Capital Small Finance Bank Limited · NSE:CAPITALSFB
Capital Small Finance Bank — Q1 FY27 Earnings Presentation
33 slides from Capital Small Finance Bank's earnings presentation, Jul 24, 2026
Slide 1: Exchange intimation letter: presentation and earnings call recording
CSFB No. 2026-27/221 July 24, 2026 To, 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 Symbol: CAPIT
Slide 2: Investor Presentation Q1 FY27
STEADY TODAY STRONGER TOMORROW Investor Presentation Q1 FY27
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: Business at a Glance
Business at a Glance Asset Profile Loan Book Loan Book Growth Asset Quality Yield on Advances(%) GNPA(%): 2.47/2.75/2.54 10.9/11.1/10.8 INR 9,074 Cr Q-o-Q1: 4.5% NNPA(%): 1.14/1.39/1.24 (Q1FY27/Q1FY26/Q4FY26) (ATS – INR 0.19 Cr) Y-o-Y2: 22.0% (Q1FY27/Q1FY26/Q4FY26) Deposit Profile Deposits Deposits
Slide 5: Differentiated Bank Serving the Middle Income Segment
Differentiated Bank Serving the Middle Income Segment Advances Deposits Profitability Asset Quality 22% YoY Growth 16% YoY Growth 29% YoY Growth Best-in-Class Metrics Quarterly Update Quarterly Update Quarterly Update Quarterly Update • 4.5% QoQ growth; 22.0% YoY • 5.8% QoQ growth, 16.3% YoY • NII g
Slide 6: Performance Highlights Q1FY27
Performance Highlights Q1FY27
Slide 7: Key Financial Highlights – Q1FY27
Key Financial Highlights – Q1FY27 Gross Advances Deposits Disbursement Profit After Tax (INR Crores) (INR Crores) (INR Crores) (INR Crores) +22% +16% +17% +29% 9,074 10,596 1,009 41 7,437 9,110 865 32 Q1FY26 Q1FY27 Q1FY26 Q1FY27 Q1FY26 Q1FY27 Q1FY26 Q1FY27 ROA (%) Collection Efficiency (%) GNPA (%)
Slide 8: Asset Portfolio
Capital Small Finance Bank $3 Asset Portfolio
Slide 9: Well-Diversified Credit Portfolio – Q1FY27
Well-Diversified Credit Portfolio – Q1FY27 MSME, Trading & Other Business Loans Agricultural Loans Mortgage Loans Corporate Loans Consumption & Other Loans • Working Capital loan • Kisan Credit Card • Housing Loan • Term loan to NBFCs • Auto Loan • Gold Loan • Project Financing • Agricultural Term L
Slide 10: Diversified & Secured Advance Portfolio
Diversified & Secured Advance Portfolio ✓Diversified portfolio with each segment sustaining multiple cycles Gross Loan Book (INR Crores) AUM of Rs. 9,073.92 Crores YoY 22.0% QoQ 4.5% 9,074 7% 14% 27% Agriculture Loans CAGR 22% 8,687 7,437 Housing Loan 7,184 LAP & other Mortgage Loans 6,160 5,507 MSM
Slide 11: Industry Leading Asset Quality
Industry Leading Asset Quality ✓Focus on secured products with strong underwriting capabilities resulting in one of the lowest NPAs Asset Quality GNPA NNPA • Being PRIMARY BANKER, better visibility of 2.77% borrowers’ cash flow: follow conservative LTV 2.76% 2.75% 2.50% 2.58% 2.54% 2.47% approach •
Slide 12: Our Robust Credit Assessment & Risk Management Practices
Our Robust Credit Assessment & Risk Management Practices 2.47% 1.14% 0.31% ~Negligible write-offs GNPA as of June-26 NNPA as of June-26 Credit Cost Q1FY27 One of the most secured Asset Portfolio in the Lending Industry Historic Asset Quality Trend Write-off Credit Risk Management framework developed
Slide 13: Liability Portfolio
Capital Small Finance Bank $3 Liability Portfolio
Slide 14: Retail Focused Liability Franchise with Consistently High Share of CASA
Retail Focused Liability Franchise with Consistently High Share of CASA ✓Focus on Granular & Retail Centric Deposits, with negligible Bulk Deposits Total Deposits (INR Crores) YoY 16.3% Deposit CASA QoQ 5.8% CASA % • Deposit cost shows declining trend 5.60% in Q1FY27 (vs CAGR 19% 5.75% in Q4FY26) •
Slide 15: Financials & Key Ratios
Capital Small Finance Bank $3 Financials & Key Ratios
Slide 16: Consistently Improving Profitability
Consistently Improving Profitability Profit After Tax (INR Crores) • Net Interest Income grew by 22% YoY to INR 134 Crores (INR INR Crores 110 Crores in Q1FY26) and Non Interest Income grew by 11% YoY to INR 26 Crores (INR 23 Crores in Q1FY26) 141 +29% • PPOP (Q1FY27) growth 23% YoY basis & PAT grow
Slide 17: Statement of Profit and Loss
Statement of Profit and Loss Particulars (INR Crores) Q1FY27 Q1FY26 YoY1(%) Q4FY26 FY26 FY25 FY24 FY23 FY22 CAGR2 % Net Interest Income 134 110 22% 122 463 410 345 322 255 19% Other Income 26 23 13% 26 99 86 68 50 54 Operating expenses 95 81 17% 86 339 311 258 223 196 Pre-Provision Operating Profit
Slide 18: Return Ratios
Return Ratios Key Business Parameters Q1FY27 Q1FY26 Q4FY26 FY26 FY25 FY24 FY23 FY22 CRAR (%) CD ratio (Avg) (%) 83.0 80.9 82.3 81.3 81.4 79.0 78.0 70.6 CD ratio (Outstanding) (%) 85.6 81.6 86.7 86.7 86.3 82.4 83.9 77.5 27.4% 25.4% Yield on Advances (%) 10.9 11.1 10.8 11.0 11.2 11.1 10.8 10.9 22.3% 2
