Jana Small Finance Bank shares slide 3% after PAT declines 61% YoY in Q4

Economic Times

30-04-2025

Jana Small Finance Bank shares slid 2.6% to their day's low of Rs 509.95 on the BSE on Wednesday, April 30, after the bank's Q4 net profit significantly dropped by 61.6% YoY to Rs 123.50 crore, against Rs 321.67 crore in the corresponding quarter of the previous financial year.
ADVERTISEMENT However,on a sequential basis, the lender's PAT was up 11.3% from Rs 111 crore in the preceding quarter.
In the fourth quarter of FY25, the bank's CASA to total deposit ratio stood at 18%, slightly lower than the 18.4% recorded in Q3FY25. Net interest margin rose to 7.4% from 7.3% in the previous quarter.
The cost-to-income ratio increased to 64.7% in Q4FY25, compared to 63.8% in Q3FY25. On the asset quality front, the gross NPA declined to 2.5% from 2.7%, while net NPA remained stable at 0.9% across both quarters.Adjusted return on average assets improved to 2.5% from 2.3%, while adjusted return on average equity rose to 21.4%, up from 19.8% in Q3. Return on average assets (annualised) came in at 1.4%, compared to 1.3% in the preceding quarter.Return on average equity (annualised) stood at 12.3%, higher than 11.4% in Q3FY25. The weighted capital adequacy ratio (CAR) increased to 20.7% in Q4FY25, from 18.4% in Q3FY25.
ADVERTISEMENT Also read: IndusInd Bank shares in focus after CEO Sumant Kathpalia resigns amid derivatives accounting row
ADVERTISEMENT
Over the past one year, the shares of Jana SFB have gained 2.15%. On a year-to-date (YTD) basis, it has risen by 26.51%. The six-month return stood at 9.57%, while the stock gained 15.39% over the last three months and 25.39% in the last one month.(Disclaimer: Recommendations, suggestions, views and opinions given by the experts are their own. These do not represent the views of The Economic Times)
(You can now subscribe to our ETMarkets WhatsApp channel)