ESAF Small Finance Bank Limited has informed the Exchange about Transcript of the Earnings Conference Call held on May 4, 2026.
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ESAF Small Finance Bank reported strong Q4 FY26 results with total business of INR 48,276 crore (15% YoY growth). Gross advances grew 19% to INR 22,426 crore, while deposits rose 11% to INR 25,850 crore. NIM improved to 7.3% from 6.6% QoQ, and Q4 PAT came in at INR 24 crore versus INR 7 crore in Q3. Asset quality improved significantly with GNPA declining to 5.4% from 6.9% YoY, and slippages fell sharply to INR 106 crore from INR 427 crore in Q4 last year. The secured loan mix improved to 61% from 53%, driven by the MARG portfolio (MSME, Agriculture, Retail, Gold loans) growing 47% YoY. Management targets steady-state credit cost of 2% and ROA of 2% by FY28, with 20-25% loan book growth and NIM around 7% going forward.
The bank is recovering from a challenging period with improving asset quality, better margins, and clear multi-year targets for credit cost and profitability. The strategic shift toward secured lending is bearing fruit, and management's guidance suggests a sustained improvement trajectory through FY28.