Jana Small Finance Bank Limited — PPTs, 29-04-2025: Investor Presentation

**Financial Highlights:**

Jana Small Finance Bank reported an Adjusted PAT growth of 33% year-on-year, reaching ₹779 Cr for FY25. The bank’s PBT improved to ₹1,226 Cr, while net interest income stood at ₹2,393 Cr, maintaining a stable cost-to-income ratio of 61.3%. Deposits increased by 29% year-on-year to ₹29,120 Cr, and advances rose by 19% to ₹29,545 Cr, driven by a strong secured loan portfolio, which constitutes 70% of total advances.

**Strategic Initiatives & Growth Drivers:**

The bank has expanded its branch network by adding 52 locations and intensified efforts in secured lending, particularly in affordable housing and gold loans. The digital banking footprint has significantly grown, with a 90% digital uptake in banking services.

**Business Developments:**

Jana SFB launched several pre-approved loan products as part of its focus on retail banking. They also reinforced partnerships with various fintech platforms to enhance service delivery.

**Market Position & Competitive Advantage:**

Jana SFB maintains a strong brand presence with over 800 outlets across 23 states, benefiting from geographical diversity and a growing customer base of 4.2 million active users.

**Investor Implications:**

The results highlight positive growth potential moving forward, particularly with improved asset quality and a strategically expanding secured lending portfolio. Investors should monitor execution risks associated with the bank's ambitious growth strategies.