{"product_id":"janabank-pestle-analysis","title":"Jana Bank PESTLE Analysis","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePlan Smarter. Present Sharper. Compete Stronger.\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eDiscover how political shifts, economic trends, and tech disruption are reshaping Jana Bank’s prospects—our concise PESTLE snapshot highlights the external forces most likely to affect strategy and valuation; buy the full PESTLE to unlock detailed analysis, actionable risks, and growth opportunities you can use immediately.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eolitical factors\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Political-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGovernment Focus on Financial Inclusion\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe Indian government's push for financial inclusion, exemplified by Pradhan Mantri Jan Dhan Yojana which opened over 46 crore accounts by 2024, aligns with Jana Small Finance Bank's mission to serve underbanked and rural customers. Jana benefits from subsidies and partner programs that reduce acquisition costs and grew retail deposits 21% YoY in FY2024 aided by inclusion drives. Continued investment in digital public infrastructure like Aadhaar and UPI expands onboarding efficiency and extends Jana's addressable market across underserved geographies.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Political-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePolitical Stability and Policy Continuity\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe political landscape after the 2024 general elections has delivered stability, enabling Jana Bank to plan long-term lending and infrastructure financing; government fiscal targets (FY2024–25 deficit 5.8% of GDP) support predictable policy. Policy continuity through 2025 keeps banking reforms and credit growth initiatives on track, aiding RBI credit expansion efforts that saw system credit grow ~13.5% YoY in 2024. Investors interpret this as bullish for sectoral growth and financial stability, supporting higher sector valuations and lower sovereign risk premia.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Political-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Political-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePriority Sector Lending Mandates\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eThe RBI and government enforce PSL targets—banks must direct 40% of adjusted net bank credit to priority sectors, with agricultural and MSME sub-targets—Jana Small Finance Bank, focused on microfinance and small-business lending, reported ~68% of its loan book in priority segments in FY2024, enabling it to comfortably meet PSL quotas and access favorable refinance schemes such as NABARD\/ SIDBI windows and concessional CRR\/SLR treatment.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Political-Box-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRural Development Initiatives\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003ePolitical focus on rural infrastructure and agriculture raises creditworthiness for Jana Bank's core clients; India allocated 2.1 trillion INR to rural development and agriculture schemes in FY2024–25, supporting incomes and repayment capacity.\u003c\/p\u003e\n\u003cp\u003eHigher spending on irrigation, rural roads, and housing drives secondary economic gains—World Bank estimates rural road upgrades can boost farm incomes by 20%—reducing default risk.\u003c\/p\u003e\n\u003cp\u003eThese programs partially offset informal-sector lending risks, improving portfolio stability: Jana Bank reported a 3.2% drop in rural NPAs in 2024 after targeted lending and government subsidies.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2.1 trillion INR FY2024–25 rural\/agri allocation\u003c\/li\u003e\n\u003cli\u003e~20% potential farm income uplift from rural roads (World Bank)\u003c\/li\u003e\n\u003cli\u003e3.2% reduction in Jana Bank rural NPAs in 2024\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Political-Box-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGeopolitical Influence on Capital Inflow\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eIndia's strengthened geopolitical standing has supported a rise in FDI into banking, with foreign equity inflows into financial services at $12.6bn in FY2023-24, improving access for players like Jana Small Finance Bank.\u003c\/p\u003e\n\u003cp\u003eAs investors rotate from other EMs, Jana may tap cheaper global capital, but trade tensions or sanctions could spike funding costs and FX volatility—rupee volatility ranged ±6% vs USD in 2023.\u003c\/p\u003e\n\u003cp\u003eNet portfolio flows to India were $45bn in 2024, signaling continued external interest but exposure to sudden reversals.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eFDI financial services $12.6bn (FY2023-24)\u003c\/li\u003e\n\u003cli\u003eNet portfolio flows $45bn (2024)\u003c\/li\u003e\n\u003cli\u003eRupee volatility ~±6% (2023)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Political-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRural push, strong PSLs and inflows boost Jana SFB amid FX volatility\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003ePolitical support for financial inclusion and rural spending (2.1 trillion INR FY2024–25) plus stable post‑2024 policy and RBI credit growth (~13.5% YoY 2024) strengthen Jana SFB’s lending prospects; priority sector rules (40% ANBC) and high PSL exposure (~68% of Jana’s book FY2024) give access to concessional windows, while FDI and portfolio inflows ($12.6bn, $45bn) improve funding but maintain FX\/flow reversal risk (rupee ±6% 2023).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eRural\/agri allocation FY24–25\u003c\/td\u003e\n\u003ctd\u003e2.1 trillion INR\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSystem credit growth 2024\u003c\/td\u003e\n\u003ctd\u003e~13.5% YoY\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eJana PSL share FY2024\u003c\/td\u003e\n\u003ctd\u003e~68%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFDI financial services FY23–24\u003c\/td\u003e\n\u003ctd\u003e$12.6bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNet portfolio flows 2024\u003c\/td\u003e\n\u003ctd\u003e$45bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRupee volatility 2023\u003c\/td\u003e\n\u003ctd\u003e±6%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eExplores how external macro-environmental factors uniquely affect Jana Bank across six dimensions—Political, Economic, Social, Technological, Environmental, and Legal—using current regional market and regulatory dynamics to identify threats and opportunities.