Capital Small Finance Bank Limited · NSE:CAPITALSFB
Capital Small Finance Bank — Q1 FY26 Earnings Presentation
32 slides from Capital Small Finance Bank's earnings presentation, Jul 25, 2025
Slide 1: Exchange cover letter for earnings call presentation
CSFB. 2025-26/194 July 25, 2025 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, 951995 & 953739
Slide 2: Investor Presentation – Q1 FY26
Capital Small Finance Bank Limited Investor Presentation – Q1 FY26 Growth in Action Trust in Motion
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: Performance Highlights – Q1FY26
Performance Highlights – Q1FY26 Management Commentary, Mr. Sarvjit Samra, Managing Director & CEO: “We are pleased to present the financial results of Capital Small Finance Bank for the quarter ended June 30, 2025, a period marked by stronger deposit growth, healthy credit growth and stable interest
Slide 5: Differentiated Bank Focused on Middle Income Segment
Differentiated Bank Focused on Middle Income Segment As we enter the 9th year of our current journey, we build on a legacy of over two decades—rooted in trust, fueled by passion, driven by growth, and empowered by enduring, inclusive partnerships Customers (Lakhs) Asset Quality (%) 2.5+ 7.8+ PAT (Cr
Slide 6: Performance Highlights
Capital Small Finance Bank $% Performance Highlights
Slide 7: Key Highlights Q1FY26
Key Highlights Q1FY26 Gross Advances Deposits Disbursement Profit After Tax INR Crores INR Crores INR Crores INR Crores +16% +17% +15% +7% 7,437 9,110 865 30 32 6,391 7,778 754 Q1FY25 Q1FY26 Q1FY25 Q1FY26 Q1FY25 Q1FY26 Q1FY25 Q1FY26 RoA (%) Collection Efficiency (%) GNPA (%) NNPA (%) 1.2% 100.8% 2.7
Slide 8: Key Highlights FY25
Key Highlights FY25 Gross Advances Deposits Disbursement Profit After Tax INR Crores INR Crores INR Crores INR Crores +17% +11% +38% +18% 7,184 8,323 2,846 132 6,160 7,478 112 2,068 FY24 FY25 FY24 FY25 FY24 FY25 FY24 FY25 RoA (%) Collection Efficiency (%) GNPA (%) NNPA (%) 1.4% 98.7% 2.6% 1.3% Vs Vs
Slide 9: Asset Portfolio
Capital Small Finance Bank $% Asset Portfolio
Slide 10: Well-Diversified Credit Portfolio - Q1FY26
Well-Diversified Credit Portfolio - Q1FY26 MSME, Trading & other Consumption & Other Loans Agricultural Loans Mortgage Loans Business Loans Corporate 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 11: Diversified & Secured Advances Portfolio
Diversified & Secured Advances Portfolio Gross Loan Book INR Crores YoY 16% QoQ 4% ➢ Focus on middle income customer segment, CAGR 23% 7,437 with endeavor to be the full suite Banker 7,184 7,184 6,391 (Portfolio ATS of INR 16.6 lacs) 6,160 5,507 4,689 ➢ Diversified portfolio with each segment witnes
Slide 12: Industry Leading Asset Quality
Industry Leading Asset Quality Asset Quality (%) ➢ Focus on secured products with strong underwriting capabilities resulting in one of 2.77% 2.76% 2.75% the lowest NPAs 2.58% 2.69% 2.50% ➢ Being PRIMARY BANKER, better visibility of borrowers’ cash flow: follow conservative LTV 1.36% 1.36% 1.40% 1.30
Slide 13: 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 2.7% GNPA as of June-25 Well-defined credit assessment matrix based on Assessment Matrix risk profile of the borrowers Ris
Slide 14: Liability Portfolio
Liability Portfolio
Slide 15: Retail Focused Liability Franchise with High Share of CASA
Retail Focused Liability Franchise with High Share of CASA Total Deposits ➢ Consciously calibrated deposit growth owing to low CD ratio and high leverage ratio. INR Crores YoY 17% ➢ Ability to quickly ramp up deposit CASA % QoQ 9% mobilization. Post recent interest rate cut, 9,110 Bank has accelerat
