Conference Call with Jana Small Finance Bank Management and Analysts on Q4FY25 & Full Year Performance and Outlook. Listen to the full earnings transcript.
Microfinance Institutions company Jana Small Finance Bank announced Q4FY25 & FY25 results Q4FY25 Financial Highlights: Regulatory provision: Rs 76 crore compared to Rs 81 crore during Q3FY25. PBT: Rs 120 crore compared to Rs 105 crore during Q3FY25. PAT: Rs 123 crore compared to Rs 111 crore during Q3FY25. FY25 Financial Highlights: Adjusted PAT improves by 33% in FY25 over FY24. Asset AUM stands at Rs 29,545 crore, growing by 19% YoY with 70% share of secured assets. Secured assets grows by 40% and Unsecured de-growth is 11% for FY25. Total Depositsstands at Rs 29,120 crore. Deposits growth of 29% YoY. CASA deposits grow by 18% YoY; TD growth of 32% YoY. Credit to Deposit ratio improves to 93.3% in FY25 vs 102.4% for FY24. Capital Adequacy improves to 20.7% with Tier-1 CRAR of 19.8% even after assets growth of 19.4% during the year. Strong liquidity with LCR of 253%. GNPA at 2.5%, NNPA at 0.9% and PCR at 66.1% as at 31st March 2025. PAT at Rs 501 crore after accelerated provision of Rs 305 crore in FY25. Ajay Kanwal, MD & CEO, Jana Small Finance Bank, said: “With this year’s result, we have met the required conditions of GNPA<3% and NNPA<1% for 2 consecutive years. Thus, we will be applying for Universal Banking License in this quarter. The Bank’s performance during FY25 has been tremendous given the challenges in the MFI industry and tight liquidity faced during the year. However, being true to our strategy, we grew our Secured book by 40% YoY, which is now at 70% of AUM. Our deposits have grown at solid 29%, significantly over pacing the industry. Given that MFI stress peak has past last year, we are looking forward to a solid year ahead” Result PDF