| Periods | 1 Week | 1 Month | 3 Months | 6 Months | 1 Year | 3 Years | All Time |
|---|---|---|---|---|---|---|---|
| Primex-40 | |||||||
| Jana Small Finance Bank Limited |
|
Particulars |
2023 |
2022 |
2021 |
|
Capital And Liabilities |
|
|
|
|
Capital |
32,49,787 |
20,14,116 |
20,07,273 |
|
Reserves and Surplus |
1,47,22,765 |
99,92,874 |
92,61,506 |
|
Deposits |
16,33,40,158 |
13,53,64,912 |
12,38,59,271 |
|
Borrowings |
6,27,74,600 |
4,50,98,320 |
4,81,53,193 |
|
Other liabilities and provisions |
1,23,49,586 |
94,16,864 |
76,27,809 |
|
Total Capital And Liabilities |
25,64,36,896 |
20,18,87,086 |
19,09,09,052 |
|
Assets |
|
|
|
|
Cash and balances with the Reserve Bank of India |
1,01,09,394 |
1,53,00,194 |
46,22,872 |
|
Balances with banks and money at call and short notice |
1,07,63,690 |
70,728 |
1,79,74,840 |
|
Investments |
5,22,12,244 |
5,06,52,606 |
4,69,77,852 |
|
Advances |
17,75,95,554 |
13,00,66,746 |
11,61,19,172 |
|
Fixed assets |
12,77,487 |
17,16,470 |
21,20,570 |
|
Other assets |
44,78,527 |
40,80,342 |
30,93,746 |
|
Total Assets |
25,64,36,895 |
20,18,87,086 |
19,09,09,052 |
|
Particulars |
2023 |
2022 |
2021 |
|
Income |
|
|
|
|
Interest Earned |
3,07,50,103 |
2,72,65,351 |
2,49,77,080 |
|
Other Income |
62,48,647 |
32,37,632 |
23,50,801 |
|
Total Income |
3,69,98,750 |
3,05,02,983 |
2,73,27,881 |
|
Expenditure |
|
|
|
|
Interest Expended |
1,41,49,901 |
1,33,67,509 |
1,23,45,784 |
|
Operating expenses |
1,28,45,104 |
1,13,88,210 |
1,04,73,113 |
|
Provisions and Contingencies |
74,44,032 |
56,93,206 |
36,65,922 |
|
Total Expenditure |
3,44,39,037 |
3,04,48,925 |
2,64,84,819 |
|
Net Profit/(Loss) For The Year |
25,59,713 |
54,058 |
8,43,062 |
|
Balance in P&L account brought forward |
(4,08,30,298) |
(4,08,31,582) |
(4,12,66,476) |
|
Total Profit/(Loss) |
(3,82,70,585) |
(4,07,77,524) |
(4,04,23,414) |
|
EPS (In Rs.) |
|
|
|
|
Basic |
47.47 |
1.06 |
16.62 |
|
Diluted |
42.64 |
0.99 |
15.70 |
|
Particulars |
31st march 2023 |
31st march 2022 |
31st march 2021 |
|
Cash Flow from operating activities |
|||
|
Net profit before taxes |
25,59,713 |
54,058 |
8,43,062 |
|
Adjustments for: |
|||
|
Depreciation on fixed assets |
6,86,888 |
8,08,153 |
8,26,769 |
|
Loss on sale of fixed assets |
9747 |
2076 |
77,344 |
|
Employee stock option expenses |
45,977 |
24,194 |
(9654) |
|
Provision for non performing assets |
4,56,878 |
2,87,048 |
5,88,846 |
|
Bad debts written off |
63,89,553 |
58,53,286 |
23,27,031 |
|
Provision for standards assets |
5,95,272 |
(4,57,705) |
7,82,291 |
|
Premium amortization on HTM investments |
31,300 |
29,447 |
44,952 |
|
Operating profit before working capital changes (i) |
1,07,75,328 |
66,00,557 |
54,80,641 |
|
Movement in working capital |
|||
|
(Increase)/Decrease in investments |
24,96,046 |
91,93,454 |
(82,89,710) |
|
(Increase)/Decrease in advances |
(5,43,75,239) |
(2,00,89,497) |
(2,02,51,232) |
|
(Increase)/Decrease in deposits |
2,79,75,246 |
1,15,07,400 |
2,73,39,802 |
|
(Increase)/Decrease in other assets |
(3,04,560) |
(9,58,925) |
(3,53,605) |
|
(Increase)/Decrease in lien marked fixed deposits |
(1,82,476) |
1,14,007 |