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eA concise, visually segmented PESTLE summary for Jana Bank that eases meeting prep and slide-ready sharing, with editable notes for regional or business-line context to speed alignment and strategic decision-making.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eE\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003economic factors\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Economic-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInterest Rate Cycle Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eAs of late 2025, the Reserve Bank of India’s policy rate (repo) at 6.50% continues to drive borrowing costs and yields for small finance banks; Jana Small Finance Bank must protect net interest margins as a 25–50 bp repo move can materially alter funding costs. Jana’s 2024 net interest margin of ~6.2% faces pressure if deposit repricing lags rising market rates; timely loan repricing and ALM actions are therefore critical to sustain return on assets and profitability.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Economic-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMSME Credit Demand Growth\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe MSME sector contributes about 30% of India’s GDP and employs over 110 million people, making it a strategic market for Jana Small Finance Bank.\u003c\/p\u003e\n\u003cp\u003ePost-2023 economic recovery and GST-driven formalization pushed MSME credit demand; RBI data showed SME credit growth of ~18% YoY in 2024, increasing working capital and capex needs.\u003c\/p\u003e\n\u003cp\u003eRising demand lets Jana expand its loan book beyond microfinance—MSME loans can diversify portfolio, with MSME lending outstanding across banks reaching ~INR 25 trillion in 2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Economic-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Economic-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInflationary Pressures on Operational Costs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003ePersistent inflation—India CPI at 5.1% in Dec 2025 and core inflation ~4.8%—raises Jana Bank’s operational costs, notably staff wages and IT maintenance, with salary inflation for banking sector ~7–9% in 2024–25. High inflation compresses disposable incomes, contributing to slower retail deposit growth (national household savings rate fell to ~9.6% in FY2024) and higher loan delinquencies. Balancing elevated cost base while offering competitive deposit rates amid RBI rate normalization is a major economic challenge for management.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Economic-Box-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAsset Quality and Credit Risk\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eThe health of India’s economy strongly affects small finance banks’ asset quality; FY2024 GDP growth of 7.2% supported recoveries but localized shocks raise NPA risk among vulnerable borrowers.\u003c\/p\u003e\n\u003cp\u003eEconomic downturns can spike GNPA ratios—Jana SFB reported a GNPA of 2.22% in FY2024—forcing higher provisions and compressing profits.\u003c\/p\u003e\n\u003cp\u003eJana uses advanced analytics and alternate data to monitor credit risk in real time, helping maintain a resilient balance sheet amid volatility.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eFY2024 GNPA 2.22%\u003c\/li\u003e\n\u003cli\u003eMacro GDP 7.2% (2024)\u003c\/li\u003e\n\u003cli\u003eReal-time analytics for early warning\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Economic-Box-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCapital Market Sentiment for SFBs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eRising Indian equities—Sensex up ~10% YTD and Nifty ~9% (2025)—boost investor appetite for banks, easing Tier I raises for Jana Bank when market sentiment is positive.\u003c\/p\u003e\n\u003cp\u003eRBI forecasts 6.5% GDP growth for 2026, lifting SFB valuations; comparable SFB PE multiples expanded to ~12x in 2025, aiding public\/private placements for branch and digital expansion.\u003c\/p\u003e\n\u003cp\u003eStrategic investors focus on ROA\/ROE—Jana Bank must target ROA \u0026gt;1% and ROE \u0026gt;12% to signal economic efficiency and attract long-term capital.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eSensex +10% YTD, Nifty +9% (2025)\u003c\/li\u003e\n\u003cli\u003eRBI GDP forecast 6.5% (2026)\u003c\/li\u003e\n\u003cli\u003eSFB sector PE ~12x (2025)\u003c\/li\u003e\n\u003cli\u003eTarget ROA \u0026gt;1%, ROE \u0026gt;12%\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/PESTLE-Content-Economic-Box-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFunding Pressure, NIM Risk \u0026amp; MSME Opportunity Amid Rising Costs and Steady GDP\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eEconomic drivers: Repo at 6.50% (late 2025) pressures funding; NIM ~6.2% (2024) vulnerable to 25–50 bp moves. MSME market large—~30% GDP, 110m employed; MSME credit +18% YoY (2024). CPI 5.1% (Dec 2025) and salary inflation 7–9% raise costs; household savings ~9.6% (FY2024) affect deposits. FY2024 GNPA 2.22%; RBI GDP 6.5% (2026).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eRepo\u003c\/td\u003e\n\u003ctd\u003e6.50%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNIM (2024)\u003c\/td\u003e\n\u003ctd\u003e6.2%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMSME share\u003c\/td\u003e\n\u003ctd\u003e30% GDP\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCPI (Dec 2025)\u003c\/td\u003e\n\u003ctd\u003e5.1%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eGNPA (FY2024)\u003c\/td\u003e\n\u003ctd\u003e2.22%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003eSame Document Delivered\u003c\/span\u003e\u003cbr\u003eJana Bank PESTLE Analysis\u003c\/h2\u003e\n\u003cp\u003eThe preview shown here is the exact Jana Bank PESTLE Analysis you’ll receive after purchase—fully formatted, professionally structured, and ready to use with no placeholders or surprises.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e","brand":"MatrixBCG","offers":[{"title":"Default Title","offer_id":56751578055033,"sku":"janabank-pestle-analysis","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0911\/3554\/1625\/files\/janabank-pestle-analysis.png?v=1772233120","url":"https:\/\/growthsharematrix.com\/products\/janabank-pestle-analysis","provider":"Growth Share Matrix","version":"1.0","type":"link"}