ESAF Small Finance Bank Limited has informed the Exchange regarding Board meeting held on August 08, 2025.
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Awaiting price reaction for this filing.
ESAF Small Finance Bank's board, at its meeting on August 8, 2025, approved the unaudited financial results for Q1 FY26 (quarter ended June 30, 2025), which received an unmodified (clean) limited review opinion from the joint statutory auditors. Total income stood at Rs. 1,02,337 lakhs, down from Rs. 1,13,774 lakhs in Q1 FY25. The bank reported a net loss of Rs. 8,122 lakhs, narrower than the Rs. 18,319 lakhs loss in Q4 FY25 but a reversal from the Rs. 6,277 lakhs profit in Q1 FY25. EPS for the quarter was Rs. (1.58). Asset quality weakened: Gross NPA rose to 6.01% (from 5.17% in Q4 FY25) and Net NPA rose to 3.77% (from 2.99%). Capital Adequacy Ratio (Basel II) improved to 22.74%. Return on Assets was (0.30)%. The bank transferred stressed loans of 2,12,564 accounts (principal Rs. 73,340 lakhs) to an ARC.
Negative near-term sentiment: continued quarterly losses and rising NPAs point to stress in the loan book, though the shrinking loss and stable CRAR offer some comfort. Investors should watch for the separate press release and investor presentation for management commentary on recovery plans.