Capital Small Finance Bank Limited · NSE:CAPITALSFB
Capital Small Finance Bank — Q3 FY26 Earnings Presentation
31 slides from Capital Small Finance Bank's earnings presentation, Jan 29, 2026
Slide 1: Exchange filing cover letter for investor presentation
CSFB.2025-2026/487 January 29, 2026 BSE Limited National Stock Exchange of India Limited Listing Compliance The Listing Department, Phiroze Jeejeebhoy Towers Exchange Plaza, Dalal Street Bandra Kurla Complex, Mumbai 400 001 Mumbai - 400 051 Maharashtra Maharashtra Scrip Code: 544120, 951995 & 953739
Slide 2: Investor Presentation – Q3 & 9M FY26
Capital Small Finance Bank Limited Investor Presentation – Q3 & 9M FY26
Slide 3: Safe Harbour
Safe Harbour This presentation and the accompanying slides (the “Presentation”), which have been prepared by Capital Small Finance Bank Limited (the “Company”), have been prepared solely for information purposes and do not constitute any offer, recommendation or invitation to purchase or subscribe f
Slide 4: Differentiated Bank Focused on Middle Income Segment | Quarter Update
Differentiated Bank Focused on Middle Income Segment | Quarter Update Advances Asset Quality (%) Deposit Profitability YoY^ 19.8% YoY^ 18.5% YoY^ 12.6%* Quarterly Update Quarterly Update Quarterly Update Quarterly Update ➢ Growth of 20% YoY basis and 3% QoQ basis ➢ Gross NPA and Net NPA improved to
Slide 5: Performance Highlights
Performance Highlights
Slide 6: Key Highlights Q3FY26
Key Highlights Q3FY26 Gross Advances Deposits Disbursement PPOP Profit After Tax INR Crores INR Crores INR Crores INR Crores INR Crores +20% +18% +25% +20%* +13%* 8,164 9,931 919 57*/52 38*/34 6,816 8,384 48 34 737 Q3FY25 Q3FY26 Q3FY25 Q3FY26 Q3FY25 Q3FY26 Q3FY25 Q3FY26 Q3FY25 Q3FY26 RoA (%) Collect
Slide 7: Key Highlights 9MFY26
Key Highlights 9MFY26 Gross Advances & Deposits PPOP INR Crores YoY 18% YoY 20% INR Crores +16%* 161*/156 18,095 139 15,200 8,164 6,816 8,384 9,931 9MFY25 9MFY26 9MFY25 9MFY26 Gross advances Deposit Disbursement Profit After Tax INR Crores INR Crores +24% +8%* 2,590 105*/101 97 2,081 9MFY25 9MFY26 9
Slide 8: Asset Portfolio
Asset Portfolio
Slide 9: Well-Diversified Credit Portfolio – Q3FY26
Well-Diversified Credit Portfolio – Q3FY26 MSME, Trading & other Agricultural Loans Mortgage Loans Business Loans Corporate Loans Consumption & Other Loans • Kisan Credit Card • Housing Loan • Working Capital loan • Term loan to NBFC’S • Auto Loan • Gold Loan • Project Financing • Term Loan to MFI’S
Slide 10: Diversified & Secured Advances Portfolio
Diversified & Secured Advances Portfolio Gross Loan Book ➢ Diversified portfolio with each segment witnessed multiple cycles INR Crores YOY 20% ➢ Continued focused on secured lending with QoQ +3% ~99% being secured 7,907 8,164 CAGR 23% 7,184 6,816 ➢ The growth driver for the quarter is MSME/ 6,160 B
Slide 11: Industry Leading Asset Quality
Industry Leading Asset Quality Asset Quality (%) ➢ Focus on secured products with strong 2.77% 2.76% underwriting capabilities resulting in one of the 2.58% 2.67% 2.70% 2.68% 2.50% lowest NPAs ➢ Being PRIMARY BANKER, better visibility of 1.36% 1.36% 1.40% 1.35% 1.38% 1.35% borrowers’ cash flow: foll
Slide 12: Our Robust Credit Assessment and Risk Management Practices
Our Robust Credit Assessment and Risk Management Practices Industry Leading Asset Quality Dedicated customer relationship team to Engagement maintain healthy customer engagement 2.68% GNPA as of Dec-25 Well-defined credit assessment matrix based on Assessment Matrix risk profile of the borrowers Ris
Slide 13: Liability Portfolio
Liability Portfolio
Slide 14: Retail Focused Liability Franchise with High Share of CASA
Retail Focused Liability Franchise with High Share of CASA Total Deposits Deposit CASA ➢ The Bank was consciously calibrated deposit growth INR Crores YoY 19% owing to low CD ratio and high leverage ratios. Ability to quickly ramp up deposit mobilization. QoQ +7% ➢ Post rate cuts in the begin of the
Slide 15: Financials & Key Ratios
Financials & Key Ratios
Slide 16: Consistently Improving Profitability
Consistently Improving Profitability Profit After Tax ➢ Net Interest Income grew by 11% YoY to Rs. 119 INR Crores cr (Rs. 107 cr in Q3FY25 ) and Non Interest Income grew YoY 13%* by 46% YoY to Rs. 27 cr (Rs. 18 cr in Q3FY25) 132 38*/34 ➢ Opex growth during Q3/9MFY26 is consequent CAGR 28% 112 34 to
Slide 17: Statement of Profit and Loss
Statement of Profit and Loss INR Crs. Particulars Q3FY26 Q3FY25 YoY1(%) Q2FY26 9MFY26 FY25 FY24 FY23 FY22 CAGR2 % Interest Earned 272 235 16% 256 775 909 794 676 579 Other Income 27 18 46% 24 74 86 68 50 54 Gross Total Income 299 253 18% 280 849 995 862 726 633 17% Interest Expended 153 128 20% 145
