Jana Small Finance Bank Ltd

Jana Small Finance Bank Limited (JSFB) reported strong financial performance for Q2 and H1 FY27, with a 127% YoY increase in Q2 PAT to Rs. 170 crores and a 100% PAT growth for H1 FY27 compared to FY26. Net interest income (NII) rose 35% YoY, driven by a 7.54% NIM improvement, while operating costs increased 15% YoY but decreased 0.4% QoQ. Secured assets reached 73.7%, with GNPA at 2.17% and NNPA at 1.08%, expected to drop below 1% after Q3 claim settlements. Advances grew 22% YoY to Rs. 38,752 crores, with secured advances up 24% YoY. Deposits increased 17% YoY to Rs. 38,221 crores, with CASA growth of 13% YoY. Digital adoption expanded, with 58% UPI transaction value and 98% digital banking uptake. The bank raised Rs. 103 crores in capital, improving RoE to 14.2% and book value to Rs. 455 per share. Guidance for FY27 PAT growth was revised upward to 100%.

The document highlights strong financial performance, including significant PAT growth, improved NIM, and positive guidance revisions.