ESAF Small Finance Bank Limited — Board Meeting, 16-05-2025: Outcome of Board Meeting

ESAF Small Finance Bank reported a net loss of Rs 52.14 Cr for the year ended March 31, 2025, reversing from a Rs 42.56 Cr profit last year. Net interest income dipped marginally, while provisions jumped to Rs 125 Cr, pressuring earnings. Gross NPAs increased to 6.87%, reflecting asset quality concerns. The bank integrated 5,109 trained employees from its largest business correspondent, incurring Rs 58 Cr as an exceptional cost. Capital adequacy remains robust at 21.84%, providing a cushion amid challenges.