Jmj Fintech Limited · BSE:JMJFIN
Jmj Fintech — Q2 FY2025-26 Earnings Presentation
20 slides from Jmj Fintech's earnings presentation, Nov 15, 2025
Slide 1: Investor Presentation Q2 FY 2025-26
JMJ FINTECH LIMITED iat INVESTOR PRESENTATION ‘Bintech Ltd Q2 FY 2025-26 . CIN: L611027Z1982PLC029253 NBFC listed at Bombay Stock Exchange a
Slide 2: Disclaimer
jmj DISCLAIMER \N Fintech Ltd. This presentation and the contents therein have been prepared by JMJ Fintech Limited (the “Company”) solely for information purposes and do not constitute, and should not be construed as, an offer, invitation, recommendation,or solicitation to purchase or subscribe to
Slide 3: About us
j About us \ Fintech Ltd. JMJ Fintech Limited is a Reserve Bank of India registered Non-Banking Financial Company (NBFC), operating as a non-deposit taking institution and having it’s Registered Office at Ganapathy, Coimbatore, Tamil Nadu. The company stands firm on ethical financial principles, tra
Slide 4: Management Overview: Board of Directors
MANAGEMENT OVERVIEW BOARD OF DIRECTORS Mr. Johny Madathumpady Lonappan Promoter & Executive Chairman jmj NN Fintech Ltd. Mr. Joju Madathumpady Johny Managing Director Lt. Col. Velayudhanpillai Harikumar CA. Sivadas Chettoor CA. Julie George Varghese Independent Director Independent Director Independ
Slide 5: Key Managerial Personnel
KEY MANAGERIAL PERSONNEL Mr. Johny Madathumpady Lonappan Mr. Joju Madathumpady Johny Promoter & Executive Chairman Managing Director CS. Vidya Damodaran Mr. Justin Thomas O Company Secretary & Compliance Officer Chief Financial Officer
Slide 6: Our Core Values
OUR CORE VALUES INNOVATION )— _—( INTEGRITY __ COMMUNITY __ CUSTOMER COMMITMENT CENTRICITY _¥ ‘\_{ EMPOWERMENT
Slide 7: JMJ Fintech Limited at a Glance
__ jm JMJ FINTECH LIMITED AT A GLANCE -~\ 43+ Years of aS Sa aariaal rakhs faa 43 Branches 24,000 + Net Worth Revenue Customers FY26 - FY26 - HI Rs. 3486.12 Lakhs Rs. 1138.95 Lakhs Net Profit FY26 - H1 Rs. 411.51 Lakhs EBITDA FY26 -H1 Rs. 708.59 Lakhs Reserves & Surplus FY26 - Rs. 1439.93 Lakhs
Slide 8: Geographical Presence
GEOGRAPHICAL PRESENCE MAHARASHTRA KARNATAKA PUDUCHERRY KERALA TAMIL NADU jmj NN Fintech Ltd. THE company’s STRATEGIC FORAY INTO THE INDIAN SUBCONTINENT BEGAN NOT AS A SPRINT, BUT A METICULOUSLY PLANNED MARATHON. INITIALLY FOCUSED ON ESTABLISHING A ROBUST, HIGH-VISIBILITY OPERATIONAL BASE AND SECURE
Slide 9: Comprehensive Financial Services
COMPREHENSIVE FINANCIAL SERVICES PERSONAL LOAN TERM LOAN CORPORATE LOAN BUSINESS LOAN GOLD LOAN PROPERTY LOAN
Slide 10: Financial Overview: Key Financial Highlights - Quarterly
FINANCIAL OVERVIEW KEY FINANCIAL HIGHLIGHTS — QUARTERLY ® TOTAL INCOME e® EBITDA © NET PROFIT 297 473 eu 631 391 508 167 375 aD 264 235 188 114 102 ' ; . L Q225 «9325 425) Q126 «= 226 Q225. Q325. 425° 126 «= 226 Q225 Q325. 425-126 «= 226 (Rupees In Lacs ) L (Rupees In Lacs ) (Rupees In Lacs )
Slide 11: Profit and Loss Statement
PROFIT AND LOSS STATEMENT \ Fintech Ltd. (@ In Lakhs) Revenue from Operations Interest Income 627.52 507.18 610.71 357.73 Other Income 1 0.55 : wl Total Income 631,22 507.73 610.71 359,44 Expenses Finance Cost 77.63 69.4: SLI7 35.88 _____ Employee Benefits Expense: 155.97 171.00 147.03 91.69 _____De
