ESAFSMALLFINANCEBANK / language trends

Read confidence between the lines.

ESAF Small Finance · tone and specificity signals across the available quarters.

Research layer active

Language signals

What changed in management language.

Q4-FY26 · Dr. K. Paul Thomas

The growth is back and the asset quality problems are almost over and going forward we will be on a steady kind of growth.

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Q4-FY26 · Mr. Girish CP

Steady state basis a 2% credit cost is an expected kind of stuff going forward.

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Q4-FY26 · Dr. K. Paul Thomas

We are planning to have an ROA of 2% and that too we will target to achieve by FY28.

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