Jana Small Finance Bank Limited — PPTs, 15-07-2026: Investor Presentation

Jana Small Finance Bank delivered a strong Q1 FY27, with Profit After Tax (PAT) soaring 52% year-on-year to Rs 155 Cr. This performance was boosted by an improved Net Interest Margin (NIM) of 7.5% and lower Cost of Funds. The bank saw robust asset growth of 26% YoY, reaching Rs 37,612 Cr, primarily driven by a 29% increase in secured assets which now constitute 72.8% of the portfolio. Deposits grew 22% YoY to Rs 35,756 Cr, with CASA showing impressive 31% YoY growth. Asset quality improved, with Gross NPAs reducing to 2.24%.

**Growth Drivers/Strategy:** Strategic priorities include increasing the secured business proportion and cost rationalization through AI and RPA-led automation. The bank is also focusing on new product launches and an 'Anchor Bank' positioning to deepen customer relationships.

**Recent Developments:** The bank secured approval for Rs 728 Cr in Tier-1 capital via share warrants, with Rs 103 Cr already received. TVS Venu Group is awaiting regulatory approval for a 9.99% stake. The bank maintains "Business As Usual" operations despite recent promoter rating actions.

**Key Financial Metrics:** Q1 FY27 PAT: Rs 155 Cr. Total Advances: Rs 37,612 Cr. Total Deposits: Rs 35,756 Cr. NIM: 7.5%. GNPA: 2.24%. RoA: 1.4%, RoE: 13.6%.

**Management Outlook:** For FY27, management forecasts Gross Loan Portfolio growth of 19-21%, Deposits growth of 23-25%, and PAT growth over 80%. The bank aims to further grow its secured business and build a sustainable, digital-focused franchise.