Jana Small Finance Bank Annual Reports, Balance Sheet and Financials

Particulars

31-03-2024

31-03-2023

Capital And Liabilities

Capital

10,45,903

32,49,787

Employee stock option reserve

1,05,992

2,01,872

Reserves and Surplus

3,46,19,093

1,45,20,893

Deposits

22,57,12,488

16,33,40,158

Borrowings

5,21,14,591

6,27,74,600

Other liabilities and provisions

1,34,99,758

1,23,49,586

Total Capital And Liabilities

32,70,97,825

25,64,36,896

Assets

Cash and balances with the Reserve Bank of India

1,02,55,890

1,01,09,394

Balances with banks and money at call and short notice

1,02,85,361

1,07,63,690

Investments

6,73,76,897

5,22,12,244

Advances

23,11,12,739

17,75,95,554

Fixed assets

14,15,910

12,77,487

Other assets

66,51,028

44,78,527

Total Assets

32,70,97,825

25,64,36,895

Contingent liabilities

26,35,000

7,71,752

Particulars

2023-2024

2022-23

Income

Interest Earned

4,01,30,453

3,07,50,103

Other Income

67,10,110

62,48,647

Total Income

4,68,40,563

3,69,98,750

Expenditure

Interest Expended

1,88,59,047

1,41,49,901

Operating expenses

1,60,48,397

1,28,45,104

Provisions and Contingencies

52,37,716

74,44,032

Total Expenditure

4,01,45,160

3,44,39,037

Net Profit/(Loss) For The Year

66,95,403

25,59,713

Balance in P&L account brought forward

-3,90,78,736

-4,08,30,298

Total Profit/(Loss)

-3,23,83,333

-3,82,70,585

Earning Per Share:

Basic

90.85

47.47

Diluted

90.72

42.64

Appropriations

Transfer to Statutory Reserve

16,73,851

6,39,928

Transfer to Capital Reserve

-

9,363

Transfer to Investment Reserve Account

-

89

Transfer to Investment Fluctuation Reserve

2,00,000

1,58,771

Balance carried over to Balance Sheet

-3,42,57,184

-3,90,78,736

Particulars

31-03-2024

31-03-2023

Cash Flow from Operating Activities

Net profit before taxes

51,43,528

25,59,713

Adjustments for:

Depreciation on fixed assets

6,19,098

6,86,888

Loss on sale of fixed assets

5,806

9,747

Employee stock option expenses

1,08,268

45,977

Provision for non performing assets

27,37,762

4,56,878

Bad debts written off

31,87,885

63,89,553

Provision for standard assets (including standard restructured accounts)

-5,15,222

5,95,272

Premium amortisation on HTM investments

39,433

31,300

Operating profit before working capital changes

1,13,26,558

1,07,75,328

Movement in working capital

(Increase)/Decrease in investments

-81,66,553

24,96,046

(Increase)/Decrease in advances

-5,94,42,832

-5,43,75,239

Increase/(Decrease) in deposits

6,23,72,330

2,79,75,246

(Increase)/Decrease in other assets

11,05,058

-3,04,560

(Increase)/Decrease in lien marked fixed deposits

(65,282)

-1,82,476

Increase/(Decrease) in other liabilities and provisions

16,65,394

23,37,450

Net change in working capital

-25,31,885

-2,20,53,533

Direct taxes (paid)/refund

-17,25,684

(93,625)

Net cash flow from operating activities

70,68,989

-1,13,71,830

Cash Flow from Investing Activities

Purchase of fixed assets

-7,69,133

-2,60,455

Proceeds from sale of fixed assets

5,806

2,803

(Increase)/Decrease of held-to-maturity securities

-70,37,533

-40,86,984

Net cash (used in) investing activities

-78,00,860

-43,44,636

Cash Flow from Financing Activities

Proceeds from issue of equity shares

4,96,116

35,671

Proceeds from issue of compulsorily convertible preference shares

-27,00,000

12,00,000

Securities premium received (Net of issue expenses)

1,31,98,649

21,24,201

Increase / (decrease) in other borrowings

-1,06,60,009

1,76,76,280

Net cash used in financing activities

3,34,756

2,10,36,152

Net increase/(decrease) in cash and cash equivalents

-3,97,115

53,19,686

Cash and cash equivalents as at beginning of the period/year

2,06,68,822

1,53,49,136

Cash and cash equivalents as at end of the year

2,02,71,707

2,06,68,822