ESAF Small Finance Bank - Asset Resilience Ratio

Latest as of March 2024: -5.45%

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 how liquid is ESAF Small Finance Bank's working capital to evaluate short-term liquidity relative to the company's equity base.

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 Trend (2022–2023)

This chart shows how ESAF Small Finance Bank's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see how large is ESAF Small Finance Bank's balance sheet.

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. Explore ESAF Small Finance Bank long-term investment allocation to see how much of total assets are deployed in long-term investments.

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
Santander Bank Polska S.A. WAR:SPL	Banks - Regional	4.41%
Banco Santander Chile NYSE:BSAC	Banks - Regional	7.94%
Bank of Baroda NSE:BANKBARODA	Banks - Regional	-12.63%
Turkiye Is Bankasi AS Class C IS:ISCTR	Banks - Regional	-38.78%
Ringkjoebing Landbobank A/S CO:RILBA	Banks - Regional	0.03%
ABSA Bank Limited JSE:ABSP	Banks - Regional	2.72%
Mechanics Bank NASDAQ:MCHB	Banks - Regional	18.39%
Laurentian Bank Of Canada TO:LB	Banks - Regional	0.55%

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

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

$217.27 Million

Rs20.09 Billion INR

Market Cap Rank

#16316 Global

#832 in India

Share Price

Rs38.96

Change (1 day)

-0.05%

52-Week Range

Rs19.86 - Rs44.71

All Time High

Rs77.55