Equitas Small Finance Bank Reports Mixed Financial Results Amid Operational Challenges in March 2025

Equitas Small Finance Bank has recently reported its financial results for the quarter ending March 2025, revealing a complex picture of its performance. The bank's net interest income reached a notable Rs 829.42 crore, marking a consistent upward trend over the last five quarters, indicating a strengthening in its core business operations. Additionally, interest earned also peaked at Rs 1,643.97 crore, reflecting a positive trajectory in near-term sales trends.
However, the results also highlight significant challenges. The profit before tax (PBT) registered at Rs -172.16 crore, showing a decline compared to the average PBT of the previous four quarters. Similarly, profit after tax (PAT) fell to Rs 42.11 crore, which is substantially lower than the average PAT from the prior quarters. Operating profit and operating profit margin also reached their lowest points in five quarters, suggesting a decline in operational efficiency. Furthermore, the high proportion of non-operating income relative to PBT raises concerns about the sustainability of the bank's business model.

In light of these developments, Equitas Small Finance Bank has experienced adjustments in its evaluation, reflecting the mixed outcomes of its recent financial performance.

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