ESAF Small Finance Bank Limited

Net profit of ESAF Small Finance Bank reported to Rs 7.12 crore in the quarter ended December 2025 as against net loss of Rs 210.90 crore during the previous quarter ended December 2024. Total Operating Income declined 5.68% to Rs 894.05 crore in the quarter ended December 2025 as against Rs 947.85 crore during the previous quarter ended December 2024. ParticularsQuarter EndedDec. 2025Dec. 2024% Var. Total Operating Income894.05947.85 -6 OPM %22.537.02 - PBDT9.13-282.39 LP PBT9.13-282.39 LP NP7.12-210.90 LP Powered by Capital Market - Live

ESAF Small Finance Bank will hold a meeting of the Board of Directors of the Company on 30 January 2026.Powered by Capital Market - Live

ESAF Small Finance Bank has allotted 31,391 equity shares of face value of Rs. 10/- each to eligible employees upon exercise of options vested under ESAF Employee Stock Option Scheme 2019. Powered by Capital Market - Live

CASA deposits increased 7.83% YoY to Rs 6,030 crore as of 31 December 2025, compared with Rs 5,592 crore a year ago. The CASA ratio stood at 25.12% as of 31 December 2025, marginally higher than 24.95% as of 31 December 2024. The bank's gross advances rose 13.06% YoY to Rs 20,680 crore as of 31 December 2025, compared with Rs 18,291 crore as of 31 December 2024. Micro loans declined 24.16% YoY to Rs 7,583 crore as of 31 December 2025, compared with Rs 9,999 crore a year earlier. In contrast, retail and other loans surged 57.95% YoY to Rs 13,097 crore as of 31 December 2025, up from Rs 8,292 crore as of 31 December 2024. The bank's customer base stood at 99.85 lakh as of 31 December 2025, with 5.71 lakh new customers added during the year. During the quarter, the bank completed transactions involving the sale of non-performing assets (NPAs), including technically written-off assets amounting to Rs 1,693.65 crore, to asset reconstruction companies for an aggregate consideration of Rs 183.18 crore. Kerala-based ESAF Small Finance Bank commenced its banking operations in March 2017. As of 31 December 2025, the bank's distribution network comprised 788 branches, 720 ATMs and 1045 customer service centers spanning across 24 states and 2 union territories. The company reported a standalone net loss of Rs 115.81 crore in Q2 FY26 compared with a net loss of Rs 190.07 crore in Q2 FY25. Total income declined 11.7% YoY to Rs 964.98 crore in Q2 FY26. The counter rose 0.71% to settle at Rs 26.95 on the BSE. Powered by Capital Market - Live

In an exchange filing, the bank said it had earlier informed shareholders on 12 December 2025 that its board had approved the sale of the specified loan portfolio, with a pool size of up to Rs 1,700 crore, including the technical write-off pool. The bank carries an overall provision of 94% on this portfolio. The Board of Directors authorized the Asset Sale Committee of Executives to negotiate and finalize the valuation under the Swiss Challenge Method. Following the conclusion of the Swiss Challenge Method, the bank transferred the outstanding portfolio of Rs 1,693.65 crore as of 30 September 2025 to ARCs on 29 December 2025 for an aggregate consideration of Rs 183.18 crore. Kerala-based ESAF Small Finance Bank commenced its banking operations in March 2017. As of September 2025, ESAF SFB's distribution network stood at 788 branches and 718 ATMs across 24 states and 2 union territories, supported by 33 institutional business correspondents and 1,110 customer service centers. The company reported a standalone net loss of Rs 115.81 crore in Q2 FY26 compared with net loss of Rs 190.07 crore in Q2 FY25. Total income declined 11.7% YoY to Rs 964.98 crore in Q2 FY26. Powered by Capital Market - Live

The NPA pool is estimated at up to Rs Rs 1,700 crore (including technical write off pool) against which the bank has made an overall provision of 94%. The board has authorised the Asset Sale Committee of executives to negotiate and finalise the valuation under Swiss Challenge method. Kerala-based ESAF Small Finance Bank commenced its banking operations in March 2017. As of September 2025, ESAF SFB's distribution network stood at 788 branches and 718 ATMs across 24 States and 2 Union Territories, supported by 33 Institutional Business Correspondents and 1,110 Customer Service Centres. The company reported a standalone net loss of Rs 115.81 crore in Q2 FY26 compared with net loss of Rs 190.07 crore in Q2 FY25. Total income declined 11.7% YoY to Rs 964.98 crore in Q2 FY26.Powered by Capital Market - Live

ESAF Small Finance Bank announced that CareEdge ESG ratings (SEBI Registered ESG Rating Provider) has upgraded the ESG Rating of the Bank from the existing ESG Rating of 'CareEdge-ESG 2 with an overall rating score of 68.1' to ESG Rating of 'CareEdge - ESG1 with an overall rating score of 75.4'.Powered by Capital Market - Live

Net Loss of ESAF Small Finance Bank reported to Rs 115.81 crore in the quarter ended September 2025 as against net loss of Rs 190.07 crore during the previous quarter ended September 2024. Total Operating Income declined 17.63% to Rs 819.82 crore in the quarter ended September 2025 as against Rs 995.28 crore during the previous quarter ended September 2024. ParticularsQuarter EndedSep. 2025Sep. 2024% Var. Total Operating Income819.82995.28 -18 OPM %18.9316.24 - PBDT-155.42-196.66 21 PBT-155.42-196.66 21 NP-115.81-190.07 39 Powered by Capital Market - Live

ESAF Small Finance Bank will hold a meeting of the Board of Directors of the Company on 11 November 2025.Powered by Capital Market - Live

ESAF Small Finance Bank will hold a meeting of the Board of Directors of the Company on 3 November 2025.Powered by Capital Market - Live