ESAF Small Finance Bank Limited — PPTs, 31-07-2026: Investor Presentation

**ESAF Small Finance Bank Q1 FY27 Update:**

1. **Business Performance:** ESAF SFB delivered a strong Q1 FY27. Net Profit turned around impressively to ₹80 Cr from a loss in the prior year. Gross Advances surged 27% YoY to ₹23,216 Cr, while Total Deposits grew 19% YoY to ₹26,924 Cr. Asset quality improved significantly, with Net NPA now at 0.8% and Provision Coverage Ratio (PCR) at 85.5%. Cost-to-Income ratio dropped to 58.1%, reflecting better efficiency.

2. **Growth Drivers & Strategy:** The bank's strategy to focus on **MARG** (MSME, Agri, Retail, Gold) and **Emerging Household (EH)** segments is driving growth, with these portfolios expanding 42% and 185% YoY, respectively. This reflects a strategic shift towards secured lending for sustainable growth and de-risked operations.

3. **Recent Developments:** ESAF SFB has successfully crossed 1 crore customers and achieved a Total Business exceeding ₹50,000 Cr. The bank's strong ESG performance was recognized with an upgraded CareEdge ESG rating of 75.4, placing it in a "Leadership Position."

4. **Key Financial Metrics:** Net Interest Income (NII) jumped 54.6% YoY to ₹584 Cr. Net Interest Margin (NIM) improved to 7.9%. Earnings Per Share (EPS) stood at ₹1.55.

5. **Management Outlook:** Management plans to deepen market penetration, grow fee income through diversified offerings, and continually leverage technology for enhanced customer experience, efficient risk management, and improved operational efficiency, prioritizing financial inclusion and asset quality.