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Informist, Friday, Jan. 30, 2026

 

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--ESAF Small Finance Bank Q3 PAT INR 71.2 mln
--ESAF Small Finance Bank Q3 total income INR 11.63 bln
--ESAF Small Finance Bank Q3 PAT INR 71.2 mln vs net loss INR 2.11 bln
--ESAF Small Fin Bk Q3 total income INR 11.63 bln vs INR 10.62 bln yr ago
--ESAF Small Fin Bk Q3 provisions INR 2.43 bln vs INR 4.10 bln yr ago
--ESAF Small Fin Bk gross NPA ratio 5.64% on Dec 31 vs 8.54% qtr ago
--ESAF Small Fin Bk net NPA ratio 2.73% on Dec 31 vs 3.83% qtr ago
--ESAF Small Fin Bk capital adequacy ratio Basel-II 22.68% on Dec 31
--ESAF Small Fin Bk Apr-Dec net loss INR 1.90 bln vs net loss INR 3.38 bln
--ESAF Small Fin Bk Apr-Dec total income INR 31.52 bln vs INR 32.93 bln
 

 

By Divya Moolayattil

 

MUMBAI – ESAF Small Finance Bank Ltd. returned to profitability in the December quarter after reporting losses for five consecutive quarters, aided by a sharp decline in provisions. The bank's total income rose moderately on year, while total expenses fell marginally, supporting the bottom line.

 

The bank reported a net profit of INR 71.2 million in the December quarter against a loss of INR 2.1 billion year ago and INR 1.16 billion a quarter ago. The bank's provisions for the December quarter fell significantly by around 41% on year to INR 2.43 billion. The provisions for the September quarter were INR 2.49 billion.

 

The bank's total income for the December quarter was INR 11.63 billion, up nearly 10% on year. Other income rose over two-fold to INR 2.69 billion from INR 1.14 billion a year ago. Other income for the September quarter was INR 1.45 billion.

 

The Kerala-based bank's total expenses fell nearly 3% on year, but rose nearly 5% sequentially to INR 9.11 billion for the December quarter.

 

The bank's net interest income was INR 8.94 billion, down nearly 11% on year, but up over 16% sequentially.

 

The lender's asset quality improved for the December quarter, with gross non-performing asset ratio falling significantly to 5.64% as on Dec. 31 from 8.54% on Sept. 30. Its net non-performing assets ratio also fell to 2.73% as of Dec. 31 from 3.83% on Sept. 30. Its capital adequacy ratio under Basel II was 22.68% as on Dec. 31.

 

Earlier this month, the bank reported its provisional figures for advances and deposits. Its gross advances rose 13.1% on year to INR 206.80 billion as on Dec. 31. The bank's deposits at the end of December were at INR 240.06 billion, up 7.1% on year. The bank's current account, savings account deposits were up 7.8% on year, reaching INR 60.30 billion as of Dec. 31. Its CASA ratio was 25.12% at the end of December, lower than 26.41% end of September, but higher than 24.95% at the end of December last year.

 

The lender's net loss for the nine months to December was INR 1.90 billion from INR 3.38 billion a year ago. The bank's Apr-Dec total income was down 4.3% at INR 31.52 billion.

 

ESAF Small Finance Bank released its earnings for the December quarter after market hours. On Friday, shares of the bank closed at INR 29.32, up 6% from the previous close, on the National Stock Exchange.  End

 

Edited by Tanima Banerjee

 

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