Equitas Small Finance Bank announced Q1FY26 results Profit & Loss: Net Income and Total Opex grew by 8% and 16% YoY in Q1FY26. The Bank has made Additional Standard Asset Provision (One-time Impact) of Rs 185 crore in Microfinance and Rs 145 crore for Additional NPA Provision due to change in Provisioning norms, resulting in a Loss of Rs 224 crore for the quarter. Secured loan advances forms 91% of the total advances of the Bank. Gross Advances growth remained muted at 8% YoY and flat QoQ as Microfinance loan book contracts. Non Microfinance book grew 18% YoY, led by 22% growth in SBL over previous year. Overall deposits registered a growth of 18% YoY & 3% QoQ Business Highlights: Vehicle Finance portfolio has crossed Rs 9500 crore during the quarter. Used Car Advances crossed Rs 2000 crore, registered a growth of 50% YoY. Used CV Advances registered a growth of 26% YoY. CASA ratio stable at 29%; CA balances grew 92% YoY. Retail Term Deposits posted a growth of 20% YoY to Rs 19,354 crore Key Ratios: NIM for the quarter stood at 6.55%. Cost to Income stood at 70.62% in Q1FY26 as compared to 70.28% in Q4FY25 and 65.75% in Q1FY25 Capital: Networth of the Bank stands at Rs 5,849 crore. As of June 30, 2025, Total CRAR at 20.48% | Tier I at 17.16% and Tier II at 3.32%. Tier II capital raised of Rs 500 crore in July ’25, improving CAR further by about 1.7% Treasury & Liquidity: The Bank’s Certificate of Deposit (CD) programme has highest rating at A1+ from India Ratings, CareEdge Ratings & CRISIL. Liquidity Coverage Ratio (LCR) as on 30.06.2025 is 209.5%. Profit on sale of Investments for the quarter is Rs 116 crore Asset Quality: GNPA improved by 7 bps QoQ to 2.82% in Q1FY26 as compared to 2.89% in Q4FY25. NNPA improved by 3 bps QoQ to 0.95% in Q1FY26 as compared to 0.98% in Q4FY25. Result PDF