33% YoY to Rs 779 Crs, while reported PAT stood at Rs 501 Crs after booking Rs 305 Crs of accelerated provisions. Advances grew 19% YoY to Rs 29,545 Crs (vs industry ~11%), with the secured book rising to 70% from 60% as unsecured book shrank 11%. Deposits grew 29% YoY to Rs 29,120 Crs, CD ratio improved to 93.3% from 102.4%, and asset quality remained stable with GNPA at 2.5% and NNPA at 0.9%. The bank also outlined FY27 guidance targeting ~20% AUM growth, ~18-20% deposit growth, ~30% PAT growth, ROA of 1.6-2.0%, and ROE of 15-18%.
The FY27 multi-year guidance signals management confidence in sustained growth and profitability, while the mix shift toward secured lending and stable asset quality are positives for shareholders. However, the Rs 305 Crs accelerated provision, MFI book stress, and rising cost-to-income ratio (61.3%) are points to watch.