GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Jana Small Finance Bank Ltd (NSE:JSFB) » Definitions » Net Interest Margin (Bank Only) %

Jana Small Finance Bank (NSE:JSFB) Net Interest Margin (Bank Only) % : 0.00% (As of Mar. 2024)


View and export this data going back to 2024. Start your Free Trial

What is Jana Small Finance Bank Net Interest Margin (Bank Only) %?

Net Interest Margin (Bank Only) % is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).

GuruFocus calculates Net Interest Margin (Bank Only) % as Net Interest Income (for Banks) divided by its average earning assets. Jana Small Finance Bank's annualized Net Interest Income (for Banks) for the quarter that ended in Mar. 2024 was ₹0 Mil. Jana Small Finance Bank's average earning assets for the quarter that ended in Mar. 2024 was ₹218,849 Mil. Therefore, Jana Small Finance Bank's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Mar. 2024 was 0.00%.


Jana Small Finance Bank Net Interest Margin (Bank Only) % Historical Data

The historical data trend for Jana Small Finance Bank's Net Interest Margin (Bank Only) % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Jana Small Finance Bank Net Interest Margin (Bank Only) % Chart

Jana Small Finance Bank Annual Data
Trend Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial 12.17 11.41 11.31 10.78 10.43

Jana Small Finance Bank Quarterly Data
Mar18 Mar19 Sep19 Mar20 Sep20 Mar21 Mar22 Sep22 Mar23 Sep23 Mar24
Net Interest Margin (Bank Only) % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only - - - - -

Competitive Comparison of Jana Small Finance Bank's Net Interest Margin (Bank Only) %

For the Banks - Regional subindustry, Jana Small Finance Bank's Net Interest Margin (Bank Only) %, along with its competitors' market caps and Net Interest Margin (Bank Only) % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Jana Small Finance Bank's Net Interest Margin (Bank Only) % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Jana Small Finance Bank's Net Interest Margin (Bank Only) % distribution charts can be found below:

* The bar in red indicates where Jana Small Finance Bank's Net Interest Margin (Bank Only) % falls into.



Jana Small Finance Bank Net Interest Margin (Bank Only) % Calculation

Net Interest Margin (Bank Only) % (NIM) is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).

Jana Small Finance Bank's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Mar. 2024 is calculated as

Net Interest Margin (Bank Only) %(A: Mar. 2024 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Mar. 2023 ) + Earning Assets (A: Mar. 2024 ))/ count )
=21271.406/( (179257.169 + 228514.182)/ 2 )
=21271.406/203885.6755
=10.43 %

where

Earning Assets(A: Mar. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=1727.549 + 177529.62 + 0
=179257.169

Earning Assets(A: Mar. 2024 )
=Money Market Investments + Net Loan + Securities & Investments
=269.543 + 228244.639 + 0
=228514.182

Jana Small Finance Bank's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Mar. 2024 is calculated as

Net Interest Margin (Bank Only) %(Q: Mar. 2024 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Sep. 2023 ) + Earning Assets (Q: Mar. 2024 ))/ count )
=0/( (209183.18 + 228514.182)/ 2 )
=0/218848.681
=0.00 %

where

Earning Assets(Q: Sep. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=257.25 + 208925.93 + 0
=209183.18

Earning Assets(Q: Mar. 2024 )
=Money Market Investments + Net Loan + Securities & Investments
=269.543 + 228244.639 + 0
=228514.182

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Note: Interest Expense is the negative value.

In the calculation of annual Net Interest Margin (Bank Only) %, the Net Interest Income (for Banks) of the last fiscal year and the average earning assets over the fiscal year are used. In calculating the quarterly data, the Net Interest Income (for Banks) data used here is four times the quarterly (Mar. 2024) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.


Jana Small Finance Bank  (NSE:JSFB) Net Interest Margin (Bank Only) % Explanation

The negative value of Net Interest Margin (Bank Only) % mean the firm pays more interest for its debt than the interest revenue generated from its investment.


Jana Small Finance Bank Net Interest Margin (Bank Only) % Related Terms

Thank you for viewing the detailed overview of Jana Small Finance Bank's Net Interest Margin (Bank Only) % provided by GuruFocus.com. Please click on the following links to see related term pages.


Jana Small Finance Bank (NSE:JSFB) Business Description

Comparable Companies
Traded in Other Exchanges
Address
Website
Jana Small Finance Bank Ltd is engaged in the banking sector. It is engaged in savings accounts, current accounts, Deposits, Insurance, Loans such as secured business loans, microloans against property ("Micro LAP"), MSME loans, affordable housing loans, term loans to NBFC, loans against fixed deposits, two-wheeler loans, and gold loans. It operates in four segments namely the Treasury segment, Corporate/Wholesale Banking segment, Retail Banking segment, and Other Banking Operations segment. The retail banking segment includes lending to and deposits from retail customers and identified earnings and expenses of the segment. Maximum revenue is generated from the Retail Banking segment.

Jana Small Finance Bank (NSE:JSFB) Headlines

No Headlines