Slide 19: Statement of Assets and Liabilities
Statement of Assets and Liabilities Particulars (INR Crores) Q1FY27 Q1FY26 YoY1(%) Q4FY26 FY26 FY25 FY24 FY23 FY22 Capital & Liabilities Shareholder’s Fund2 1,488 1,376 8% 1,461 1,461 1,340 1,197 611 516 Deposits 10,596 9,110 16% 10,018 10,018 8,323 7,478 6,561 6,046 Borrowings 686 488 499 499 321 4
Slide 20: Consistently improving Financial Strength
Consistently improving Financial Strength ₹327.35 ₹36.363 1.30%/2.27% 11.20% Book Value as of June-26 EPS as of June-26 RoA/RoRWA Q1FY27 RoE Q1FY27 Remains committed for Disciplined growth, improving margins, strengthening liability traction and maintaining strong asset quality Book Year EPS2 (₹) Ro
Slide 21: Capital SFB @ 2029 – Vision
Capital SFB @ 2029 – Vision Q2FY26 From Strong to Stronger – Vision 2029 FY29 (P) Update – Q1FY27 Advance Book 7,907 Crs 16k++ Crs 9,074 Crs 2x by 2029 Below Asset Quality 1.0%/0.3% 1.14%/0.31% 1.38%/0.20% NNPA/Credit Cost* (Endeavor to keep) Branch Network 300++ 199 216 1.5x by 2029 1.26% Profitabi
Slide 22: Capital SFB 2029 – Key Focus Areas
Capital SFB 2029 – Key Focus Areas 01 02 03 04 Organic Loan Book Strengthening Growth & Secured Elevating Liability Expanding Our Brand Operational & Lending Franchise Outreach Profitability Metric • Targeting segments – • Targeting growth in line, • Scaling up new branch • Accelerating the credit-
Slide 23: About Capital Small Finance Bank
About Capital Small Finance Bank
Slide 24: LAB to India's First SFB & Towards India's Most Trusted Bank
LAB to India’s First SFB & Towards India’s Most Trusted Bank Incorporation of the Bank. Started Equity of INR 65 crores raised The Bank's total customer base Successfully listed on NSE Completed 10 years as India’s operations as local area bank in through private placement. reached ~6 lakh, with tot
Slide 25: Providing a wide Range of Products and Services
Providing a wide Range of Products and Services 01 03 Loan Portfolio Fee-based Products 04 02 Insurance Products Agricultural Kisan Credit Card Deposit Portfolio Other Services Agricultural Term Loan Forex Services MSME & Trading Money Transfer Services CC/OD/WCTL Savings Account Branches Project Lo
Slide 26: Increasing Presence to Enhance Accessibility
Increasing Presence to Enhance Accessibility Break Up of Branches, Deposits & Advances (in %) Jammu & Kashmir (UT) 3 Branches Deposits Advances Himachal Pradesh Geographies Punjab 1 Q1 Q1 Q4 Q1 Q1 Q4 Q1 Q1 Q4 175 Chandigarh (UT) FY27 FY26 FY26 FY27 FY26 FY26 FY27 FY26 FY26 2 Haryana 3 NCR 27 Rural A
Slide 27: Our Strengths Built Over 20 Years by Focusing on Customers
Our ‘Strengths’ Built Over 20 Years by Focusing on Customers Professional and Experienced Retail focused liability franchise Leadership Team with high CASA share ➢ MD & CEO, Sarvjit Singh Samra brings over 38 years of ➢ High CASA1 ratio 36.7% with 91.1% retail deposits experience ➢ Low Cost of depos
Slide 28: Enabling Seamless Digital Experiences to Our Customers
Enabling Seamless Digital Experiences to Our Customers Share of Digital Transactions in non-cash Transactions 91% 91% Q1FY26 Q1FY27 Transforming Customer Personalised Data-Driven Empowering Ourselves with Experience Processes Technology • Leverage technology and data Year on Year (%) • Deepening cus
Slide 29: Historical Performance - Deposits & Advances
Historical Performance - Deposits & Advances Total Deposits (INR Crores) FY23 FY24 FY25 FY26 FY27 CASA % 43% 42% 44% 42% 40% 38% 39% 38% 39% 37% 39% 37% 36% 34% 36% 35% 37% 40% 42% 42% 38% 37% 35% 10,596 9,931 10,018 6,162 6,185 6,700 6,561 7,064 7,000 7,482 7,478 7,778 7,780 8,384 8,323 9,110 9,317
Slide 30: Leadership Team
Capital Small Finance Bank $3 Leadership Team
Slide 31: Guided By Experience Steered by Prudence
Guided By Experience Steered by Prudence Sarvjit Singh Samra Munish Jain Managing Director & CEO Executive Director 25+ years of experience in the banking sector 38+ years of experience across banking & across finance, compliance, treasury and strategic financial industry across various roles. roles
Slide 32: Seasoned Board of Directors
Seasoned Board of Directors Mr. Navin Kumar Maini Mr. Sarvjit Singh Samra Mr. Munish Jain Managing Director & CEO Executive Director Part-time chairman & Non-executive independent director • 38+ years of experience across banking & financial industry • 42+ years of experience in the banking industry
Slide 33: Company and Investor Relations Contacts
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
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