Financial Performance

Financial Performance Review

Building a Secure Financial Future Together

Discover how The Junagadh Jilla Sahakari Bank LTD. is doing financially by looking at how much money it makes, how it manages risks, and where it stands in the market. This review shows how the bank is doing a good job, staying strong and steady in the changing world of money, giving us a peek into how it runs its business and grows.

We analyze the bank’s financial statements, including revenue, profit margins, and expense management, to understand its financial health. The bank’s risk management strategies, such as credit risk assessment, liquidity management, and capital adequacy, are scrutinized to gauge its ability to navigate economic uncertainties.

No.	Information	31-03-2020	31-03-2021	31-03-2022	31-03-2023	31-03-2024
1	Number of Branches	45	45	45	45	47
2	Number of Councilor	1950	2051	2090	2140	2749
3	Share Capital	4494.08	4863.63	4901.79	5070.81	5227.90
4	Reserves and other Funds	14687.28	16414.44	17604.34	17305.20	19026.72
5	Deposits	71297.19	86783.90	98353.62	100364.92	115195.48
6	Other Debt	32019.13	25600.71	25277.10	25049.30	34016.10
7	Agriculture Credit	96524.61	106598.21	110164.48	115786.07	115519.77
8	Total Unpaid Credit	100317.27	110419.06	114077.20	119445.73	119902.87
9	Administrative Expenses	2175.30	3024.83	3124.61	2360.80	3057.72
10	Profit – Loss	677.68	1167.64	1201.09	1982.36	1486.26
11	Working Capital	128190.74	138400.06	148954.44	149358.52	157178.17
12	Employee Numbers	208	204	189	180	336
13	Business Per Branch	3813.65	4382.29	4720.68	4884.68	5002.09
14	Business per Employee	825.07	966.68	1129.95	1221.17	699.70
15	CRAR%	12.95	12.73	12.84	13.77	13.55
16	GROSS NPA	4536.06	5046.98	5491.14	5719.06	4882.99
17	NPA%	4.60	4.64	4.89	4.86	4.12
18	NET NPA	1436.06	1726.98	1406.14	1634.06	1301.10
19	NPA%	1.50	1.64	1.30	1.44	1.13
20	Loss Declining	-579.16	-2241.04	–	–	–
21	Net Profit	677.68	1167.64	1201.09	1982.36	1486.26

(* Amount in Lakh)

No.	Information	31–03–2021	31–03–2022	31–03–2023	31–03–2024	31–03–2025
1	Number of Branches	45	45	45	47	47
2	Number of Councilor	2051	2090	2140	2749	2967
3*	Share Capital	4863.63	4901.79	5070.81	5227.90	5362.11
4*	Reserves and other Funds	16414.44	17604.34	17305.20	19026.72	19912.04
5*	Low Cost	38535.19	42395.76	44628.51	531852.98	61305.81
6*	Deposits	86783.90	98353.62	100364.92	115195.48	129652.90
7*	Other Debt	25600.71	25277.10	25049.30	34016.10	38160.00
8*	Agriculture Credit	106598.21	110164.48	115786.07	115519.77	113108.91
9*	Total Unpaid Credit	110419.06	114077.20	119445.73	119902.87	115816.42
10*	Administrative Expenses	3024.83	3124.61	2360.80	3057.72	3295.04
11*	Profit – Loss	1167.64	1201.09	1982.36	1486.26	2029.77
12*	Working Capital	138400.06	148954.44	149358.52	157178.17	164983.61
13	Employee Numbers	204	189	180	336	327
14	Business Per Branch	4382.29	4720.68	4884.68	5002.09	5222.75
15*	Business per Employee	966.68	1129.95	1221.17	699.70	750.67
16	CRAR%	12.73	12.84	13.77	13.55	14.78
17*	GROSS NPA	5046.98	5491.14	5719.06	4882.99	7602.10
18	NPA%	4.64	4.89	4.86	4.12	6.62
19*	NET NPA	1726.98	1406.14	1634.06	1301.10	3008.02
20	NPA%	1.64	1.30	1.44	1.13	2.73
21	Loss Declining	-	–	–	–	–
22*	Net Profit	1167.64	1201.09	1982.36	1486.26	2029.77

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