Jana Small Finance Bank Balance Sheet Health
Financial Health criteria checks 4/6
Jana Small Finance Bank has total assets of ₹327.1B and total equity of ₹35.8B. Total deposits are ₹225.7B, and total loans are ₹231.1B earning a Net Interest Margin of 8%. It has insufficient allowance for bad loans, which are currently at 2.1% of total loans. Cash and short-term investments are ₹20.3B.
Key information
9.1x
Asset to equity ratio
8.0%
Net interest margin
| Total deposits | ₹225.71b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 2.1% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | ₹20.27b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: 544118's Assets to Equity ratio (9.1x) is low.
Allowance for Bad Loans: 544118 has a low allowance for bad loans (65%).
Low Risk Liabilities: 77% of 544118's liabilities are made up of primarily low risk sources of funding.
Loan Level: 544118 has an appropriate level of Loans to Assets ratio (71%).
Low Risk Deposits: 544118's Loans to Deposits ratio (102%) is appropriate.
Level of Bad Loans: 544118 has a high level of bad loans (2.1%).