Jana Small Finance Bank shares slide 3% after PAT declines 61% YoY in Q4
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Jana Small Finance Bank shares slid 2.6% to their day’s low of Rs 509.95 on the BSE on Wednesday, April 30, after the bank’s Q4 net profit significantly dropped by 61.6% YoY to Rs 123.50 crore, against Rs 321.67 crore in the corresponding quarter of the previous financial year. However,on a sequential basis, the lender’s PAT was up 11.3% from Rs 111 crore in the preceding quarter. In the fourth quarter of FY25, the bank’s CASA to total deposit ratio stood at 18%, slightly lower than the 18.4% recorded in Q3FY25. Net interest margin rose to 7.4% from 7.3% in the previous quarter. The cost-to-income ratio increased to 64.7% in Q4FY25, compared to 63.8% in Q3FY25. On the asset quality front, the gross NPA declined to 2.5% from 2.7%, while net NPA remained stable at 0.9% across both quarters. Adjusted return on average assets improved to 2.5% from 2.3%, while adjusted return on average equity rose to 21.4%, up from 19.8% in Q3. Return on aver...