Microfinance Institutions company ESAF Small Finance Bank announced Q4FY25 & FY25 results Q4FY25 Financial Highlights: Total business grew by 8.6% YoY to Rs 42,919 crore in Q4FY25 as against Rs 39,527 crore in Q4FY24 Gross advances remained stable YoY to Rs 18,779 crore in Q4FY25 as against Rs 18,772 crore in Q4FY24 Total Loan Book for the quarter stood at Rs 19,643 crore, stable YoY. Of the total loan book, Micro Loan contributes 49%, Gold Loan contributes 29% and others being 21% Disbursements during Q4FY25 stood at Rs 6,878 crore as against Rs 5,266 crore in Q4FY24 The total deposits grew by 17.2% YoY to reach Rs 23,276 crore in Q4FY25 compared to Rs 19,868 crore in Q4FY24 Net Interest Income (NII) reduced to Rs 436 crore compared to Rs 591 crore in Q4FY24 on account of change in loan mix and increase in slippage. Net Interest Margin (NIM) for Q4FY25 stood at 8.08% Pre-provisioning operating profit (PPoP) in Q4FY25 reduced to Rs 91 crore from Rs.285 crore for Q4FY24. Provision Coverage improved to 80.5% as on 31 March 2025 as against 78.6% in the trailing quarter Net NPA remained stable to 2.9%. FY25 Financial Highlights: The Bank’s Net Interest Income (NII) declined 13.4% YoY to Rs 2,052 crore compared to Rs 2,370 crore during FY24, mainly due to the change in asset mix. Net Interest Margin (NIM) for FY25 stood at 8.08% compared to 11.15% in FY24 The Bank’s pre-provisioning operating profit (PPoP) for FY25 decreased by 52.1% YoY to Rs 557 crore as compared to Rs 1,163 crore in FY24. Loss After Tax for FY25 came in at (Rs 521) crore as compared to Profit After Tax Rs 426 crore in FY24. K. Paul Thomas, MD & CEO, ESAF Small Finance Bank, said: “This year marks a significant shift in our business strategy as we transition towards secured and retail asset-led growth. Our performance in FY25 reflects the early success of this strategy, particularly in the gold and secured loan segments, and in building a strong CASA base. We remain deeply committed to financial inclusion, while also embracing a technologyled future. Our ongoing investments in digital innovation, analytics, and process automation will help us scale efficiently and ensure quality portfolio expansion. As we move into FY26, we do so with cautious optimism and a sharper retail asset focus, ensuring both impact and profitability.” Result PDF