Investor Presentation

Here is the summary of the attached file: **1. Financial Highlights:** Jana Small Finance Bank posted Q1 PAT of ₹102 Cr (post ₹150 Cr accelerated provisioning), holding Net NPA at 0.9%. Advances grew 16% YoY to ₹29,930 Cr, with secured assets at 71%. Deposits increased 24% YoY to ₹29,426 Cr, and BVPS improved to ₹403. **2. Strategic Initiatives & Growth Drivers:** The bank applied for a Universal Bank license.

Key growth targets include 35-40% in secured assets and 20% overall advances growth.

New products like 'Solitaire' and digital expansion are driving deeper customer relationships and boosting CASA. **3. Business Developments:** Unsecured lending norms were tightened, with 36% of the MFI portfolio now under guarantee programs.

Jana SFB earned national recognition from the Ministry of Finance for its outstanding digital payment performance. **4. Market Position & Competitive Advantage:** A national franchise (809 outlets), Jana SFB reinforces its position by prioritizing secured loans (71%) and leveraging strong digital adoption (90%+ digital transactions). This, combined with experienced leadership, enhances its competitive edge. **5. Investor Implications:** Disciplined provisioning, healthy growth, and a strategic pivot to secured lending indicate positive growth potential.

Digital initiatives and the Universal Bank license application are potential catalysts.

Investors should monitor execution.