ESAF Small Finance Bank Limited has informed the Exchange about Investor Presentation
ESAFSFB · price
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ESAF Small Finance Bank shared its Q4 and FY25 investor presentation, showing a sharp swing to a loss of ₹521.4 crore for FY25 against a profit of ₹426 crore in FY24. Net Interest Income fell 13.4% to ₹2,052 crore as Net Interest Margins (NIMs) compressed sharply from 10.7% to 8.1%, and yields on advances dropped from 21.7% to 18.3%. Asset quality worsened materially with Gross NPAs rising to 6.9% (from 4.8% in Q4FY24) and provisions more than doubling to ₹1,250 crore. Total loan book was almost flat at ₹19,643 crore while deposits grew 17.2% to ₹23,276 crore, keeping Capital Adequacy strong at 21.8%. The bank remained profitable at the operating level before provisions, but reported negative ROA of -1.9% and ROE of -22.8% for FY25.
Shareholders face a difficult year as the bank swung from profit to loss with rising NPAs and falling margins, which may weigh on the stock in the near term. However, strong deposit growth, comfortable capital levels (CRAR 21.8%), and the bank's continued focus on recoveries and asset diversification offer some medium-term support.