Jana Small Finance Bank Quarterly Results

Pros & Cons

POSITIVES

Steady increase in net interest income indicates healthy growth in lending activities.
Improved asset quality with declining NPA ratios suggests effective risk management practices.
Higher return on equity reflects enhanced profitability and efficient capital use.

NEGATIVES

Field	Dec 23	Mar 24	Jun 24	Sep 24	Dec 24	Mar 25	Jun 25
Revenue	1,038.03	1,111.08	1,167.06	1,166.05	1,177.41	1,199.28	1,250.16
Expenses	882.27	949.01	1,000.29	1,042.96	1,075.73	1,140.31	1,218.01
Financing Profit	155.76	162.07	166.77	123.09	101.69	58.97	32.15
Other Income	139.52	179.87	189.01	175.56	177.40	233.88	265.99
Depreciation	0	0	0	0	0	0	0
Profit Before Tax	134.64	166.49	160.13	88.38	105.34	119.84	101.92
Tax	0	-155.19	-10.43	-8.34	-5.32	-3.64	0
Net Profit	134.64	321.68	170.56	96.72	110.66	123.48	101.92
Gross Npa %	2.19	2.11	2.62	2.97	2.80	2.71	2.91
Net Npa %	0.71	0.56	0.99	0.99	0.94	0.94	0.94