(1,35,793) |
|
(Increase)/Decrease in other liabilities and provisions |
23,37,450 |
22,46,770 |
24,03697 |
|
Net change in working capital (ii) |
(2,20,53,533) |
20,13,209 |
7,13,159 |
|
Direct taxes (paid)/refund (iii) |
(93,625) |
(27,671) |
(41,439) |
|
Net cash flow from operating activities (i)+(ii)+(iii) |
(1,13,71,830) |
85,86,095 |
61,52,361 |
|
Cash flow used in investing activities |
|||
|
Purchase of fixed assets |
(2,60,455) |
(4,08,420) |
(4,27,243) |
|
Proceeds from sale of fixed assets |
2803 |
2291 |
2721 |
|
(Increase)/Decrease of held-to-maturity securities |
(40,86,984) |
(1,28,97,555) |
(1,22,32,744) |
|
Net cash (used in) investing activities (B) |
(43,44,636) |
(1,33,03,684) |
(1,26,57,266) |
|
Cash Flow from financing activities |
|||
|
Proceeds from issue of equity shares |
35,671 |
6843 |
87 |
|
Proceeds from issue of compulsorily convertible preference shares |
12,00,000 |
- |
- |
|
Securities premium received (Net of issue expenses) |
21,24,201 |
6,53,131 |
- |
|
Proceeds from issue of Tier II Capital bonds |
- |
5,00,000 |
- |
|
(Increase)/Decrease in other borrowings |
1,76,76,280 |
(35,55,168) |
1,91,66,364 |
|
Net cash used in financing activities (C) |
2,10,36,152 |
(23,95,194) |
1,91,66,451 |
|
Net (Increase)/Decrease in cash and cash equivalents (A)+(B)+(C) |
53,19,686 |
(71,12,783) |
1,26,61,546 |
|
Cash and cash equivalents as at beginning of the period/year |
1,53,49,136 |
2,24,61,919 |
98,00,373 |
|
Cash and cash equivalents as at end of the period/year |
2,09,68,822 |
1,53,49,136 |
2,24,61,919 |
Summary of cash flow Statement for Jana Small Finance Bank Limited:
Cash Flows from Operating Activities:
- Year ended March 31, 2023: The bank had a net cash outflow of Rs. 1,13,71,830 thousand from operating activities. This includes adjustments for depreciation on fixed assets, employee stock option expenses, provisions for non-performing assets, bad debts written off, and premium amortization on HTM investments.
- Year ended March 31, 2022: The bank had a net cash inflow of Rs. 85,86,095 thousand from operating activities. This was primarily due to an increase in deposits, a decrease in investments, and an increase in other liabilities and provisions.
- Year ended March 31, 2021: The bank had a net cash inflow of Rs. 61,52,361 thousand from operating activities. This was mainly due to an increase in deposits, a decrease in advances, and an increase in other liabilities and provisions.
Cash Flows from Investing Activities:
- Year ended March 31, 2023: The bank had a net cash outflow of Rs. 43,44,636 thousand from investing activities. This includes the purchase and sale of fixed assets and changes in held-to-maturity securities.
- Year ended March 31, 2022: The bank had a net cash outflow of Rs. 1,33,03,684 thousand from investing activities. This was primarily due to changes in held-to-maturity securities and the purchase of fixed assets.
- Year ended March 31, 2021: The bank had a net cash outflow of Rs. 1,26,57,266 thousand from investing activities. This was mainly due to changes in held-to-maturity securities and the purchase of fixed assets.
