Equitas Small Finance Bank Quarterly Results

Pros & Cons

POSITIVES

Consistent growth in net interest income over the past three quarters, indicating strong lending capabilities.
Improved asset quality with lower NPA ratios, reflecting better credit management and risk mitigation.
Enhanced digital banking services leading to increased customer engagement and satisfaction.

NEGATIVES

Declining net profit margins in the latest quarter, suggesting rising operational costs or competitive pressure.
Slow growth in deposits compared to previous quarters, which may hinder future lending capacity.
Increased provisioning for bad loans, presenting potential challenges in profitability and capital management.

Field	Sep 23	Dec 23	Mar 24	Jun 24	Sep 24	Dec 24	Mar 25	Jun 25
Revenue	1,358.99	1,428.80	1,444.65	1,500.95	1,554.87	1,611.93	1,643.97	1,648.86
Expenses	1,210.18	1,273.97	1,310.36	1,369.26	1,444.09	1,517.49	1,558.12	1,625.78
Financing Profit	148.82	154.83	134.30	131.69	110.78	94.44	85.85	23.08
Other Income	181.37	205.48	240.46	208.70	238.93	238.41	225.44	291.69
Depreciation	0	0	0	0	0	0	0	0
Profit Before Tax	266.99	275.93	268.15	35.76	20.06	89.74	53.29	-297.48
Tax	68.86	73.93	60.53	10	7.18	23.44	11.18	-73.72
Net Profit	198.14	202	207.62	25.76	12.88	66.30	42.11	-223.76
Gross Npa %	2.27	2.53	2.61	2.73	2.95	2.97	2.89	2.92
Net Npa %	0.97	1.13	1.17	0.83	0.97	0.96	0.98	0.98