Equitas Small Finance Bank Limited — PPTs, 28-07-2026: Investor Presentation

Equitas Small Finance Bank showed a strong turnaround, posting a Profit After Tax (PAT) of ₹184 Cr for Q1FY27, a significant improvement from a loss last year. Gross Advances grew 27% year-on-year to ₹47,641 Cr, with Total Deposits up 10% to ₹48,976 Cr. Return on Assets (RoA) reached 1.18% and Return on Equity (RoE) hit 11.76%. Asset quality improved with Gross Non-Performing Assets (GNPA) at 2.36% and Net Non-Performing Assets (NNPA) at 0.70%.

The bank aims for over 20% growth in overall advances for FY27, driven by various products, and expects cost-to-income to moderate in the second half of FY27 due to operating leverage. Strategic focus includes enhancing digital platforms and customer experience.

Recent developments include new appointments for Chief Financial Officer (CFO) and interim Chief Risk Officer (CRO). The bank also launched a Credit Card in 2026.

Management expects to achieve an exit RoA of about 1.5% by Q4FY27, with full-year FY27 RoA projected around 1.2%. Credit costs are anticipated to normalize and stabilize towards FY27.