ESAF Small Finance

ESAF Small Finance Bank reported Q4 FY26 PAT of ₹24 croreCurrent reported value: ₹24 crore. No comparable prior figure is available in the source record., a sharp sequential improvement from ₹7 crore in Q3, driven by portfolio rebalancing toward secured assets (now 61%Current 61%. Reported change: +8pp YoY. of advances) and lower slippages. Gross NPA declined to 5.4%Current 5.4%. Reported change: -150bps YoY. from 6.9% YoY, while NIM expanded to 7.3%Current reported value: 7.3%. No comparable prior figure is available in the source record. from 6.6% QoQ. Disbursements grew 88% YoYCurrent reported value: 88% YoY. No comparable prior figure is available in the source record. to ₹12,926 crore, with 78% in secured loans. Management guided for steady-state credit cost of 2%Current reported value: 2%. No comparable prior figure is available in the source record. by FY28 and ROA target of 2%Current reported value: 2%. No comparable prior figure is available in the source record., supported by a 20-25% loan growth trajectory and cost-to-income ratio of ~65%. Key risk: elevated credit costs may persist through FY27 due to legacy NPA provisioning.