Jana Small Finance Bank announced 9MFY25 results Asset AUM stands at Rs 27,984 crore, growing by 19% YoY with 68% assets secured. Secured growth 29% for 9M and Unsecured de-growth of 9M is 11%. Affordable Housing & Micro LAP largest business with Rs. 11,000 crore AUM at 39% of the total AUM Total Depositsstands at Rs 25,865 crore Deposits growth of 24% YoY and 15% in 9M CASA deposits stand at Rs 4,768 crore, increasing by 22% YoY and 7% in 9M TD growth of 25% YoY, 16% in 9M CASA ratio stands at 18.4% as at December-24 decreased from 19.7% in March-2024 given rate reduction Capital Adequacy at 18.4% with Tier-1 CRAR of 17.5%. Strong liquidity with LCR of 279% Considering 9M profit, CRAR at 20.4%, annualized ROA & ROE at 1.5% and 13.5%, respectively. GNPA at 2.71% reducing by 15 basis points QoQ; NNPA at 0.91% and PCR at 66.9% Highest ever PBT of Rs. 354 crore for 9 months PAT of Rs 378 crore after creating for an accelerated provision of Rs 208 crore and adding DTA of Rs 24 crore Ajay Kanwal, MD and CEO, Jana Small Finance Bank said: “The Bank has delivered a strong quarter with improving credit quality and strong growth in secured assets. MFI business challenge have bottomed out but we remain cautious. Focus on retail CASA will get further attention given price cut. The strong performance in a difficult year has been possible due to the dedicated and committed effort put in by the 24,000 employees across our national footprint in 24 states and 778 branches.” Result PDF