Investor Presentaiton
Business Snapshot
++ ESAF
ESAF SMALL FINANCE BANK
Joy of Banking
5,505
Operational
ATM
25
21 States and 2 UTS
700 Banking Outlets
7.51mn Total Customers
Employees
Business Correspondents
579 ATMs
854
Customer Service Centers
2,332
615
Banking agents
Business facilitators
AUM:
17,490 cr
Asset Profile
Micro Loans - 73.5%
$
AUM Growth (YoY)
Sep-23-37%
Asset Quality
GNPA - 2.6%
Retail Loans - 17.0%
$
FY23 -32%
NNPA - 1.2%
Other Loans - 9.5%
CASA (% of total
Deposits Growth (YoY)
Liability Profile
Deposits:
deposits)
Sep-23-29%
%
* 17,416 cr
18.04%
FY23 - 14%
Financials
Yield on Advances:
Sep 30, 2023 - 21.1%*
FY23-19.6%
(CA: 1.5%, SA: 16.5%)
Concentration
Top 20 largest
Depositors 9.9%
Shareholders' Funds:
PAT:
1,979 cr
H1 FY24 270 cr
FY23-302 cr
$
CRAR 20.6%
(Tier 1 - 18.2%)
NIM:
Sep-23 11.0%*
FY23 - 10.0%
Data as of September 30, 2023, unless specified, Micro Loans comprise of microfinance loans and other micro loans, Other Loans consists of MSME loans, loan to financial, institutions and agricultural loans
*Annualized
Sep-23/FY23
ROA: 2.54%* / 1.6%
ROE: 29.32%* / 19.7%
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