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Jana Small Finance Bank Annual Reports, Balance Sheet and Financials

Jana Small Finance Bank Limited (Jana Small Finance Bank) Return Comparision with Primex 40 Index

Periods 1 Week 1 Month 3 Months 6 Months 1 Year 3 Years All Time
Primex-40
Jana Small Finance Bank Limited

Jana Small Finance Bank Limited Balance Sheet (In Rs. thousands)

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

Jana Small Finance Bank Limited Profit & Loss Statement (In Rs. thousands)

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

Jana Small Finance Bank Cash Flow Statement for the last three years (Rs. in Thousands)

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.

Funds Flow Statement of Jana Small Finance Bank (Rs. In Crore)

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

Jana Small Finance Bank Share Dividend History

Particulars

2022

2021

2020

Dividend per Share

Nil

Nil

Nil

Jana Small Finance Bank Limited Recent Performance

  • 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.

  • Interest Expended increased 5.85% in FY 2023 to Rs. 1,41,49,901 Thousand from Rs. 1,33,67,509 Thousand in FY 2022.
  • Provisions and Contingencies have increased significantly by 30.75% in FY 2023 to Rs. 74,44,032 Thousand from Rs. 56,93,206 Thousand in FY 2022.
  • The bank turned profitable in FY 2023. In FY 2022, Jana small finance bank registered a profit of Rs. 54,058 Thousand. In FY 2023, the bank made profits of Rs. 25,59,713Thousand, showing a growth of 4365%.
  • Jana, Small Finance Bank has increased its borrowings from Rs. 4,50,98,320 Thousand in FY 2022 to Rs. 6,27,74,600 Thousand in FY 2023, an increase of 39.19%.
  • The bank 's Advances increased by 36.54% in FY 2023 to Rs. 17,75,95,554  Thousand from Rs. 13,00,66,746 Thousand in FY 2022. Moreover, Deposits with banks have seen a rise of 20.67% in FY 2023. Deposits in FY 2023 reached Rs. 16,33,40,158 Thousand from Rs. 13,53,64,912 Thousand in FY 2022.
  • JANA SMALL FINANCE BANK IPO
  • Jana Small Finance Bank has filed the DRHP with SEBI to float an initial share sale. The IPO comprises of fresh issuance of equity shares worth Rs. 700 Thousand and an offer for sale of up to 92,53,659 shares by existing shareholders.
  • The Jana small finance bank has proposed to utilize the net proceeds from the fresh issue towards augmenting its Tier – 1 capital base to meet future capital requirements.
  • The proceeds will also be used for meeting the expenses in relation to the offer.

 

 

Annual Report

Jana Small Finance Bank Annual Report 2022-23

Download

Jana Small Finance Bank Annual Report 2020-21

Download

Jana Small Finance Bank Annual Report 2019-20

Download

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