ESAF SMALL FINANCE BANK
Quarterly Results Analysis [Mar2024]
ESAF SMALL FINANCE BANK Quarterly Results
Standalone | Mar2024 UnAudited |
Dec2023 Audited |
Sep2023 Audited |
Mar2023 UnAudited |
Dec2022 Audited |
Sep2022 Audited |
---|---|---|---|---|---|---|
Interest Earned | ₹1,002 Cr | ₹974 Cr | ₹943 Cr | ₹774 Cr | ₹701 Cr | ₹688 Cr |
Other Income | ₹150 Cr | ₹120 Cr | ₹79 Cr | ₹94 Cr | ₹81 Cr | ₹65 Cr |
Interest Expended | ₹411 Cr | ₹377 Cr | ₹347 Cr | ₹275 Cr | ₹250 Cr | ₹251 Cr |
Expenses | ₹456 Cr | ₹429 Cr | ₹386 Cr | ₹374 Cr | ₹293 Cr | ₹291 Cr |
Operating Income | ₹285 Cr | ₹288 Cr | ₹290 Cr | ₹219 Cr | ₹239 Cr | ₹211 Cr |
Provisions and contingencies | ₹226 Cr | ₹138 Cr | ₹101 Cr | ₹82 Cr | ₹188 Cr | ₹134 Cr |
Profit Before Tax | ₹59 Cr | ₹150 Cr | ₹188 Cr | ₹136 Cr | ₹51 Cr | ₹77 Cr |
Profit After Tax | ₹43 Cr | ₹112 Cr | ₹140 Cr | ₹101 Cr | ₹37 Cr | ₹58 Cr |
% of Net NPAs | 2.26 | 2.19 | 1.19 | 1.13 | 3.73 | 4.34 |
% of Gross NPAs | 4.76 | 4.16 | 2.64 | 2.49 | 7.24 | 8.11 |
EPS | ₹0.84 | ₹2.18 | ₹3.12 | ₹2.26 | ₹0.83 | ₹1.28 |
Industry Peers & Returns | 1W | 1M | 1Y |
ESAF SMALL FINANCE BANK | -0.5% | -8.9% | NA |
HDFC BANK | 1.4% | -4.8% | -10.6% |
ICICI BANK | -0.4% | 5.1% | 20.3% |
KOTAK MAHINDRA BANK | 2.8% | -5.4% | -11.1% |
AXIS BANK | 0.9% | 10.5% | 24.9% |
INDUSIND BANK | -0.8% | -5.2% | 14.7% |
IDBI BANK | 4.7% | 5.1% | 52% |
YES BANK | 2.9% | -2.9% | 46.7% |
IDFC FIRST BANK | 0.7% | -5.4% | 15.7% |
ESAF SMALL FINANCE BANK Quarterly Net Interest Income
[ Net Interest Income = Interest Earned - Interest Expended ]Net Interest Income | |
---|---|
Q-o-Q | -1.04 % |
Y-o-Y | 30.89 % |
Quarters | Net Interest Income | % Change | |
---|---|---|---|
Mar2024 | ₹591 Cr | -1.04 | |
Dec2023 | ₹597 Cr | 0.08 | |
Sep2023 | ₹597 Cr | 19.57 | |
Mar2023 | ₹499 Cr | 10.53 | |
Dec2022 | ₹451 Cr | 3.22 | |
Sep2022 | ₹437 Cr | - |
ESAF SMALL FINANCE BANK Quarterly Operating Profit
Operating Profit | |
---|---|
Q-o-Q | -1.05 % |
Y-o-Y | 19.07 % |
Quarters | Operating Profit | % Change | |
---|---|---|---|
Mar2024 | ₹285 Cr | -1.05 | |
Dec2023 | ₹288 Cr | -0.68 | |
Sep2023 | ₹290 Cr | 32.56 | |
Mar2023 | ₹219 Cr | -8.61 | |
Dec2022 | ₹239 Cr | 13.40 | |
Sep2022 | ₹211 Cr | - |
Operating Margins | |
---|---|
Q-o-Q | 0.00 % |
Y-o-Y | -9.02 % |
Quarters | Operating Margin% | % Change | |
---|---|---|---|
Mar2024 | 48.19% | 0.00 | |
Dec2023 | 48.19% | -0.76 | |
Sep2023 | 48.56% | 10.87 | |
Mar2023 | 43.8% | -17.31 | |
Dec2022 | 52.97% | 9.85 | |
Sep2022 | 48.22% | - |
ESAF SMALL FINANCE BANK Quarterly Profit After Tax
Profit After Tax(PAT) | |
---|---|
Q-o-Q | -61.34 % |
Y-o-Y | 15.88 % |
Quarters | Profit After Tax | % Change | |
---|---|---|---|
Mar2024 | ₹43 Cr | -61.34 | |
Dec2023 | ₹112 Cr | -19.97 | |
Sep2023 | ₹140 Cr | 38.21 | |
Mar2023 | ₹101 Cr | 171.00 | |
Dec2022 | ₹37 Cr | -35.03 | |
Sep2022 | ₹58 Cr | - |
PAT Margins | |
---|---|
Q-o-Q | -62.38 % |
Y-o-Y | -18.76 % |
Quarters | PAT Margin(%) | % Change | |
---|---|---|---|
Mar2024 | 4.33 % | -62.38 | |
Dec2023 | 11.51 % | -22.49 | |
Sep2023 | 14.85 % | 13.36 | |
Mar2023 | 13.1 % | 145.78 | |
Dec2022 | 5.33 % | -36.32 | |
Sep2022 | 8.37 % | - |
ESAF SMALL FINANCE BANK Quarterly Earnings Per Share (EPS)
EPS | |
---|---|
Q-o-Q | -61.47 % |
Y-o-Y | 1.20 % |
Quarters | EPS | % Change | |
---|---|---|---|
Mar2024 | ₹0.84 | -61.47 | |
Dec2023 | ₹2.18 | -30.13 | |
Sep2023 | ₹3.12 | 38.05 | |
Mar2023 | ₹2.26 | 172.29 | |
Dec2022 | ₹0.83 | -35.16 | |
Sep2022 | ₹1.28 | - |
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