Equitas Small Finance Bank Ltd (BOM:543243)

Q4 2026 Equitas Small Finance Bank Ltd Earnings Call Transcript

May 2, 2026 / 05:30 AM GMT

Transcript

Key Points

Positve

Equitas Small Finance Bank Ltd (BOM:543243) reported its highest ever quarterly PAT of Rs. 213 crores, marking a 406% year-on-year growth.
The bank's net interest margin (NIM) improved significantly to 7.29% in Q4 FY26, up from 6.72% in Q3 FY26.
Gross advances grew by 22% year-on-year, driven by robust disbursement across all verticals.
Asset quality improved with gross NPA reducing to 2.49% and net NPA to 0.68% in Q4 FY26.
The bank's capital adequacy ratio stood at a healthy 20.31%, indicating strong capital management.

Negative

The bank anticipates an increase in the cost of funds due to recent hikes in interest rates on term deposits and savings accounts.
Credit cost is expected to normalize to around 1.5% for the full year, up from the 1.11% reported in Q4 FY26.
There is potential risk from geopolitical tensions in West Asia, which could impact global supply chains and inflation.
The bank's CASA ratio remains relatively low at 26%, which could impact its cost of funds.
The bank's microfinance portfolio, which has historically had higher yields, now contributes only 10% to advances, potentially impacting overall NIM.

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

EQUI.NS - Equitas Small Finance Bank Ltd
Q4 2026 Equitas Small Finance Bank Ltd Earnings Call
May 02, 2026 / 05:30AM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, good day and welcome to the earnings call of Equitas Small Finance Bank Limited Financial Performance for Q4 FY26.

We have with us today Mr. P. N. Vasudevan, MD and CEO, Mr. Balaji N, Executive Director and Head of Operations and Information Technology, Mr. Sridharan N, CFO, Mr. Jagdish J.

Head of Assets, Mr. Murali Vaidyanathan, Senior President and Country Head, Branch Banking, Liabilities, Product and Wealth.

Mr. Gopalakrishnan Ji, Head Treasury.

Mr. Suresh, Head Strategy and Business Intelligence.

Mr. Sundaram D, Head Investor Relations. Mr. Abhishek, Specialist, Investor Relations.

As a reminder, all participant lines will be in

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