ESAF Small Finance Bank Limited — PPTs, 11-11-2025: Investor Presentation

ESAF Small Finance Bank's Q2 FY26 update shows Gross Advances up 4.3% YoY to ₹19,137 Cr, driven by a strategic shift to 61% secured loans, with Gold Loans doubling. Total Deposits grew 5.9% YoY to ₹22,894 Cr, and CASA rose 13.7% YoY to ₹6,046 Cr.

While H1 FY26 reported a loss of ₹197 Cr, asset quality showed GNPA at 8.5% and NNPA at 3.8%, with a robust CRAR of 22.4%. Disbursements more than doubled YoY in Q2 FY26, with secured loans making up 82%.

The bank is focused on deeper market penetration in rural/semi-urban areas, growing deposits, diversifying loan segments (retail, MSME, agri, gold), and leveraging technology for efficiency. Management is committed to financial inclusion for underserved segments and sustainable growth, as recognized by recent awards for its social and digital initiatives.