ESAF Small Finance Bank Income Statement

Financials in millions INR. Fiscal year is April - March.

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021
Interest Income on Loans	34,611	38,622	38,185	28,536	19,399	16,412
Interest Paid on Deposits	18,177	18,107	14,487	10,173	7,928	7,196
Net Interest Income	16,211	20,515	23,698	18,363	11,471	9,216
Net Interest Income Growth (YoY)	-26.53%	-13.43%	29.05%	60.08%	24.47%	16.34%
Gain (Loss) on Sale of Assets	0.94	0.94	0.9	-3.38	0.06	-23.34
Gain (Loss) on Sale of Investments	814.94	814.94	408.17	-757.53	202.08	241.84
Other Non-Interest Income	6,681	3,855	4,008	3,641	1,874	1,054
Total Non-Interest Income	7,497	4,671	4,417	2,880	2,076	1,272
Non-Interest Income Growth (YoY)	58.27%	5.74%	53.39%	38.73%	63.13%	-4.46%
Revenues Before Loan Losses	23,708	25,186	28,115	21,243	13,547	10,488
Provision for Loan Losses	10,577	12,501	5,923	4,877	4,180	2,756
Revenue	13,131	12,685	22,192	16,366	9,367	7,732
Revenue Growth (YoY)	-14.47%	-42.84%	35.60%	74.71%	21.14%	-2.25%
Salaries and Employee Benefits	7,003	6,561	3,632	2,769	2,273	1,878
Occupancy Expenses	1,857	1,857	1,433	1,213	945.57	721.9
Selling, General & Administrative	581.25	581.25	586.71	458.89	262.43	194.64
Other Non-Interest Expense	9,194	10,576	10,839	7,854	5,099	3,524
Total Non-Interest Expense	18,675	19,615	16,488	12,305	8,629	6,319
EBT Excluding Unusual Items	-5,543	-6,930	5,704	4,060	738.5	1,414
Pretax Income	-4,963	-6,930	5,704	4,060	738.5	1,414
Income Tax Expense	-1,232	-1,716	1,449	1,037	191.18	359.78
Net Income	-3,731	-5,214	4,256	3,023	547.32	1,054
Net Income to Common	-3,731	-5,214	4,256	3,023	547.32	1,054
Net Income Growth	-	-	40.76%	452.39%	-48.07%	-44.64%
Basic Shares Outstanding	516	515	475	450	449	428
Diluted Shares Outstanding	516	515	476	450	450	428
Shares Change (YoY)	0.24%	8.17%	5.71%	0.04%	5.21%	0.00%
EPS (Basic)	-7.23	-10.13	8.96	6.73	1.22	2.46
EPS (Diluted)	-7.23	-10.13	8.94	6.71	1.22	2.46
EPS Growth	-	-	33.23%	451.04%	-50.50%	-44.72%
Dividend Per Share	-	-	0.700	-	-	-
Effective Tax Rate	-	-	25.39%	25.54%	25.89%	25.45%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.