Equitas Small Finance Bank (ESFB) has announced its plans to release its financial results for the second quarter and first half of the fiscal year 2026. The bank has scheduled a Board of Directors meeting on October 31, 2025, to consider and approve the unaudited financial results for the period ending September 30, 2025.

Key Details

Board Meeting and Financial Results

The bank's Board of Directors will convene on Friday, October 31, 2025, to review and approve the unaudited financial results for Q2 and H1 FY2026. This meeting is in compliance with Regulations 29(1) and 50(1) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.

Earnings Call

Following the board meeting, ESFB has scheduled an earnings call with investors and analysts on Saturday, November 1, 2025, at 11:00 AM. The call aims to discuss the bank's financial performance for the quarter and half-year ended September 30, 2025. P N Vasudevan, Managing Director & CEO of Equitas Small Finance Bank, along with the management team, will lead the discussion.

Trading Window Closure

In line with regulatory requirements, ESFB has closed the trading window for designated persons and their immediate relatives. The closure period is from October 1, 2025, to November 3, 2025. This measure is taken to ensure fair trading practices and prevent insider trading during the sensitive period leading up to the financial results announcement.

Investors and analysts interested in participating in the earnings call can access it through various dial-in numbers provided by the bank, including international toll-free numbers for Hong Kong, Singapore, UK, and USA.

For further details or to participate in the earnings call, interested parties are encouraged to contact the bank's Investor Relations team at ir@equitasbank.com .

Equitas Small Finance Bank (ESFB) has reported significant growth in its key financial metrics for the quarter ended September 30, showcasing resilience and improvement across various segments.

Advances and Deposits

ESFB's gross advances reached ₹39,145 crore as of September 30, marking a 4.08% quarter-on-quarter (QoQ) and 8.58% year-on-year (YoY) growth. The bank's disbursements saw a substantial improvement, rising to ₹5,381 crore, up 53% sequentially and 11% YoY.

Total deposits stood at ₹44,094 crore, growing 10.92% YoY but showing a marginal decline of 0.57% QoQ. The bank's CASA (Current Account Savings Account) deposits increased to ₹13,622 crore, improving the CASA ratio to 31% from 29% in the previous quarter.

Key Financial Metrics

The bank's cost of funds declined to 7.35% from 7.49% in the previous quarter, indicating improved financial efficiency.

Microfinance and Micro Loans

The microfinance and micro loan segment showed signs of stabilization:

• Advances stood at ₹3,414 crore, showing a 39.42% YoY decline but only a 3.46% sequential decline.
• Collection efficiency in microfinance improved to 98.56% from 97.97% in the previous quarter.
• Fresh overdue accounts in microfinance dropped significantly to ₹30.16 crore from ₹97.48 crore in April.

Asset Quality and Credit Management

ESFB took several steps to manage its asset quality:

• Sold non-performing assets worth approximately ₹216 crore to an Asset Reconstruction Company.
• The credit-deposit ratio improved to 84.14% from 79.91%.
• Net slippages in the Small Business Loan segment decreased to 2.23% from 3.22% in the previous quarter.

Loan Portfolio Composition

As of September 30, ESFB's loan portfolio comprised:

• 9% Micro Finance & Micro Loans (Unsecured)
• 91% All Other Loans (Secured)

This composition reflects the bank's focus on secured lending while maintaining a presence in the microfinance sector.

Equitas Small Finance Bank's quarterly performance demonstrates its ability to navigate challenging market conditions while focusing on growth and asset quality improvement. The significant increase in disbursements and the improvement in collection efficiency are particularly noteworthy, indicating potential for sustained growth in the coming quarters.