Cash Flows from Financing Activities:
- Year ended March 31, 2023: The bank had a net cash inflow of Rs. 2,10,36,152 thousand from financing activities. This includes proceeds from the issue of equity shares, preference shares, securities premium, and Tier II capital bonds, as well as changes in other borrowings.
- Year ended March 31, 2022: The bank had a net cash outflow of Rs. 23,95,194 thousand from financing activities. This was primarily due to changes in other borrowings.
- Year ended March 31, 2021: The bank had a net cash inflow of Rs. 1,91,66,451 thousand from financing activities. This was mainly due to changes in other borrowings.
Net Increase/Decrease in Cash and Cash Equivalents:
- Year ended March 31, 2023: The bank experienced a net increase of Rs. 53,19,686 thousand in cash and cash equivalents during the year.
- Year ended March 31, 2022: The bank had a net decrease of Rs. 71,12,783 thousand in cash and cash equivalents during the year.
- Year ended March 31, 2021: The bank experienced a net increase of Rs. 1,26,61,546 thousand in cash and cash equivalents during the year.
|
Particulars |
Mar-22 |
Mar-21 |
Mar-20 |
Mar-19 |
Mar-18 |
|
Sources of funds |
|||||
|
Cash Profit |
70.34 |
159.57 |
116.87 |
0 |
0 |
|
Increase in Equity |
0.68 |
0.01 |
3.56 |
7.87 |
11.83 |
|
Other Increases in other Networth |
67.73 |
0 |
336.18 |
1,086.02 |
1,626.84 |
|
Increase in Deposits |
1,154.27 |
2,733.98 |
5,453.25 |
4,198.25 |
0.45 |
|
Increase in Borrowing |
0 |
1,916.58 |
0 |
0 |
0 |
|
Increase in other Liabilities and Provisions |
175.2 |
212.47 |
62.82 |
0 |
0 |
|
Decrease in cash and bank balances |
0 |
11.55 |
607.13 |
0 |
0 |
|
Decrease in money at call |
860.41 |
0 |
0 |
831.88 |
1,355.78 |
|
Decrease In advances |
0 |
0 |
0 |
0 |
5,585.23 |
|
Decrease in investments |
0 |
0 |
0 |
529.35 |
0 |
|
Other assets |
0 |
0 |
0 |
0 |
168.75 |
|
Total Inflow |
2,328.63 |
5,034.16 |
6,579.81 |
6,653.37 |
8,748.88 |
|
Application of funds |
|||||
|
Cash Loss |
0 |
0 |
0 |
1,856.65 |
2,447.60 |
|
Decrease in networth |
0 |
0.95 |
0 |
0 |
0 |
|
Decrease in borrowings |
305.49 |
0 |
1,187.73 |
3,575.14 |
4,005.58 |
|
Decrease in other liabilities and provisions |
0 |
0 |
0 |
70.42 |
250.97 |
|
Increase in cash and bank balances |
137.73 |
0 |
0 |
883.23 |
181.37 |
|
Increase in money at call |
0 |
1,291.02 |
418.87 |
0 |
0 |
|
Increase in advances |
1,394.76 |
1,655.30 |
3,739.54 |
188.76 |
0 |
|
Increase in investments |
367.47 |
2,047.75 |
1,181.91 |
0 |
1,649.84 |
|
Increase in fixed assets |
24.52 |
27.31 |
12.29 |
42.21 |
210.77 |
|
Increase in other assets |
98.66 |
11.83 |
39.47 |
36.96 |
0 |
|
Dividend |
0 |
0 |
0 |
0 |
2.75 |
|
Total Outflow |
2,328.63 |
5,034.16 |
6,579.81 |
6,653.37 |
8,748.88 |
|
Particulars |
2022 |
2021 |
2020 |
|
Dividend per Share |
Nil |
Nil |
Nil |
The interest income of Jana Small Finance Bank Limited has increased by 12.78% from Rs. 2,72,65,351 Thousand in FY 2022 to Rs. 3,07,50,103 Thousand in FY 2023.
