Esaf Small Finance Bank L
Ratios
Returns X-Ray — ROE vs ROCE vs ROA
| Year | ROE | ROA |
|---|---|---|
| FY2026 | -9.3% | -0.5% |
| FY2025 | -26.7% | -1.9% |
| FY2024 | 17.1% | 1.6% |
| FY2023 | 17.6% | 1.5% |
| FY2022 | 3.9% | 0.3% |
| FY2021 | 7.8% | 0.9% |
Computed from reported annual figures: ROE = net profit ÷ year-end equity; ROCE = (PBT + interest) ÷ (equity + borrowings); ROA = net profit ÷ total assets. Year-end balances, so values can differ slightly from sites that use averages. Educational data only.
| Period | ROE % |
|---|---|
| FY2017 | 0 |
| FY2018 | 8 |
| FY2019 | 15 |
| FY2020 | 19 |
| FY2021 | 9 |
| FY2022 | 4 |
| FY2023 | 19 |
| FY2024 | 20 |
| FY2025 | -23 |
| FY2026 | -9 |