ESAF Small Finance Bank Ltd

📊 ESAF Small Finance Bank FY2026 Results: Annual Loss Amid Quarterly Profit & Improved Asset Quality

• Annual net loss of ₹166.40 crore for FY ended March 31, 2026

• Quarterly net profit of ₹2.35 crore for Q4 ended March 31, 2026

• Gross NPA improved to 5.41% (from 6.87% previous year)

• Net NPA decreased to 1.77% (from 2.99% year-over-year)

• Capital Adequacy Ratio (Basel II) stood at 22.22%

• Total income: ₹4,348.23 crore

• Total expenditure: ₹3,636.26 crore

• Raised ₹150 crore through Tier II capital bonds in January 2026