ESAF Small Finance Bank Limited — Important, 04-01-2025: General Updates

Total deposits rose to ₹22,413 Crore as of December 31, 2024, marking an 18.84% increase year-on-year, with CASA deposits growing significantly by 56.93% to ₹5,590 Crore and a CASA ratio of 24.94%. Gross advances also saw a healthy uptick of 9.25% year-on-year, reaching ₹18,739 Crore. Notably, the bank has shifted its focus towards secured advances, which now represent 44.35% of gross advances, compared to 29.46% a year prior. Gold loans surged by 82.06% to ₹4,577 Crore. The customer base expanded to 91.92 lakh, with 8.18 lakh new additions in the last nine months, supported by a distribution network of 770 branches and 669 ATMs across 24 states and 2 union territories. The bank's CD ratio stood at 84%, reflecting a robust liquidity position. Overall, the figures indicate a positive outlook for growth and stability in the coming quarters.