ESAF Small Finance Bank Ltd.

SECTOR: Bank - Private  1307   0   0

The company is currently not listed and is under IPO, so all the data might not be available.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

Ratios

ROE%

1 Year8.65%
3 Year14.17%
5 Year10.21%

ROA%

1 Year0.97%
3 Year1.6%
5 Year1.11%

Net NPA%

1 Year3.88%
3 Year1.76%
5 Year1.65%

 NIM

1 Year7.73%
3 Year8.24%
5 Year6.27%

CAR %

24.23

Cost of Liabilities %

6.72919979060032

PEG Ratio

0

Advances Growth %

24.7374470472777

 Strengths

  • Company has a good Return on Equity (ROE) track record: 3 Years ROE 14.1674773380419%.
  • The company has been consistently maintaining a NIM of 8.23839536522109% since last 3 years.
  • Good Capital Adequacy Ratio of 24.23%.
  • The company has delivered good Income growth of 40.0976249034355% over the past 3 years.
  • Strong Advances growth of 37.3074742377145% in the last 3 years.

 Limitations

  • Net NPA has increased by 3.24% YoY
  • Low CASA Ratio of 19.4195163113736%.
  • Low other Income proportion of 7.68377252123938%.
  • High Cost to income ratio of 60.3090594113745%.
  • Increase in Provision and contingencies of 131.138179300281% on YoY.

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Interest Earned 29.39 596.84 1031.64 1413.25 1641.17
Other Income 18.82 101.86 109.15 133.19 126.1
Interest Expended 16.11 314.82 458.28 621.06 719.58
Operating Expenses 23.41 306.29 453.39 600.68 631.86
Total Provisions 6.5 50.6 138.83 134.31 310.44
Profit Before Tax 2.19 26.99 90.28 190.39 105.4
Taxes 1.43 0 0 0 0
Net Profit 0.76 26.99 90.28 190.39 105.4
Adjusted EPS (Rs.) 0.03 0.87 2.11 4.45 2.34

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Equity and Liabilities
Share Capital 301.56 311.95 427.8 427.8 449.47
Total Reserves 4.2 31.4 465.9 656.29 902.59
Deposits 409.34 2523.09 4317.01 7028.38 8999.43
Borrowings 2052.85 1674.65 1702.36 1203.32 1694
Other Liabilities 170.52 183.04 144.43 154.19 293.16
Total Liabilities 2938.47 4724.13 7057.49 9469.97 12338.65
Assets
Balance with RBI 106.86 438.46 246.74 304.77 428.07
Balance with Banks 449.32 259.33 534.72 598.02 1391.05
Investments 579.2 731.86 1530.75 1733.63 1932.07
Advances 1481.72 3155.09 4548.25 6547.82 8167.59
Net Block 30.86 60.3 85.67 115.91 132.61
Other Assets 288.47 70.7 107.09 165.63 281.36
Total Assets 2938.47 4724.13 7057.49 9469.97 12338.65
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

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