ESAF Small Finance Bank Limited — Investor Meet, 08-05-2026: Analysts/Institutional Investor Meet/Con. Call Updates

ESAF Small Finance Bank reported strong Q4 FY26 results, with PAT at INR 24 crore (vs INR 7 crore QoQ) and NIM improving to 7.3%. Gross advances grew 19% YoY to INR 22,426 crore, driven by its MARG (MSME, Agriculture, Retail, Gold) strategy. Asset quality significantly improved, with GNPA declining to 5.4% and NNPA to 1.8% YoY. Secured assets now constitute 61% of the loan book, targeting 70% by March 2027. Management projects 20-25% steady-state loan growth, a 2% ROA, and a 2% credit cost by FY28, signaling confidence in sustained performance as asset quality challenges abate.