Equitas Small Finance Bank Limited has informed the Exchange about Investor Presentation
EQUITASBNK · price
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Equitas Small Finance Bank reported a Q1FY26 loss of Rs. 224 crore, sharply reversing the Rs. 26 crore profit in Q1FY25, mainly due to one-time extra provisions of Rs. 330 crore tied to revised RBI provisioning norms and microfinance stress. Gross NPA improved to 2.82% from 2.89% in Q4FY25, while Net NPA eased to 0.95%. Net Interest Margin fell sharply to 6.55% from 7.13% QoQ as the microfinance book shrank. Gross Advances grew 8% YoY to Rs. 37,610 crore, while deposits grew 18% YoY to Rs. 44,379 crore. Capital position remains strong with CAR at 20.48%, bolstered by a Rs. 500 crore Tier-2 raise in July and shareholder approval for Rs. 1,250 crore Tier-1 equity.
The headline loss is largely a one-time provisioning event rather than a core business deterioration, but the steep NIM compression and weak RoA (-1.68%) signal near-term earnings pressure. Investors should watch for microfinance normalization by Q4FY26 and the planned Tier-1 capital raise in Q1FY27 to support future growth.