ESAF Small Finance Bank (NSE:ESAFSFB)

ESAF Small Finance Bank Income Statement

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

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar 31, 2026	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Interest Income on Loans	31,170	38,622	38,185	28,536	19,399
Interest Income on Investments	4,201	-	-	-	-
Total Interest Income	35,372	38,622	38,185	28,536	19,399
Interest Paid on Deposits	18,374	18,107	14,487	10,173	7,928
Net Interest Income	16,997	20,515	23,698	18,363	11,471
Net Interest Income Growth (YoY)	-17.15%	-13.43%	29.05%	60.08%	24.47%
Gain (Loss) on Sale of Assets	-	0.94	0.9	-3.38	0.06
Gain (Loss) on Sale of Investments	-	814.94	408.17	-757.53	202.08
Other Non-Interest Income	8,111	3,855	4,008	3,641	1,874
Total Non-Interest Income	8,111	4,671	4,417	2,880	2,076
Non-Interest Income Growth (YoY)	73.64%	5.74%	53.39%	38.73%	63.13%
Revenues Before Loan Losses	25,108	25,186	28,115	21,243	13,547
Provision for Loan Losses	9,404	12,501	5,923	4,877	4,180
Revenue	15,704	12,685	22,192	16,366	9,367
Revenue Growth (YoY)	23.80%	-42.84%	35.60%	74.71%	21.14%
Salaries and Employee Benefits	6,920	6,561	3,632	2,769	2,273
Occupancy Expenses	-	1,857	1,433	1,213	945.57
Selling, General & Administrative	-	581.25	586.71	458.89	262.43
Other Non-Interest Expense	11,068	10,576	10,839	7,854	5,099
Total Non-Interest Expense	17,988	19,615	16,488	12,305	8,629
EBT Excluding Unusual Items	-2,284	-6,930	5,704	4,060	738.5
Pretax Income	-2,284	-6,930	5,704	4,060	738.5
Income Tax Expense	-620	-1,716	1,449	1,037	191.18
Net Income	-1,664	-5,214	4,256	3,023	547.32
Net Income to Common	-1,664	-5,214	4,256	3,023	547.32
Net Income Growth	-	-	40.76%	452.39%	-48.07%
Basic Shares Outstanding	515	515	475	450	449
Diluted Shares Outstanding	517	515	476	450	450
Shares Change (YoY)	0.36%	8.17%	5.71%	0.04%	5.21%
EPS (Basic)	-3.23	-10.13	8.96	6.73	1.22
EPS (Diluted)	-3.23	-10.13	8.94	6.71	1.22
EPS Growth	-	-	33.23%	451.04%	-50.50%
Dividend Per Share	-	-	0.700	-	-
Effective Tax Rate	-	-	25.39%	25.54%	25.89%

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