Capital Small Finance Bank Limited · NSE:CAPITALSFB
Capital Small Finance Bank — Q2 FY26 Earnings Presentation
31 slides from Capital Small Finance Bank's earnings presentation, Oct 29, 2025
Slide 1: Exchange intimation of investor presentation
CSFB.2025-2026/338 October 29, 2025 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: Capital Small Finance Bank Limited Investor Presentation – Q2 & H1FY26
Capital Small Finance Bank Limited Investor Presentation – Q2 & H1FY26
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
Differentiated Bank Focused on Middle Income Segment As we embrace the 10th year of our current journey as SFB, we build on a legacy of over two decades (including as LAB)—rooted in trust, fueled by passion, driven by growth, and empowered by enduring, inclusive partnerships Customers (Lakhs) 2.5+ 7
Slide 5: Performance Highlights
Capital Small Finance Bank $% Performance Highlights
Slide 6: Key Highlights Q2FY26
Key Highlights Q2FY26 Gross Advances Deposits Disbursement Profit After Tax INR Crores INR Crores INR Crores INR Crores +18% YTD* 10% +20% YTD* 12% +36% YTD* 24% +5% 7,907 9,317 805 33 35 6,718 7,780 591 Q2FY25 Q2FY26 Q2FY25 Q2FY26 Q2FY25 Q2FY26 Q2FY25 Q2FY26 RoA (%) Collection Efficiency (%) GNPA (
Slide 7: Key Highlights H1FY26
Key Highlights H1FY26 Gross Advances & Deposits Disbursement PPOP Profit After Tax INR Crores YoY 20% YoY 18% INR Crores INR Crores INR Crores YTD* 12% YTD* 10% +24% +14% +6% 17,224 1,671 104 63 67 14,498 91 1,345 7,907 6,718 7,780 9,317 H1FY25 H1FY26 H1FY25 H1FY26 H1FY25 H1FY26 H1FY25 H1FY26 Gross
Slide 8: Asset Portfolio
Capital Small Finance Bank $% Asset Portfolio
Slide 9: Well-Diversified Credit Portfolio – Q2FY26
Well-Diversified Credit Portfolio – Q2FY26 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 10: Diversified & Secured Advances Portfolio
Diversified & Secured Advances Portfolio Gross Loan Book ➢ Focus on middle income customer segment, INR Crores with endeavor to be the full suite Banker YoY 18% (Portfolio ATS of INR 17.1 lacs) YTD* 10% ➢ Diversified portfolio with each segment 7,907 QoQ 6% witnessed multiple cycles CAGR 23% 7,184 7
Slide 11: Industry Leading Asset Quality
Industry Leading Asset Quality Asset Quality (%) ➢ Focus on secured products with strong underwriting capabilities resulting in one of the lowest NPAs 2.77% 2.76% 2.75% 2.70% ➢ Being PRIMARY BANKER, better visibility of 2.50% 2.58% 2.61% borrowers’ cash flow: follow conservative LTV approach 1.36% 1
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 2.7% GNPA as of Sept-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 ➢ The Bank was consciously calibrated deposit growth owing to low CD ratio and high leverage ratios. Ability Deposit CASA INR Crores to quickly ramp up deposit mobilization. YoY 20% YTD* 12% ➢ Post rate cuts in the begin of th
Slide 15: Financials & Key Ratios
Capital Small Finance Bank $% Financials & Key Ratios
Slide 16: Consistently Improving Profitability
Consistently Improving Profitability Profit After Tax ➢ Over the last quarter the impact of the interest rate decline has fully played out on advance INR Crores portfolio, whereas impact on the deposit YoY 5% repricing is yet to be fully visible. The NIM for 132 35 Q2FY24 has stood at 4.04%, against
Slide 17: Statement of Profit and Loss
Statement of Profit and Loss INR Crs. Particulars H1FY26 H1FY25 YoY1(%) Q2FY26 FY25 FY24 FY23 FY22 CAGR2 % Interest Earned 504 442 14% 256 909 794 676 579 Other Income 47 42 12% 24 86 68 50 54 Gross Total Income 551 484 14% 280 995 862 726 633 17% Interest Expended 282 242 17% 145 498 449 354 323 Op
Slide 18: Return Ratios
Return Ratios CRAR (%) Key Business Parameters Q2FY25 Q1FY26 Q2FY26 FY22 FY23 FY24 FY25 CD ratio (Avg) (%) 82.4 80.9 81.5 70.6 78.0 79.0 81.4 CD ratio (Outstanding) (%) 86.4 81.6 84.9 77.5 83.9 82.4 86.3 27.4% 25.4% 24.2% Yield on Advances (%) 11.3 11.1 11.0 10.9 10.8 11.1 11.2 18.6% 18.9% Cost of D
Slide 19: Statement of Assets and Liabilities
Statement of Assets and Liabilities Particulars (INR Cr) H1FY26 H1FY25 YoY1(%) Q1FY26 FY25 FY24 FY23 FY22 Capital & Liabilities Shareholder’s Fund2 1,391 1,266 1,376 1,340 1,197 611 516 Deposits 9,317 7,780 20% 9,110 8,323 7,478 6,561 6,046 Borrowings 577 390 488 321 472 721 498 Other Liabilities an
Slide 20: Capital SFB @2029
Capital SFB @2029 Key Focus Areas Vision 2029 1 7,907 cr 16k++ cr • Targeting segments – MSME, Mortgages and Agriculture. Advance Book Organic Loan • Expansion within the secured loan portfolio. Book Growth & Secured Lending • Initiating partnership led Business, targeting high-yielding secured loan
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 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 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 34% with 89.1% 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 87% 89% 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% 42% 42% 38% 37% 40% 40% 43% 42% 43% 42% 44% 42% 40% 38% 39% 38% 39% 37% 39% 37% 36% 34% 9,110 9,317 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 +18
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: 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
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