Jana Small Finance Bank Ltd · NSE:JSFB
Jana Small Finance Bank — FY2020 Earnings Presentation
21 slides from Jana Small Finance Bank's earnings presentation, May 20, 2020
Slide 1: Business Update: FY-20
Business Update: FY-20 May 2020
Slide 2: Key Highlights
Jana Small . Finance rth Bank Key Highlights
Slide 3: Key Highlights
Jana Key Highlights a Finance 79,652cr 2711,299cr 25% 1.3% +130% +73% Fvi9: 15% Fr19: 4.4% DEPOSITS AUM SECURED NNPA* LOANS 21,044 Fv20: 73 Ocr 71,440cr 2.8% , FY19: 2(1,949 cr) +161% FY19 : 8.1% NETWORTH PAT-FY20 NET INCOME GNPA* 9 52 19. 3 % z cr 271 % 5 8 5 Tier-1: 13.1% e-0 +58% States / UTs: 22
Slide 4: Key Highlights Q4-FY 20
Key Highlights Q4-FY 20 • PAT for the Q4-FY 20 is Rs. 52 crs despite a difficult March month due to lockdown. PAT was up 58% compared to Rs. 33 crs in Q3-FY 20. • Customer Deposits were up 6.6% Q-Q at Rs. 9,652 crs as of 31st Mar 2020 compared to Rs. 9,052 crs as on 31st Dec 2019. • AUM grew 13% Q-Q
Slide 5: Key Highlights – FY 20
Key Highlights – FY 20 • PAT for the FY 20 is Rs. 30 crs compared to loss of Rs. 1,949 crs in FY 19. • Customer Deposits at Rs. 9,652 crs – up 130% YoY from Rs. 4,199 crs. • AUM at Rs. 11,299 crs – up 73% YoY from Rs. 6,520 crs. • GNPA at 2.8% as against 8.1% in Mar-19. NNPA at 1.3% as against 4.4%
Slide 6: Financial Summary
Jana Small . Finance rth Bank Financial Summary
Slide 7: Financial Summary: Sustainable Profitability Trend
Financial Summary: Sustainable Profitability Trend Growth Q4-FY 20 Q3-FY 20 Q2-FY 20 Q1-FY 20 FY-20 FY-19 FYY-o-Y 19 % Rs. crs Net Income 443 368 328 300 1,440 552 61% Operating Expenses 342 283 264 271 1,161 1,128 3% Operating Profit 100 85 64 29 279 (576) NA Provisions 49 53 57 90 249 1,373 -82% P
Slide 8: Balance Sheet: Getting healthier by Quarter
Balance Sheet : Getting healthier by Quarter Mar-20 Dec-19 Sep-19 Jun-19 Mar-19 Rs. Cr Capital & Reserves 1,044 990 620 612 673 Deposits 9,652 9,052 7,503 5,653 4,199 Borrowings 2,899 1,943 2,716 3,532 4,086 Other Liabilities 551 500 430 435 487 Total Liabilities 14,147 12,485 11,269 10,231 9,446 Ne
Slide 9: Well Capitalised
Well Capitalised Key Investors Mar-20 Dec-19 Mar-19 Total Risk Weighted Assets 7,671 6,729 5,388 Tier I Capital 1,006 958 661 Tier II Capital 472 454 352 Total Capital 1,478 1,412 1,013 CRAR 19.3% 21.0% 18.8% Tier I CRAR 13.1% 14.2% 12.3% Tier II CRAR 6.2% 6.8% 6.5% 9
Slide 10: Liabilities
gana a |) enaee LIABILITIES 10
Slide 11: Cost of Funds decreasing with changing liabilities mix
Cost of Funds decreasing with changing liabilities mix 10,000 12.0% Deposit Borrowing CoF 9,652 9,052 11.6% 11.5% 11.5% 8,000 7,503 10.9% 11.0% 7,662 10.8% 10.5% 6,714 5,653 10.5% 6,000 5,267 10.0% 4,199 9.8% 4,000 4,579 9.5% 9.3% 9.5% 4,086 2,536 3,532 2,899** 9.0% 1,824 2,716* 8.9% 2,000 1,943 8.5
