Jana Small Finance Bank Limited

NSEI:JSFB Stock Report

Market Cap: ₹43.2b

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%).


Discover healthy companies