ESAF Small Finance Bank Limited — Investor Meet, 18-08-2025: Analysts/Institutional Investor Meet/Con. Call Updates

ESAF Small Finance Bank's Q1 FY26 financial results show deposits growing 8.7% YoY to INR 22,698 Cr, with retail deposits up 13.17%. CASA grew 14% to INR 5,628 Cr. Gross advances stood at INR 18,224 Cr. Net Interest Income declined to INR 378 Cr, with Net Interest Margin at 6%, impacted by the strategic shift towards secured assets and excess liquidity. Gross NPA rose to 7.5%, Net NPA to 3.8%, largely due to microfinance slippages in Karnataka and Tamil Nadu. Secured assets now form 54.79% of the loan book. Management expects microfinance stress to stabilize, targeting positive ROA by FY26 end through consolidation and operational efficiency.