Equitas Small Finance Bank Ltd (BOM:543243)

Q2 2026 Equitas Small Finance Bank Ltd Earnings Call Transcript

Nov 1, 2025 / 05:30 AM GMT

Transcript

Key Points

Positve

Equitas Small Finance Bank Ltd (BOM:543243) reported a significant improvement in credit cost, reducing it to 2.16% in Q2 FY26 from 6.48% in Q1 FY26.
The bank's gross advances grew by 9% year-on-year to 39,123 crores, with a notable 17% growth in the non-MFI book.
The bank's capital adequacy ratio remains strong at 20.74%, further strengthened by a recent capital raise.
Equitas Small Finance Bank Ltd (BOM:543243) has successfully expanded its gold loan offerings, now available in over 200 branches, contributing to a book of about 400 crores.
The bank's retail deposits constitute 75% of the total deposit base, indicating a stable and growing customer base.

Negative

The net interest margin contracted to 6.29% from 7.69% in the same quarter last year, reflecting a reduction in the microfinance portfolio.
The microfinance portfolio contracted by 40%, impacting the overall yield on advances.
Gross NPA remains stable at 2.82%, but the net NPA is at 0.95%, indicating room for improvement in asset quality.
The bank reported a low return on assets of 0.18% and return on equity of 1.65%, suggesting challenges in profitability.
The bank's net interest income declined due to a reduction in the microfinance mix, impacting overall financial performance.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

EQUI.NS - Equitas Small Finance Bank Ltd
Q2 2026 Equitas Small Finance Bank Ltd Earnings Call
Nov 01, 2025 / 05:30AM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, good morning and welcome to Hos Call of Equita Small Finance Bank Limited.

Financial performance of Q2 F 526.

We have with us today Mr. Pan Vasudevan, MD and CEO Mr. Shi and CFO, Mr. Jagdesh J, head of assets, Mr. Murali Baanathan, senior President and country head.

Banking branch banking liability, product and wealth. Mr. Gopal Christianj, head treasury, Mr. Suresh, He strategy and Business intelligence. Mr.

Sundaramman D Head investor relations, Mr. Abhishek, specialist in investor relations.

As a reminder, all participant lines will be in the less only mode, and there will be an opportunity for you to ask questions after the presentation

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