Slide 16: Financials & Key Ratios
Capital Small Finance Bank $% Financials & Key Ratios
Slide 17: Consistently Improving Profitability
Consistently Improving Profitability Profit After Tax ➢ NIM maintained at 4.1%, despite the declining INR Crores interest rate regime. YoY 7% ➢ PPOP grown by 24%, supported by increase in non-interest income by 38% and reduction in 132 32 cost-to-income ratio to 60.5%. 30 CAGR 28% 112 ➢ Credit cost
Slide 18: Statement of Profit and Loss
Statement of Profit and Loss Net Interest Income +11% INR Crs. 99 110 Particulars Q1FY25 Q1FY26 YoY1(%) Q4FY25 FY25 FY24 FY23 FY22 CAGR2 % Interest Earned 218 247 13% 231 909 794 676 579 Q1FY25 Q1FY26 Other Income 17 23 38% 26 86 68 50 54 Non-Interest Income +38% Gross Total Income 235 270 15% 257 9
Slide 19: Return Ratios
Return Ratios CRAR (%) Key Business Parameters Q1FY25 Q4FY25 Q1FY26 FY22 FY23 FY24 FY25 CD ratio (Avg) (%) 79.6 82.5 80.9 70.6 78.0 79.0 81.4 CD ratio (Outstanding) (%) 82.2 86.3 81.6 77.5 83.9 82.4 86.3 27.4% 25.4% 24.5% Yield on Advances (%) 11.2 11.0 11.1 10.9 10.8 11.1 11.2 18.6% 18.9% Cost of D
Slide 20: Statement of Assets and Liabilities
Statement of Assets and Liabilities Particulars (INR Cr) Q1FY25 Q1FY26 YoY1(%) Q4FY25 FY25 FY24 FY23 FY22 Capital & Liabilities Net Worth 1,233 1,376 12% 1,340 1,340 1,197 611 516 Deposits 7,778 9,110 17% 8,323 8,323 7,478 6,561 6,046 Borrowings 466 488 321 321 472 721 498 Other Liabilities and Prov
Slide 21: Strategies and Focus Areas
Strategies and Focus Areas Primary Banker to our customers Key Focus Areas Organic Loan Book Growth Elevating Liability Expanding Our Brand Strengthening Operational and Secured Lending Franchise Outreach and Profitability Metrics • Targeting existing segments – • Utilizing brand strength to • Scali
Slide 22: About Capital Small Finance Bank
About Capital Small Finance Bank
Slide 23: 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 24: 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 25: Increasing Presence to Enhance Accessibility
Increasing Presence to Enhance Accessibility Expansion Plans 2 Jammu & Kashmir (UT) ➢ Enhanced branch outreach by scaling up new branch opening 1 164 Himachal Punjab Pradesh ➢ Expanding outreach to the contiguous states 3 2 NCR Chandigarh ➢ Transforming Haryana into our growth frontier (UT) 3 Rajast
Slide 26: Our Strengths Built 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 89.5% retail deposits experience ➢ Low Cost of funds a
Slide 27: 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 89% 91% Transforming Customer Personalised Data-Driven Empowering Ourselves with Experience Processes Technology • Leverage technology and data • Deepening customer engagement • Increa
Slide 28: Historical Performance - Deposits & Advances
Historical Performance - Deposits & Advances Total Deposits FY22 FY23 FY24 FY25 FY26 INR Crores CASA % 40% 42% 42% 38% 37% 40% 40% 43% 42% 43% 42% 44% 42% 40% 38% 39% 38% 39% 37% 39% 37% 36% 9,110 +18% CAGR 6,059 6,046 6,700 7,482 7,478 8,384 8,323 5,483 5,571 6,162 6,185 6,561 7,064 7,000 7,778 7,7
Slide 29: Leadership Team
Capital Small Finance Bank $% Leadership Team
Slide 30: 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 31: 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 32: Growth in Action Trust in Motion
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 — Q1 FY26 Earnings Presentation on 6ix