Equitas Small Finance Bank Q3FY26 Investor Presentation Released
Equitas Small Finance Bank reported Q3FY26 PAT of ₹90 crore, up 36% YoY. Gross advances reached ₹43,268 crore (up 16% YoY). NIM improved to 6.72%, and GNPA reduced to 2.62%. The bank expects an exit RoA of 1% for FY26 and targets mid-teen advance growth.
The investor presentation provides detailed financial results and forward-looking guidance, which are crucial for investors to assess the company's performance and future prospects.
The bank reported strong year-on-year growth in PAT, improved NIM, and reduced GNPA, indicating positive financial performance.
Equitas Small Finance Bank Limited has submitted an investor presentation detailing its unaudited financial results for the quarter and nine months ended December 31, 2025. The presentation is available on the bank's website.
The bank reported a Profit After Tax (PAT) of ₹90 crore for Q3FY26, a significant increase of 36% year-on-year and 273% quarter-on-quarter, compared to ₹66 crore in Q3FY25 and ₹24 crore in Q2FY26. This performance was achieved despite a one-time incremental provision of ₹29.52 crore due to the implementation of the new Labour Code.
Gross advances grew by 16% year-on-year to ₹43,268 crore, with a 11% sequential increase. Total deposits also saw a 7% year-on-year growth, reaching ₹43,668 crore. The Net Interest Margin (NIM) improved by approximately 43 basis points quarter-on-quarter to 6.72% in Q3FY26, driven by an increase in interest income from advances and a reduction in the cost of funds to 7.13% from 7.35% in Q2FY26.
Asset quality showed improvement, with Gross Non-Performing Assets (GNPA) reducing by 20 basis points quarter-on-quarter to 2.62% in Q3FY26. Net Non-Performing Assets (NNPA) reduced by 7 basis points to 0.88%. Net slippages reduced significantly by 126 basis points on a quarter-on-quarter basis, and credit cost reduced to 1.88% in Q3FY26 from 2.16% in Q2FY26.
The bank highlighted strategic actions, including restarting MFI disbursements to maintain portfolio levels, aligning MFI disbursements to a monthly repayment mode, and expanding customer acquisition in the MFI segment. For secured loans, the bank is focusing on growth in Small Business Loans (SBL), Vehicle Finance, and Gold Loans. The bank expects to achieve an exit Return on Assets (RoA) of about 1% in Q4FY26 and is targeting mid-teen growth in overall advances for FY26.
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Equitas Small Finance Bank Limited filed this with the NSE as a statutory disclosure, categorised under investor presentation. It is a primary document, not a recommendation, and the desk marks it high impact, which is the band that most often changes something.
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See the model portfoliosA plain-language summary of a public exchange filing by Equitas Small Finance Bank Limited. Read the original for the full detail.