Jana Small Finance Bank Ltd — earnings calls
2 quarters summarised from transcripts filed with the exchange, every statement cited. Newest first.
Jana Small Finance Bank reported PAT of Rs 155 crore for Q1 FY27 with net interest margin improving to 7.5%, driven by lower cost of funds and reduced slippages in the unsecured book. Gross NPA stood at 2.24%, net NPA at 0.85%, and credit cost remained flat at 0.45% versus Q4. Management reiterated full-year guidance of 19-21% gross loan growth, 23-25% deposit growth, and PAT growth of 80% plus, while addressing the holding company's rating downgrade and clarifying it has no operational linkage to the bank.
Jana Small Finance Bank reported Q4 FY26 PAT of Rs 140 crore, meeting the guidance range it had given after Q3 results, alongside a net credit cost of 0.47% and SMA at 3.66%. Management said gross advances grew 23% year-on-year with secured assets up 28% and deposits up 23% to Rs 35,784 crore, while cost of deposits fell to 7.46%. For FY27, management guided to gross loan portfolio growth of 19% to 21%, deposit growth of 23% to 25%, and PAT growth of 80% plus.