Jana小型金融银行

2023年6月28日,

Damani Kacholia &其他投资Rs 560 cr Jana银行孟买:Bengaluru-based Jana小型金融银行提高了₹560卢比的pre - ipo(首次公开发行)融资的投资者,包括高净值个人(HNIs)和基金即使它准备成为第五个小金融银行股票上市。本周银行募集资金投资者Enam控股的阿卡什Bhanshali Ashish Kacholia, DMart所有者Radhakishan Damani和阿卡什Prakash Amansa控股了。新鲜的筹资加强银行的资本充足率超过19%,略高于15%的监管要求在3月底。首席执行官阿坎瓦尔表示,该行还计划出售至少₹价值1500卢比的IPO股票今年晚些时候的一份招股说明书申报稿将最早于下个月提交。“超过₹500卢比的公开募集股份的数量将会是一个新发行股票并将直接进入银行和提高资本充足率超过23%将给我们一个很好的基础增长,”坎瓦尔说。其他银行的股东包括私人股本公司TPG资本,摩根士丹利(Morgan Stanley)私人股本、电器公司Havells集团除了Amansa和Enam都拥有超过9%的股份。上市时,银行将第五个小金融交易所的非盟后,Equitas, Suryoday Ujjivan。有12个小型金融银行(sfb)在印度注册。这些银行可以做任何事一个提供全面服务的银行可以但75%的贷款必须支付农业和社会的较弱的部分和50%的贷款应beow₹大小25十万的机票。Jana列出今年以来央行规定要求所有sfb必须在五年内开始操作列表。 Jana started operations at the end of March 2018 and had to delay its IPO which was first planned in 2021 due to post-Covid volatilities.The bank also recovered from a shock post-demonetisation at one time reporting gross non-performing assets of 42% at the end of March 2018 as loan recoveries were hit. It also slowed down lending in FY21 when post-Covid uncertainties were at their peak. Gross NPAs have since come down to 3.90% at the end of March 2023 and loan book has grown more than 30% last fiscal as the bank pivots towards secured lending. “Our unsecured microfinance book is about 45% of our total loans. We plan to reduce it to 15-20% in the next three years because we have seen it is a risky business. Affordable housing, loans against property and secured loans to MSMEs are where we think growth comes from,” Kanwal said. Total advances at the end of March 2023 were ₹17,760 crore up from ₹13,007 crore a year ago. Kanwal said since the bank has now completed five years RBI norms allow dilution of promoter holding below 40% which will open up space for fresh investors and make it easier to raise funds. After this pre-IPO funding the promoter stake has fallen to 36% from 42.5% and is likely to reduce to 28% after the IPO, he said.