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Informist, Tuesday, Jul. 22, 2025

--Jana Small Fin Bank net NPA ratio 0.94% as on Jun 30, unch on qtr 
--Jana Small Fin Bank gross NPA ratio 2.91% as on Jun 30 vs 2.71% qtr ago 
--Jana Small Fin Bank Basel III capital adequacy ratio 19.97% as on Jun 30 
--Jana Small Fin Bank Apr-Jun provisions INR 1.96 bln, unchanged on year 
--Jana Small Fin Bank Apr-Jun total income INR 15.16 bln vs INR 13.56 bln 
--Jana Small Fin Bank Apr-Jun PAT INR 1.02 bln vs INR 1.71 bln year ago 
 

By Priyasmita Dutta 

NEW DELHI - Jana Small Finance Bank's net profit fell sharply by over 40% on year in the quarter ended June owing to a jump in expenditure, especially operating expenses. The small finance bank posted a net profit of INR 1.02 billion with operating expenses rising over 27% on year to INR 5.63 billion in Apr-Jun. 

Sequentially, the net profit was down 17% from the 1.23 billion reported in Jan-Mar. The bank announced its financial results post market hours Tuesday. Shares of the small finance bank ended at INR 492, down 1.3% from Monday's close.  

Its total expenses rose nearly 22% on year to 12.18 billion in Apr-Jun. Jana Small Finance Bank's interest expense also went up almost 18% to INR 6.55 billion during the quarter under review. Interest earned rose only 7.1% on year to INR 12.50 billion. Its total income was INR 15.16 billion in Apr-Jun, up 12% on year. Other income of the bank jumped almost 41% on year to INR 2.66 billion. 

The Bengaluru-headquartered small finance bank's Basel II capital adequacy ratio was 19.97% at the end of June, higher than 19.29% in June last year, but lower than 20.68% in the trailing quarter. 

Provisions of the small finance bank remained broadly unchanged from the year ago figure at INR 1.96 billion in Apr-Jun, but were higher than the March quarter by over 13%. The gross non-performing asset ratio of the bank was 2.91% as of Jun. 30, higher than 2.71% in the March quarter but lower than 2.62% in June last year. The net non-performing asset ratio was at 0.94% in Apr-Jun, same as the March quarter but slightly lower than 0.99% a year ago.  End 

Edited by Vandana Hingorani

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