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Stock Report
Jana Small Finance Bank Ltd Q1FY25 PAT falls QoQ to Rs. 170.56 crores
Posted On : 2024-07-22 18:08:02( TIMEZONE : IST )
Jana Small Finance Bank Limited has reported Standalone financial results for the period ended June 30, 2024.
Financial Results (Q1 FY2025) - QoQ Comparison
The company has reported total income of Rs. 1356.0684 crores during the period ended June 30, 2024 as compared to Rs. 1290.9480 crores during the period ended March 31, 2024.
The company has posted net profit / (loss) of Rs. 170.5620 crores for the period ended June 30, 2024 as against net profit / (loss) of Rs. 321.6777 crores for the period ended March 31, 2024.
The company has reported EPS of Rs. 16.14 for the period ended June 30, 2024 as compared to Rs. 34.50 for the period ended March 31, 2024.
| Financials | Q1 FY2025 | Q4 FY2024 | % Change |
| Total Income | ₹ 1356.0684 crs | ₹1290.9480 crs |  5.04% |
| Net Profit | ₹170.5620 crs | ₹321.6777 crs |  -46.98% |
| EPS | ₹16.14 | ₹34.50 | -53.22% |
Financial Results (Q1 FY2025) - YoY Comparison
The company has reported total income of Rs. 1356.0684 crores during the period ended June 30, 2024 as compared to Rs.1072.9902 crores during the period ended June 30, 2023.
The company has posted net profit / (loss) of Rs.170.5620 crores for the period ended June 30, 2024 as against net profit / (loss) of Rs.90.3649 crores for the period ended June 30, 2023.
The company has reported EPS of Rs.16.14 for the period ended June 30, 2024 as compared to Rs.14.09 for the period ended June 30, 2023.
| Financials | Q1 FY2025 | Q1 FY2024 | % Change |
| Total Income | ₹ 1356.0684 crs | ₹1072.9902 crs | 26.38% |
| Net Profit | ₹170.5620 crs | ₹90.3649 crs | 88.75% |
| EPS | ₹16.14 | ₹14.09 | 14.55% |
Asset Quality:
| Asset Quality | Q1 FY2025 | Q4 FY2024 | Q1 FY2024 |
| Gross NPA | ₹645.9295 crs | ₹494.3284 crs | ₹552.6605 crs |
| Gross NPA % | 2.62% | 2.11% | 2.94% |
| Net NPA | ₹240.7536 crs | ₹130.0179 crs | ₹220.6168 crs |
| Net NPA % | 0.99% | 0.56% | 1.19% |
Gross NPA was at ₹ 645.9295 crs in Q1 FY2025 against ₹ 552.6605 crs in Q1 FY2024. The same was at ₹ 494.3284 crs in Q4 FY2024.
Net NPA was at ₹ 240.7536 crs in Q1 FY2025 against ₹ 220.6168 crs in Q1 FY2024. The same was at ₹ 130.0179 crs in Q4 FY2024.
GNPA was at 2.62% of Gross advances as on June 30, 2024 as compared to 2.94% as on June 30, 2023 and 2.11% as of March 31, 2024.
Net NPA was at 0.99% of Gross advances as on June 30, 2024 as compared to 1.19% as on June 30, 2023 and 0.56% as of March 31, 2024.
| Ratios | Q1 FY2025 | Q4 FY2024 | Q1 FY2024 |
| RoA % | 2.10% | 4.21% | 1.41% | CAR (BASEL III) % | 19.29% | 20.31% | 18.67% |
Return on Average Assets (RoA) is at 2.10% for Q1 FY2025 against 4.21% in Q4 FY2024 and 1.41% in Q1 FY2024.
In Q1 FY2025, Bank's total Capital Adequacy Ratio (CAR) was at 19.29%, as compared to 20.31% in Q4 FY2024 and 18.67% in Q1 FY2024.
Shares of Jana Small Finance Bank Limited was last trading in BSE at Rs. 671.20 as compared to the previous close of Rs. 678.55. The total number of shares traded during the day was 18325 in over 1452 trades.
The stock hit an intraday high of Rs. 683.00 and intraday low of 663.80. The net turnover during the day was Rs. 12324720.00.
