ESAF Small Finance Bank announced Q2FY26 results Business Growth: Total business grew 5.2% YoY to Rs 42,031 crore (Rs 39,954 crore in Q2FY25). Advances: Gross advances increased 4.3% YoY to Rs 19,137 crore (Rs 18,340 crore in Q2FY25). Micro Loans and Gold Loans each contributed 39%, with the remaining 22% from other portfolios. Disbursements during the quarter more than doubled to Rs 8,913 crore, from Rs 4,058 crore in Q2FY25. Deposits: Total deposits rose 5.9% YoY to Rs 22,894 crore (Rs 21,613 crore in Q2FY25). CASA deposits increased 14% YoY to Rs 6,046 crore (Rs 5,319 crore in Q2FY25). CASA ratio improved to 26.4% (from 24.6%). Profitability Metrics: Net Interest Income (NII): Rs 364 crore (Rs 539 crore in Q2FY25). Net Interest Margin (NIM): 5.9%. Pre-Provision Operating Profit (PPoP): Rs 93 crore (Rs 143 crore in Q2FY25). Provisions: Rs 249 crore, resulting in a quarterly loss of Rs 116 crore. Asset Quality: Provision Coverage Ratio (PCR): 74.4% (up from 73.2% in the previous quarter). Net NPA: Stable at 3.8%. Result PDF