Jana Small Finance Bank Balance Sheet Health
Financial Health criteria checks 4/6
Jana Small Finance Bank has total assets of ₹334.3B and total equity of ₹38.6B. Total deposits are ₹248.1B, and total loans are ₹248.6B earning a Net Interest Margin of 8%. It has insufficient allowance for bad loans, which are currently at 3% of total loans. Cash and short-term investments are ₹18.8B.
Key information
8.7x
Asset to equity ratio
8.0%
Net interest margin
Total deposits | ₹248.08b |
Loan to deposit ratio | Appropriate |
Bad loans | 3.0% |
Allowance for bad loans | Low |
Current ratio | Low |
Cash & equivalents | ₹18.82b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: JSFB's Assets to Equity ratio (8.7x) is low.
Allowance for Bad Loans: JSFB has a low allowance for bad loans (65%).
Low Risk Liabilities: 84% of JSFB's liabilities are made up of primarily low risk sources of funding.
Loan Level: JSFB has an appropriate level of Loans to Assets ratio (74%).
Low Risk Deposits: JSFB's Loans to Deposits ratio (100%) is appropriate.
Level of Bad Loans: JSFB has a high level of bad loans (3%).