{
  "selected_entities": [
    {
      "id": "esaf-sfb",
      "name": "ESAF Small Finance Bank",
      "jurisdiction": "IN"
    }
  ],
  "selection_basis": "One exact covered institution, esaf-sfb; same-issuer period comparison; not a peer ranking or complete banking universe.",
  "covered_institution_count_in_this_brief": 1,
  "coverage_complete": false,
  "observation_dates": [
    "2026-03-31",
    "2026-06-30"
  ],
  "observed_numeric_facts": 20,
  "api_reconciled_numeric_facts": 10,
  "supplemental_primary_filing_numeric_facts": 10,
  "unavailable_fields_in_selected_api": [
    "cet1_pct",
    "lcr_pct"
  ],
  "missing_not_zero": true,
  "point_in_time_vintage_history": false,
  "current_intraday_liquidity": false,
  "credit_rating": false,
  "api_status": "insufficient_visibility",
  "publication_clock": "Issuer cover letter dated 2026-07-31; API publication timestamps unknown",
  "latest_observation_age_days_at_brief_date": 103,
  "limitations": [
    "One selected issuer; not a census or representative bank sample.",
    "Historical comparison is read in the July presentation; it is not a backdated publication-vintage dataset.",
    "Ratios are displayed at issuer precision; gross and net NPA denominators differ.",
    "A falling ratio does not identify recoveries or explain the contribution of provisions, sales, write-offs or loan growth.",
    "No live withdrawal, complete counterparty exposure or intraday liquidity evidence is supplied.",
    "CET1 and LCR are missing in the selected API projection, not proven absent from all issuer disclosures.",
    "The PDF was checked through official-source web text. Direct local downloads returned HTTP 403; its API-reported hash is not independently verified in this run."
  ]
}