Equitas Small Finance Bank Reports Q1 FY26 Results

Equitas Small Finance Bank (ESFB) e phatlalalitse liphetho tsa eona tsa lichelete tse sa hlahlobiloeng bakeng sa kotara e felileng ka la 30 Phuptjane 2025. Boto ea Batsamaisi e amohetse liphetho tsena kopanong e neng e tšoeroe ka la 8 Phato 2025.

Ts'ebetso ea Lichelete le Likhakanyo tsa Bohlokoa

Banka e bile le ts'ebetso e fapaneng, 'me libaka tse' maloa li bonts'a kholo ha phano ea nako e le 'ngoe e amme phaello.

Li-deposit le Tsoelo-pele: Kakaretso ea depositi e bone keketseho ea 18% ea selemo le selemo (YoY) le keketseho ea 3% kotara ho feta kotara (QoQ). Lichelete tsa nako ea thekiso li holile ka 20% YoY, li fihla ho Rs 19,354 Crs. Tsoelo-pele e kholo e holile ka 8% YoY empa e ne e le QoQ e bataletseng ka lebaka la tšitiso e hlahang bukeng ea kalimo ea microfinance. Tsoelopele eo e seng ea Lichelete tse nyane e holile ka 18% YoY. Lichelete tse sirelelitsoeng tsa kalimo ea banka li etsa 91% ea kakaretso ea eona.

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Ho rua molemo: Banka e tlalehile tahlehelo ea Rs 224 Crs bakeng sa kotara. Sena se bakiloe haholo ke tokisetso ea nako e le 'ngoe ea Rs 330 Crs. Tokisetso ena e kenyelelitse Rs 185 Crs bakeng sa lipehelo tse eketsehileng tsa thepa e tloaelehileng ho microfinance le Rs 145 Crs bakeng sa lipehelo tse ling tsa NPA ka lebaka la liphetoho ho litekanyetso tsa phepelo. Net Interest Margin (NIM) ea banka bakeng sa kotara e ne e le 6.55%, 'me karolelano ea Litšenyehelo ho Moputso e ne e le 70.62%.

Capital le Boleng ba Letlotlo: Ho tloha ka la 30 Phuptjane 2025, kakaretso ea Capital to Risk-Weighted Assets Ratio (CRAR) e ne e le 20.48%, 'me chelete ea Tier I e le 17.16% le Tier II ho 3.32%. The Net Worth ea banka e eme ho Rs 5,849 Crs. Boleng ba thepa ea banka bo ile ba ntlafala, ha Gross Non-Performing Assets (GNPA) e ntlafala ho ea ho 2.82% ho tloha 2.89% QoQ, le Net Non-Performing Assets (NNPA) e ntlafala ho ea ho 0.95% ho tloha 0.98% QoQ.

Lintlha-khōlō tsa khoebo
Ts'ebetso ea khoebo ea ESFB e tsamaisitsoe ke kholo ea li-portfolio tsa eona tsa bohlokoa.

Lichelete tsa Likoloi: Lefapha la Vehicle Finance la banka le fetile Rs 9,500 Crs nakong ea kotara. Haholo-holo, tsoelo-pele ea koloi e sebelisitsoeng e holile ka 50% YoY, e tšela Rs 2,000 Crs, le Used Commercial Vehicle (CV) tsoelo-pele e holile ka 26% YoY.

CASA le Liquidity: Karolelano ea Current Account Savings Account (CASA) e ile ea lula e tsitsitse ho 29%, 'me litekanyo tsa Current Account (CA) li eketsehile ka 92% YoY. Liquidity Coverage Ratio (LCR) ea banka e ne e le 209.5% ho tloha ka la 30 Phuptjane 2025. Lenaneo la banka la Setifikeiti sa Deposit (CD) le tšoere lintlha tse phahameng ka ho fetisisa tsa A1+ ho tsoa India Ratings, CareEdge Ratings, le CRISIL.