ESAF Small Finance Bank Quarterly Results

Pros & Cons

POSITIVES

Consistent revenue growth indicates strong customer acquisition and retention capabilities.
Improvement in net profit margins shows effective cost management strategies in place.
Increased loan disbursement reflects robust demand for financial products.

NEGATIVES

Field	Sep 23	Dec 23	Mar 24	Jun 24	Sep 24	Dec 24	Mar 25	Jun 25
Revenue	943.29	974.37	1,002	1,022.49	996.43	949.89	893.44	828.23
Expenses	732.63	806.66	867.16	883.70	949.98	934.40	946.12	898.45
Financing Profit	210.66	167.71	134.84	138.79	46.45	15.49	-52.68	-70.22
Other Income	78.99	119.98	149.84	115.25	96.58	111.89	143.34	195.14
Depreciation	0	0	0	0	0	0	0	0
Profit Before Tax	188.29	149.85	58.53	84.92	-254.66	-282.39	-240.84	-109.20
Tax	48.17	37.71	15.18	22.15	-64.59	-71.49	-57.65	-27.98
Net Profit	140.12	112.14	43.35	62.77	-190.07	-210.90	-183.19	-81.22
Gross Npa %	2.64	4.16	4.76	6.61	6.98	6.96	6.87	7.48
Net Npa %	1.19	2.19	2.26	3.22	2.98	2.97	2.99	3.77