Slide 18: Return Ratios
Return Ratios Key Business Parameters Q3FY26 Q2FY26 Q3FY25 FY25 FY24 FY23 FY22 CRAR (%) CD ratio (Avg) (%) 80.4 81.5 81.1 81.4 79.0 78.0 70.6 CD ratio (Outstanding) (%) 82.2 84.9 81.3 86.3 82.4 83.9 77.5 27.4% 25.4% 21.6% Yield on Advances (%) 11.0 11.0 11.4 11.2 11.1 10.8 10.9 18.6% 18.9% Cost of D
Slide 19: Statement of Assets and Liabilities
Statement of Assets and Liabilities Particulars (INR Cr) Q3FY26 Q3FY25 YoY1(%) Q2FY26 FY25 FY24 FY23 FY22 Capital & Liabilities Shareholder’s Fund2 1,429 1,302 1,391 1,340 1,197 611 516 Deposits 9,931 8,384 18% 9,317 8,323 7,478 6,561 6,046 Borrowings 566 354 577 321 472 721 498 Other Liabilities an
Slide 20: Capital SFB @2029 (Q3FY26 tracker)
Capital SFB @2029 (Q3FY26 tracker) Key Focus Areas Vision 2029 Update Q3FY26 1 • Targeting segments – MSME, Mortgages and 7,907 cr 16k++ cr 8,164 cr Agriculture. Advance Book Organic Loan Book Growth & Secured Lending • Expansion within the secured loan portfolio. • Initiating partnership led Busine
Slide 21: About Capital Small Finance Bank
About Capital Small Finance Bank
Slide 22: LAB to India’s First SFB & Towards India’s Most Trusted Bank
LAB to India’s First SFB & Towards India’s Most Trusted Bank 2000- 2017- 2016 2015 2018 Local Area Bank Small Finance Bank Equity of INR 65 crores raised Incorporation of the Bank. Started operations as a local area Conversion to India’s First Small through private placement. bank in Jalandhar, Kapu
Slide 23: Providing a wide Range of Products and Services
Providing a wide Range of Products and Services Loan Portfolio Deposit Portfolio Fee-based Products Other Services Agricultural Savings Account Kisan Credit Card Capital Savings A/c Branches Agricultural Term Loan Capital Super Savings A/c Insurance Products ATMs MSME & Trading Current Account Forex
Slide 24: Increasing Presence to Enhance Accessibility
Increasing Presence to Enhance Accessibility Expansion Plans 3 Jammu & Kashmir (UT) ➢ Enhanced branch outreach by scaling up new branch opening 1 165 Himachal Punjab Pradesh ➢ Expanding outreach to the contiguous states 3 2 NCR Chandigarh ➢ Transforming Haryana into our growth frontier (UT) 5 Rajast
Slide 25: Our ‘Strengths’ Build Over 20 Years by Focusing on Customers
Our ‘Strengths’ Build Over 20 Years by Focusing on Customers Professional and Retail focused liability franchise with Experienced Leadership Team high CASA share ➢ MD & CEO, Sarvjit Singh Samra brings over 37 years of ➢ High CASA1 ratio 36% with 90.2% retail deposits experience ➢ Low Cost of deposit
Slide 26: Enabling Seamless Digital Experiences to Our Customers
Enabling Seamless Digital Experiences to Our Customers Share of Digital Transactions in non-cash Transactions Q-o-Q 88% 91% Transforming Customer Personalised Data-Driven Empowering Ourselves with Experience Processes Technology • Leverage technology and data • Deepening customer engagement • Increa
Slide 27: Historical Performance - Deposits & Advances
Historical Performance - Deposits & Advances Total Deposits FY22 FY23 FY24 FY25 FY26 INR Crores CASA % 40% 40% 43% 42% 43% 42% 44% 42% 40% 38% 39% 38% 39% 37% 39% 37% 36% 34% 36% 40% 42% 42% 38% 37% 9,931 5,483 5,571 6,059 6,046 6,162 6,185 6,700 6,561 7,064 7,000 7,482 7,478 7,778 7,780 8,384 8,323
Slide 28: Leadership Team
Capital Small Finance Bank $% Leadership Team
Slide 29: Experienced Management Team
Experienced Management Team Sarvjit Singh Samra Munish Jain Managing Director, Promoter and CEO Executive Director 37+ years of experience across banking & 24+ years of experience in the banking sector financial industry across various roles. across finance, compliance, treasury and Associated with
Slide 30: Seasoned Board of Directors
Seasoned Board of Directors Mr. Navin Kumar Maini Mr. Sarvjit Singh Samra Mr. Munish Jain Part-time chairman & Non-executive independent Managing Director & CEO Executive Director director • 41+ years of experience in the banking industry • 37+ years of experience across banking & financial industry
Slide 31: Company contact and investor relations details
Company: Capital Small Finance Bank Limited CIN: L65110PB1999PLC022634 Mr. Sahil Vijay / Ms. Bharti Babutta investorrelations@capitalbank.co.in Website: www.capitalbank.co.in Investor Relation Advisors: Strategic Growth Advisors Pvt. Ltd. CIN: U74140MH2010PTC204285 Mr. Abhishek Shah / Ms. Neha Shrof
Capital Small Finance Bank — Q3 FY26 Earnings Presentation on 6ix