Jana Small Finance Bank announced H1FY25 results Loan AUM stands at Rs 26,411 crore, growing by 17% YoY with 65% assets secured. Secured growth 16% for H1 and Unsecured de-growth of H1 is 7%. Total Depositsstands at Rs 24,808 crore. Deposits growth of 31% YoY and 10% in H1. CASA deposits stand at Rs 4,977 crore, increasing by 28% YoY and 12% in H1. TD growth of 32% YoY, 10% in H1. CASA ratio stands at 20.1% as at September-24 increased from 19.7% in March-2024. Capital Adequacy at 18.8% with Tier-1 CRAR of 17.8%. Strong liquidity with LCR of 261%. Considering interim profit for H1FY25, CRAR is 20.3% and Tier-1 CRAR is 19.3%. Profit after tax (PAT) stood at Rs 267 crore in H1FY25 as compared to Rs 213 crore in H1FY24 registering a growth of 25% YoY. Cost Income ratio at 58.3%, ROA at 1.6% and ROE at 14.5%. GNPA at 2.86% led by MFI stress; NNPA at 0.95% and PCR at 67.3%. PAT of Rs 267 crore after creating for an additional buffer provision of Rs 115 crore and adding DTA of Rs 19 crore. Ajay Kanwal, MD and CEO, Jana Small Finance Bank said: “Jana Small Finance Bank (Jana SFB) delivered a solid quarter growing secured assets and deposits with focus on CASA .We have seen elevated delinquency in the MFI business which has resulted in higher GNPA and degrowth in MFI business. We continue to serve aspirational India across 24 states with aim of becoming an anchor Bank to our customers”. Result PDF