Jana Small Finance Bank Limited — PPTs, 06-02-2026: Investor Presentation

Here's a concise, retail-friendly summary:

**1. Business Performance:**

Jana SFB's Q3 FY26 Profit After Tax (PAT) was 10 Cr. The bank saw positive trends with slippages reducing 25.8% QoQ, bringing Gross NPA to 2.49% and Net NPA to 0.90%. Deposits grew 30% YoY to 33,733 Cr, while advances increased 19.1% YoY to 33,324 Cr. The secured book now forms 72.8% of total advances.

**2. Growth Drivers or Strategy:**

The bank is strategically shifting its unsecured portfolio, aiming for ~85% coverage under a guarantee scheme by March 2027. This move is expected to lower future credit costs and improve RoA by 50-70 bps. There's a continued focus on growing the secured book towards 80% and enhancing digital banking services.

**3. Recent Developments:**

Q3 marked the highest disbursements for both secured and unsecured segments since Q1 FY25. The bank received recognition for "Highest Guarantee Coverage" and "Best Small Finance Bank in Growth." Its Universal Bank application was returned by the RBI; the bank is updating it for resubmission.

**4. Key Financial Metrics:**

For Q3 FY26, Return on Assets (RoA) was 0.1% and Return on Equity (RoE) was 0.9%. Net Interest Margin (NIM) improved by 10 bps to 6.7%, and the cost of deposits decreased to 7.7%.

**5. Management Commentary / Outlook:**

Management indicates that operational issues bottomed out in Q3, with slippages and SMA expected to be lower in Q4 than March 2024 levels. They project a strong rebound for Q4 FY26, forecasting Profit Before Tax (PBT) and PAT of 140-160 Cr, with RoA anticipated around 1.5% and RoE around 15%.