Slide 12: Financial Overview: Key Financial Highlights - Half-Yearly
jmj NN Fintech Ltd. FINANCIAL OVERVIEW KEY FINANCIAL HIGHLIGHTS - HALF-YEARLY ® TOTAL INCOME ® EBITDA © NET PROFIT 0 200 400 600 800 1000 1200 ° 200 400 600 800 ° 100 200 300 400 500 (Rupees In Lacs ) (Rupees In Lacs ) (Rupees In Lacs )
Slide 13: Yearly Results of JMJ Fintech Limited
YEARLY RESULTS OF JMJ FINTECH LIMITED i Fintach Lt (Z In Lakhs) Revenue from Operations Interest Income 1134.70 1.71 746.42 125.51 Sale of Securities = = - 255.41 Other Income 4,26 3.01 0.34 1 Total Income 1138.95 114,72 46.75 382.29 Expenses Finance Costs 147.05. 157.46 85. 6.46 Purchase of Stock i
Slide 14: Financial Overview: Reserves & Surplus and Net Worth
FINANCIAL OVERVIEW KEY FINANCIAL HIGHLIGHTS — QUARTERLY ® RESERVES & SURPLUS © NET WORTH 3486 1440 1197 1083 2475 2361 827 2107 ’ ; Q225 Q3 25 Q4 25 Q126 Q2 26 Q225 Q3 25 Q425 Q126 Q2 26 (Rupees In Lacs ) (Rupees In Lacs )
Slide 15: Balance Sheet: Liabilities and Equity
jmj BALANCE SHEET \_Fintech Ltd. (@ In Lakhs) LIABILITIES AND EQUITY LIABILITIES Financial Liabilities Trade Payables 7.92 22.62 1454 9.21 Other Payables 144.54 60.16 30.90 = Subordinated Debts 2604.60 2006.70 1035.70 299.10 Borrowings e 100.00 = = ub=Total 2757.05 2,189.48 1081.14 308.31 Non-Financ
Slide 16: Balance Sheet: Assets
BALANCE SHEET ASSETS Financial Assets jmj NN Fintech Ltd. (€ In Lakhs) Cash and Cash Equivalents 1321.33 191.59 5.15, 123.46 Bank Balance other than above 650.73 = = 35.45 _______ Other Receivables 0.38 0.35 = = Deposits 38.36 38.32 21.82 = Loans and Advances 4226.33 4,256.95 2,519.79 1,363.76 _____
Slide 17: Key Financial Ratios
jmj KEY FINANCIAL RATIOS —_Fintech Ltd. e202 reso ansnay yo yong rv 2003 PER SHARE RATIOS Basic EPS (Rs.) 2.02 3.33 1.72 0.67 Diluted EPS (Rs.) 1.69 277 172 0.67 _____ Book Value (Rs.) 10.64/3.19 18.46 12.55 10.2 ____ Revenue from Operations/share 5.56 13.4 6,02 3.08. EBITDA 3.46 8.8 3.94 0.28. PROF
Slide 18: Management's Strategic Interpretation
jmj Fintech Ltd. MANAGEMENT'S STRATEGIC INTERPRETATION PROFITABILITY SURGE SIGNIFICANT IMPROVEMENTS IN ROE, ROCE AND ROA REFLECT THE COMPANY’S GROWING OPERATIONAL AND FINANCIAL EFFICIENCY. THESE HIGHER RETURNS INDICATE MORE EFFECTIVE UTILIZATION OF SHAREHOLDER EQUITY, DEBT AND TOTAL ASSETS. EARNINGS
Slide 19: Outlook Beyond FY
jmj Fintech Ltd. OUTLOOK BEYOND FY 26 STRENGTHENED CAPITAL STRUCTURE WITH IMPROVING ROCE AND ROE, THE COMPANY WILL MAINTAIN AN OPTIMAL DEBT-TO-EQUITY RATIO TO FUTURE GROWTH WITHOUT RISKING FINANCIAL STABILITY. FUTURE-READY STRATEGY THE COMPANY IS ON A STRONG, UPWARD FINANCIAL PATH, SUPPORTED BY CONS
Slide 20: | jmj
| jmj NN Fintech Ltd. KERALA | TAMILNADU | KARNATAKA PUDUCHERRY | MAHARASHTRA NBFC listed at Bombay Stock Exchange Registered Office Regional Office Shop No.3, Ist Floor, Adhi Vinayaga Complex, Ist Floor, Pooma Complex, Naduvilal Jn, M.G. Road, No.3 Bus Stand, Gopalsamy Temple Street, Thrissur, Kera