ESAFSFB ESAF Small Finance Bank Q3 FY25 results (Oct–Dec 2024) and concall
ESAF Small Finance Bank reported a challenging Q3 FY25 with a negative RoA and compressed NIM, primarily due to stress in the microfinance segment and significant write-offs of INR 450 crores. Despite this, the bank demonstrated strong strategic execution by growing its total loan book by 5.6% YoY to INR 19,161 crores and significantly increasing its secured portfolio to 43.35%. Provisioning coverage improved to 78.6%, and digital collection efforts saw a 66% QoQ increase, indicating proactive risk management and a strategic shift towards a more resilient asset base.
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What they filed
| Line item | Q2 FY25 | Q3 FY25 |
|---|---|---|
| Revenue | 995 | 948 |
| Net profit | -190 | -211 |
How to read this
₹ crore, as filed. The percentage beside a figure is the change against the same quarter a year earlier — never the quarter before, which would make every seasonal business look like it collapses and booms each year.
Inve summary of a publicly available earnings call transcript; see how call summaries are prepared. Not investment advice.
