JANA SMALLFINANCE BANK Q2 SUMMARY
Income and Expenditure:
Total Interest Earned: โน1,166.05 crore for Q2 2024, compared to โน1,167.06 crore in Q1 2024 and โน979.03 crore in Q2 2023.
Total Income (Interest + Other Income): โน1,341.61 crore in Q2 2024, up from โน1,225.48 crore in Q2 2023.
Interest Expended: โน572.14 crore in Q2 2024, compared to โน537.01 crore in Q2 2023.
Operating Expenses: โน470.82 crore, which includes:
Employee Costs: โน296.09 crore.
Other Operating Expenses: โน174.73 crore.
Total Expenditure: โน1,042.96 crore, compared to โน1,000.29 crore in Q2 2023.
Profitability:
Profit Before Provisions and Contingencies: โน298.65 crore in Q2 2024.
Net Profit Before Tax: โน96.72 crore in Q2 2024, down from โน170.56 crore in Q2 2023.
Net Profit After Tax: โน96.72 crore in Q2 2024, down from โน122.85 crore in Q2 2023.
Key Ratios:
Capital Adequacy Ratio: 18.81% as of September 30, 2024, up from 17.50% in September 2023.
Earnings Per Share (Basic): โน9.25 in Q2 2024.
Return on Assets: 0.92% in Q2 2024, compared to 1.17% in Q2 2023.
Gross NPAs (Non-Performing Assets): โน754.65 crore as of September 30, 2024.
Net NPAs: โน247.29 crore.
Reserves:
Reserves Excluding Revaluation Reserves: โน1,045.39 crore as of September 30, 2024.