ESAF Small Finance Bank Asset Resilience Ratio

Latest as of March 2024: -5.45%

ESAF Small Finance Bank asset resilience ratio. ESAF Small Finance Bank (ESAFSFB) has an Asset Resilience Ratio of -5.45% as of March 2024. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. See ESAFSFB defensive asset coverage days to measure how many days the company can operate on defensive assets alone.

Liquid Assets

Rs-14.22 Billion

≈ $-153.73 Million USD Cash + Short-term Investments

Total Assets

Rs260.87 Billion

≈ $2.82 Billion USD All company assets

Resilience Assessment

Low

Financial Resilience Level

Asset Resilience Ratio of ESAF Small Finance Bank (2022–2023)

Asset resilience ratio of ESAF Small Finance Bank from 2022 to 2023. This chart shows how ESAF Small Finance Bank's Asset Resilience Ratio has changed over time. Read ESAF Small Finance Bank (ESAFSFB) total liabilities for a breakdown of total debt and financial obligations.

Liquid Assets Composition Over Time

This chart breaks down ESAF Small Finance Bank's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For the complete balance sheet picture, see balance sheet size of ESAF Small Finance Bank.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	Rs0.00	0%
Short-term Investments	Rs-14.22 Billion	-5.45%
Total Liquid Assets	Rs-14.22 Billion	-5.45%

Asset Resilience Insights

Limited Liquidity: ESAF Small Finance Bank maintains only -5.45% of assets in liquid form.
This low level may indicate efficient asset utilization but could pose risks during economic downturns.
The company primarily holds liquidity in cash and equivalents rather than short-term investments.

ESAF Small Finance Bank Industry Peers by Asset Resilience Ratio

Compare ESAF Small Finance Bank's asset resilience ratio with other companies in the same industry.

Company	Industry	Asset Resilience Ratio
Societe Generale S.A. PA:GLE	Banks - Regional	11.25%
CIMB Group Holdings Bhd KLSE:1023	Banks - Regional	1.96%
WOORI FIN. GRP SP.ADR/3 F:2WGA	Banks - Regional	13.88%
Bank of Queensland Ltd AU:BOQ	Banks - Regional	0.21%
Qingdao Rural Commercial Bank Corp Class A SHE:002958	Banks - Regional	-13.48%
Graubuendner Kantonalbank SW:GRKP	Banks - Regional	-38.39%
Jeju Bank KO:006220	Banks - Regional	2.45%
Bank Multiarta Sentosa PT JK:MASB	Banks - Regional	1.29%

ESAF Small Finance Bank Asset Resilience Ratio by Year (2022–2023)

ESAF Small Finance Bank asset resilience ratio by year from 2022 to 2023. The table below shows the annual Asset Resilience Ratio data for ESAF Small Finance Bank.

Year	Asset Resilience Ratio (%)	Liquid Assets	Total Assets	Change
2023-12-31	-4.67%	Rs-12.17 Billion ≈ $-131.63 Million	Rs260.87 Billion ≈ $2.82 Billion	-0.88pp
2022-12-31	-3.79%	Rs-7.66 Billion ≈ $-82.87 Million	Rs202.24 Billion ≈ $2.19 Billion	--

pp = percentage points

About ESAF Small Finance Bank

NSE:ESAFSFB India Banks - Regional

Market Cap

$225.97 Million

Rs20.90 Billion INR

Market Cap Rank

#15917 Global

#806 in India

Share Price

Rs40.52

Change (1 day)

-4.57%

52-Week Range

Rs19.86 - Rs44.71

All Time High

Rs77.55