Slide 12: 96% term deposit book is > 3 months tenor and 58% < 2 crs
96% term deposit book is > 3 months tenor and 58% < 2 crs Based on tenor Based on ticket size 4% 2% 8% 18% 27% 21% 9% 59% 2% 15% 5% 41% 6% 65% 10% 18% 7% * 53% 8% 18% 4% Jun-18 Mar-20 Jun-18 Mar-20 < 90 days 91 - 180 days 181 days to 1 years 1 - 2 Years 2 - 3 Years > 3 years < 1 cr 1-2cr 2-5cr 5-10c
Slide 13: Term deposit sourcing - Distributed across various states
Term deposit sourcing - Distributed across various states Maharashtra 13.3% Tamil Nadu 12.3% Karnataka 11.7% West Bengal 10.9% New Delhi 7.6% Uttar Pradesh 6.4% Haryana 5.7% Assam 5.6% Punjab 5.3% Rajasthan 3.0% Madhya Pradesh 2.8% Odisha 2.6% Bihar 2.3% Uttarakhand 2.2% Chandigarh 2.2% Gujarat 2.0%
Slide 14: Advances
Small a ADVANCES 14
Slide 15: Product Offerings | Assets
Product Offerings | Assets Business Segment Features 1 Low Income group women Group Loans Average ticket size ~Rs 39,000 Batch size 3-25 2 Landless farmers, small & marginal farmers Agricultural and allied Loans Average ticket size ~Rs 50,000 Batch size 3-20 3 Individual & Micro Busine
Slide 16: Increasingly Diversified Loan Book
Increasingly Diversified Loan Book As at 31st Mar 2020 Mar-20 Dec-19 Mar-19 Q-Q Y-Y Total AUM (Rs. Cr) 11,299 9,981 6,520 13% 73% Group Loans 5,139 4,703 3,834 9% 34% Agricultural and allied Loans 1,959 1,602 631 22% 210% Individual & Micro Business Loans 1,345 1,390 1,054 -3% 28% Total Unsecured 8,
Slide 17: NPA ratios have been steadily decreasing
NPA ratios have been steadily decreasing 8.1% GNPA ratio NNPA ratio 6.9% 4.4% * 4.2% 3.5% * 2.8% 2.8% * * 1.8% 1.5%* * 1.3% Mar-19 Jun-19 Sep-19 Dec-19 Mar-20 *GNPA & NNPA is after adding back IBPC to AUM. 17
Slide 18: Statewise AUM – Diversified national presence
Statewise AUM – Diversified national presence Tamil Nadu 20.2% Karnataka 16.8% Maharashtra 13.8% Madhya Pradesh 7.3% Gujarat 6.9% West Bengal 6.7% Haryana 4.7% Rajasthan 3.7% Odisha 3.2% Bihar 3.0% New Delhi 2.8% Punjab 2.5% Chattisgarh 2.0% Puducherry 1.8% Jharkhand 1.5% Assam 1.4% Uttar Pradesh 1.
Slide 19: Board of Directors
Board of Directors Ramesh Ramanathan Vijayalatha Reddy Non-Executive Chairman Independent Director The Founder of Janalakshmi, Ramesh, has to his credit a Vijayalatha Reddy joined the IFS in 1975. She was India’s strong international banking experience, creating Ambassador to Portugal in 2006 and to
Slide 20: Senior Advisors
Senior Advisors R. Gandhi Senior Advisor R. Gandhi, former Deputy Governor of RBI, is a financial sector policy expert and advisor. His expertise includes banking and non-banking regulation, payment systems, financial markets, FinTech and currency management. Tamal Bandyopadhyay Senior Advisor Tamal
Slide 21: Thank You
«. || JANA Jana Small Finance Bank Thank You
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