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Informist, Tuesday, Nov. 11, 2025

 

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--ESAF Small Fin Bk H1 total income INR 19.88 bln vs INR 22.31 bln yr ago 
--ESAF Small Fin Bk H1 net loss INR 1.97 bln vs INR 1.27 bln loss yr ago 
--ESAF Small Fin Bk capital adequacy ratio Basel-II 22.43% as on Sept 30 
--ESAF Small Fin Bk net NPA ratio 3.83% as on Sept 30 vs 3.77% qtr ago 
--ESAF Small Fin Bk gross NPA ratio 8.54% as on Sept 30 vs 7.48% qtr ago 
--ESAF Small Fin Bk Q2 provisions INR 2.49 bln vs INR 3.40 bln year ago 
--ESAF Small Fin Bk Q2 total income INR 9.65 bln vs INR 10.93 bln yr ago 
--ESAF Small Finance Bank Q2 loss INR 1.16 bln vs INR 1.90 bln loss year ago

 

By Krity Ambey

 

NEW DELHI – ESAF Small Finance Bank was in the red in the September quarter for the fifth consecutive quarter. Even though the bank's income declined year-on-year, its loss narrowed from a year ago due to a fall in provisions.

 

ESAF Small Finance Bank reported a loss of INR 1.16 billion for the September quarter, 39% lower than the loss of INR 1.90 billion for the corresponding quarter a year ago. Sequentially, the loss was higher by 43%.

 

The bank's interest income fell nearly 18% on year to INR 8.20 billion in the September quarter. This pulled the lender's total income down nearly 12% on year to INR 9.65 billion. The bank's net interest income--the difference between interest earned and interest expended--for the quarter was INR 3.64 billion, 32% lower on year.

 

ESAF Small Finance Bank's provisions for bad loans fell 27% on year to INR 2.49 billion. As such, the bank's total expenditure fell 8% on year to INR 8.72 billion in the quarter. Sequentially, total expenditure was down 3%.

 

The lender's asset quality worsened in the September quarter, with net non-performing assets ratio rising to 3.83% as of Sept. 30 from 3.77% on Jun. 30 and 2.98% on Sept. 30, 2024. Its gross non-performing asset ratio also worsened to 8.54% as on Sept 30 from 7.48% at the end of the trailing quarter and 6.98% on Sept. 30, 2024. Its capital adequacy ratio, computed as per Basel II standardised approach for credit risk, was 22.43% as on Sept. 30.

 

The bank was in the red in the first half of the financial year with a net loss of INR 1.97 billion compared to INR 1.27 billion in the corresponding period a year ago. Its total income declined 11% to INR 19.88 billion. The bank's provisions were down 5% at INR 4.83 billion in Apr-Sept.

 

ESAF Small Finance Bank released its earnings for the September quarter after the market hours. Shares of the bank ended nearly a percentage lower Tuesday at around INR 28 on the National Stock Exchange.  End

 

Edited by Ashish Shirke

 

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