ESAF Small Finance Bank has delivered a remarkable turnaround in Q3, returning to profitability while demonstrating significant improvements in asset quality metrics. The bank reported a net profit of 71 million rupees compared to a loss of 2.1 billion rupees in the same quarter last year, marking a substantial recovery in financial performance.

Financial Performance Recovery

The bank's financial metrics show a strong recovery trajectory with revenue reaching 8.9 billion rupees in Q3, compared to 9.5 billion rupees in the previous year. Despite the year-on-year revenue decline, the bank successfully achieved profitability through improved operational efficiency and better cost management.

Significant Asset Quality Improvement

The bank demonstrated remarkable improvement in asset quality during Q3. Gross Non-Performing Assets (GNPA) ratio improved substantially to 5.64% from 8.54% quarter-on-quarter, while Net Non-Performing Assets (NNPA) ratio declined to 2.73% from 3.83% in the previous quarter.

Earnings Conference Call Recording Available

ESAF Small Finance Bank has made available the audio recording of its earnings conference call for Q3FY26 results. The conference call was held on February 02, 2026 to discuss the financial results for the quarter and nine months ended December 31, 2025.

Strategic Business Focus

The bank's return to profitability reflects successful implementation of its strategic initiatives and improved risk management practices. The substantial improvement in asset quality metrics indicates effective collection efforts and better portfolio management during the quarter. The combination of achieving profitability alongside significant asset quality improvements positions ESAF Small Finance Bank on a stronger operational foundation.

ESAF Small Finance Bank Limited has announced a board meeting scheduled for January 30, 2026, to review and approve its quarterly financial performance. The meeting represents a key milestone in the bank's regulatory compliance and investor communication process.

Board Meeting Details

The Board of Directors will convene on Friday, January 30, 2026, with the primary agenda focusing on the unaudited standalone financial results for the quarter ended December 31, 2025. The meeting has been scheduled in accordance with Regulation 29(1) and 50(1) of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.

Trading Window Restrictions

ESAF Small Finance Bank has implemented mandatory trading restrictions in compliance with insider trading regulations. The trading window for dealing in equity shares and securities has been closed for designated persons and their immediate relatives. This closure period extends from January 1, 2026, through February 1, 2026, ending 48 hours after the financial results announcement.

The restrictions align with the bank's Code of Conduct, adopted pursuant to SEBI (Prohibition of Insider Trading) Regulations, 2015, ensuring fair market practices and preventing information asymmetry.

Regulatory Compliance and Transparency

The bank maintains transparency through multiple communication channels. The intimation regarding the board meeting has been made available on the bank's official website under the investor relations section. This accessibility ensures all stakeholders have equal access to material information.

ESAF Small Finance Bank operates under RBI License No. MUM 124 and maintains its registered and corporate office in Thrissur, Kerala. The bank continues to fulfill its listing obligations across both BSE (Scrip Code: 544020) and NSE (Symbol: ESAFSFB), demonstrating commitment to regulatory compliance and investor protection.