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NOTLISTED INE953L01027 Jana Small Finance Bank Limited Banking Format Equity 2024-04-01 2025-03-31 2024-10-21 2024-09-26 INR Crores Half yearly Multi segment 12:00:00 15:55:00 2024-10-21 2024-10-21 true Cash Flow Indirect Not applicable 2024-07-01 2024-09-30 Unaudited Standalone 10619630000.00 940780000.00 99990000.00 70000.00 11660470000.00 1755600000.00 13416070000.00 5721370000.00 2960860000.00 1747330000.00 4708190000.00 10429560000.00 2986510000.00 2102750000.00 0.00 883760000.00 -83420000.00 967180000.00 0.00 967180000.00 967180000.00 1045900000.00 10.00 0.00 0.0018 0.00 9.25 9.15 9.25 9.15 7546490000.00 2472850000.00 0.0003 0.0001 0.0001 Figures for the quarter and half year are not annualized Net worth represents sum of Capital and Reserves & Surplus excluding Employee stock option reserve and reduced by deferred tax asset and prepaid expenses Total debt/debt represents total borrowings of the Bank 2024-04-01 2024-09-30 Unaudited Standalone 21059100000.00 2029950000.00 241830000.00 140000.00 23331020000.00 3645730000.00 26976750000.00 11294520000.00 5737850000.00 3400100000.00 9137950000.00 20432470000.00 6544280000.00 4059250000.00 0.00 2485030000.00 -187770000.00 2672800000.00 0.00 2672800000.00 2672800000.00 1045900000.00 10.00 0.00 0.0018 0.00 25.55 25.29 25.55 25.29 7546490000.00 2472850000.00 0.0003 0.0001 0.0002 Advertisement and publicity 84180000.00 Auditors' fees and expenses 6250000.00 Depreciation on bank's property 150270000.00 Director's Fees, allowances and expenses 5240000.00 Insurance and Others 980180000.00 Law charges 58200000.00 Postage, telegram, telephone etc. 42870000.00 Printing and stationery 39140000.00 Rent, taxes and lighting 290230000.00 Repairs and maintenance 90770000.00 Advertisement and publicity 177580000.00 Auditors' fees and expenses 11700000.00 Depreciation on bank's property 279810000.00 Director's Fees, allowances and expenses 9740000.00 Insurance and Others 1862030000.00 Law charges 91960000.00 Postage, telegram, telephone etc. 99880000.00 Printing and stationery 83250000.00 Rent, taxes and lighting 589320000.00 Repairs and maintenance 194830000.00 1045900000.00 37564330000.00 248080340000.00 35472510000.00 12174140000.00 334337220000.00 13998280000.00 5036450000.00 58157330000.00 248614510000.00 1511920000.00 7018730000.00 334337220000.00 Notes: 1 The above financial results for the quarter and half year ended September 30, 2024, have been reviewed by the Audit Committee and recommended for adoption to the Board of Directors. The Board of Directors of the Bank have considered and approved the same at its meeting held on October 21, 2024. The above financial results for the quarter and half year ended September 30, 2024, have been reviewed by the joint statutory auditors, S.R. Batliboi & Associates LLP, Chartered Accountants and Batliboi & Purohit, Chartered Accountants. The financial results for the quarter and half year ended September 30, 2023 and year ended March 31, 2024 were audited by predecessor auditors. 2 The Bank has followed consistently the same significant accounting policies in the preparation of these financial results for the quarter with those followed in the annual financial statements for the year ended March 31, 2024, except for the classification and valuation of investments which is as per the Master direction No. RBI/DOR/2023'24/104 DOR.MRG.36 /21.04.141/2023-24 on Classification, Valuation and Operation of investment Portfolio of Commercial Banks (Directions), 2023 issued by Reserve Bank of lndia dated September 12, 2023 which is applicable from April 1, 2024. Corporate/Wholesale Banking 777490000.00 Digital Banking Units 12120000.00 Other Banking operations 350750000.00 Other Retail Units 16846530000.00 Treasury 3640460000.00 Corporate/Wholesale Banking 1370820000.00 Digital Banking Units 22870000.00 Other Banking operations 736780000.00 Other Retail Units 33341330000.00 Treasury 7632630000.00 21627350000.00 43104430000.00 8211280000.00 16127680000.00 13416070000.00 26976750000.00 Corporate/Wholesale Banking -6540000.00 Digital Banking Units 4240000.00 Other Banking operations 350750000.00 Other Retail Units -220720000.00 Treasury 756030000.00 Corporate/Wholesale Banking 54550000.00 Digital Banking Units 10060000.00 Other Banking operations 736780000.00 Other Retail Units 2510000.00 Treasury 1681130000.00 883760000.00 2485030000.00 0.00 0.00 0.00 0.00 883760000.00 2485030000.00 Corporate/Wholesale Banking 31122970000.00 Digital Banking Units 133250000.00 Other Banking operations 11390000.00 Other Retail Units 221591080000.00 Treasury 77593890000.00 330452580000.00 3884640000.00 3884640000.00 334337220000.00 Corporate/Wholesale Banking 123120000.00 Digital Banking Units 85970000.00 Other Banking operations 33430000.00 Other Retail Units 258446700000.00 Treasury 36784600000.00 295473820000.00 253170000.00 253170000.00 295726990000.00 Segment Notes: Business Segments have been identified and reported taking into account the target customer profile, the nature of products and services, the differing risks and returns, the organisation structure, the internal business reporting system and the guidelines prescribed by the RBI. Digital Banking Segment is reported as a sub-segment of Retail Banking Segment related to Digital Banking Units of the Bank in India. a) Treasury The treasury segment primarily consists of entire investment portfolio of the Bank. b) Retail Banking The retail banking segment serves retail customers through a branch network. Exposures are classified under retail banking taking into account the status of the borrower (orientation criterion), the nature of product, granularity of the exposure and the quantum thereof. Revenues of the retail banking segment are primarily derived from interest and fees earned on retail loans, interest on deposits placed as collateral with banks and financial institutions. Expenses of this segment primarily comprise interest expense on borrowings, deposits, infrastructure and premises expenses for operating the branch network, personnel costs and other direct overheads. c) Wholesale Banking Wholesale Banking includes all advances to companies and statutory bodies, which are not included under Retail Banking. d) Other Banking Operation Other Banking includes other items not attributable to any particular business segment. e) Unallocated All items which are reckoned at an enterprise level are classified under this segment. This includes capital and reserves, and other unallocable assets and liabilities not identifiable to particular segment such as deferred tax, tax assets etc. 200000.00 279810000.00 4080190000.00 0.00 0.00 141750000.00 0.00 0.00 0.00 0.00 4501950000.00 0.00 -20277150000.00 11065130000.00 22408910000.00 -1341630000.00 0.00 11855260000.00 16357210000.00 18842240000.00 0.00 0.00 0.00 247140000.00 0.00 18595100000.00 0.00 0.00 18595100000.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 383060000.00 7040000.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 -3029440000.00 0.00 -3405460000.00 0.00 0.00 -3405460000.00 0.00 0.00 0.00 1332000000.00 17974080000.00 0.00 0.00 0.00 0.00 -16642080000.00 0.00 0.00 -16642080000.00 -1452440000.00 0.00 -1452440000.00 20271710000.00 18819270000.00