Investor Presentaiton
Profit & Loss Statement - Q2 & H1 FY24
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++ ESAF
ESAF SMALL FINANCE BANK
Joy of Banking
Particulars (Crs)
Interest Income
Interest Expense
Net of Interest Income
Other Income
Q2 FY24
Q2 FY23
Y-o-Y
Q1 FY24
Q-o-Q
H1 FY24
H1 FY23
Y-o-Y
943.3
688.2
37.1%
898.8
5.0%
1,842.0
1,378.5
33.6%
346.8
250.9
38.2%
313.3
10.7%
660.1
492.5
34.0%
596.5
437.3
36.4%
585.5
1.9%
1,182.0
886.0
33.4%
79.0
65.0
21.4%
93.0
-15.1%
172.0
113.1
52.2%
Total Income, Net of Interest Expense
675.5
502.3
34.5%
678.5
-0.4%
1,354.0
999.1
35.5%
Employee Benefits Expense
89.1
70.6
26.2%
79.9
11.5%
169.0
131.6
28.4%
Depreciation and Amortization Expense
12.3
10.2
20.4%
12.3
0.2%
24.6
20.3
20.9%
Other Expenses
284.5
210.6
35.0%
285.7
-0.4%
570.1
411.0
38.7%
Operating Expense
385.8
291.5
32.4%
377.8
2.1%
763.7
563.0
35.7%
Pre-Provision Operating Profit
289.7
210.8
37.4%
300.7
-3.7%
590.3
436.1
35.4%
Provisions
101.4
133.7
-24.2%
126.9
-20.1%
228.3
217.3
5.0%
Profit before tax
188.3
77.1
144.1%
173.7
8.4%
362.0
218.8
65.5%
Tax Provisions
48.2
19.6
146.4%
43.8
10.0%
92.0
55.3
66.4%
Profit After Tax
140.1
57.6
143.3%
130.0
7.8%
270.1
163.6
65.1%
Earnings Per Share Diluted
3.1
1.3
143.0%
2.9
7.6%
6.0
3.6
65.3%
Breakup of Other Income
Loan Processing Fees
30.5
18.6
64.1%
45.2
-32.6%
75.7
42.8
76.9%
Profit on sale of investments (Net)
3.7
6.0
-39.5%
6.2
-41.2%
9.9
10.5
-5.7%
Profit on revaluation of investments (Net)
-4.9
0.1
5.2
-194.5%
0.3
-30.3
Recovery on written off loan
9.5
14.0
-32.3%
0.3
3171.5%
9.8
28.9
-66.1%
PSLC Income
7.2
6.0
19.5%
9.0
-20.2%
16.2
22.4
-27.7%
Account maintenance charge
2.6
1.8
41.7%
1.6
62.3%
4.2
2.9
43.0%
Third Party Product Income
Other charges
Total
5.1
4.1
23.9%
7.7
-33.5%
12.9
7.6
70.2%
25.4
14.3
77.9%
17.8
43.0%
43.2
28.4
52.2%
79.0
65.0
21.4%
93.0
-15.1%
172.0
113.1
52.2%
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