Capital Small Finance Bank Limited · NSE:CAPITALSFB
Capital Small Finance Bank — Q3 FY25 Earnings Presentation
27 slides from Capital Small Finance Bank's earnings presentation, Jan 30, 2025
Slide 1: Exchange filing cover letter: presentation and earnings call recording
January 30, 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 Symbol: CAPITA
Slide 2: Investor Presentation Q3FY25
Investor Presentation Q3FY25
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 Experience of over 2 decades in the Banking Industry* Diversified Credit Portfolio Embracing Retail Consistent Profitability Targeted towards Middle- with Zero direct Robust Asset Quality Liability Strategy Growth income customer segment Microfina
Slide 5: Key Highlights Q3FY25
Key Highlights Q3FY25 Gross Advances Profit After Tax CASA Ratio Retail Deposit Ratio INR 6,816 crores INR 34 crores (Q3FY25) As of December 2024 INR 29 crores (Q3FY24) 39.1% 93.2% +19% YoY +18% YoY +11% YTD^ +17% YTD* Deposits ROA ROE CRAR INR 8,384 crores 1.4% (Q3FY25) 10.9% 25.8% As of December 2
Slide 6: Diversified Advance Portfolio
Diversified Advance Portfolio..... Agricultural Loans Mortgage Loans MSME, Trading & Other Business Loans Other Loans AUM of Rs 20% 20% 1,330 Cr 32% 27% • Working Capital facility (CC / Consumption & other loans: Corporate loans: • Kisan Credit Card • Housing Loan OD/WCTL) • Auto Loans • Term loans
Slide 7: Secured Advance Portfolio
………Secured Advance Portfolio Gross Loan Book CAGR^ - 19% In INR Crores QoQ 2% 6,718 6,816 6,160 YoY 19% 5,507 5,718 4,689 3,763 3,326 Secured Lending % 99.9% 99.8% 99.8% YTD 11% 99.1% 99.4% 99.7% 99.8% 99.9% Q3FY24 Q2FY25 Q3FY25 FY20 FY21 FY22 FY23 FY24 Diversified Portfolio & non reliance on MFI se
Slide 8: Industry Leading Asset Quality signifying underwriting strength
Industry Leading Asset Quality signifying underwriting strength Asset Quality Asset Quality (YoY) 2.97% 2.61% 2.67% 2.8% 2.8% 2.5% 2.1% 1.8% 1.53% 1.29% 1.35% 1.4% 1.4% 1.4% 1.3% 1.1% Q3FY24 Q2FY25 Q3FY25 FY20 FY21 FY22 FY23 FY24 GNPA NNPA GNPA NNPA Credit Cost2 SMA 1 & 2 (%) NPA Table Q3FY24 Q2FY25
Slide 9: Retail Focused Liability Franchise with High Share of CASA
Retail Focused Liability Franchise with High Share of CASA CAGR^ - 15% Total Deposits In INR Crores In INR Crores QoQ 8% 4,447 5,221 6,046 6,561 7,478 8,384 7,482 7,780 CASA % 36.3% 40.1% 42.2% 41.9% 38.3% YoY 12% CASA % 39.5% 37.1% 39.1% FY20 FY21 FY22 FY23 FY24 YTD 12% Q3FY24 Q2FY25 Q3FY25 Funding
Slide 10: Consistently Improving Profitability
Consistently Improving Profitability Profit After Tax CAGR^ - 42% In INR Crores YoY 18 % YTD 17 % 97.4 111.5 83.3 93.6 62.6 33.3 34.0 40.8 28.9 25.4 Q3FY24 Q2FY25 Q3FY25 9MFY24 9MFY25 FY20 FY21 FY22 FY23 FY24 RoA1 RoE2 Cost to Income Ratio • Demonstrated consistent improvement in 1.4% 1.4% 17.1% 62.
Slide 11: And Return Ratios
…..And Return Ratios Key Business Parameters Q3FY24 Q2FY25 Q3FY25 FY22 FY23 FY24 CRAR (%) Credit to deposit ratio (Avg) 78.4 82.4 81.1 70.6 78.0 79.0 (%) Credit to deposit ratio 26.3% 76.4 86.4 81.3 77.5 83.9 82.4 25.8% Outstanding 20.1% Yield on Advances % 11.2 11.3 11.4 10.9 10.8 11.1 Cost of Depo
Slide 12: Strategic Focus and Outlook for FY25
Strategic Focus and Outlook for FY25 • Targeting existing segments – MSME & Trading, • Utilizing brand strength to bolster retail deposit Mortgages, and Agriculture. growth. Key Outcomes • Capitalizing on anticipated tailwinds in middle- • Sustaining the CASA ratio income segments. • Focus on deepen
Slide 13: Company Overview
Capital Small Finance Bank 3% Company Overview
Slide 14: From LAB to India's first SFB and towards India's most trusted Bank
From LAB to India’s first SFB and towards India’s most trusted Bank 2016 2019 - 2020 2022 2024 Small Finance Bank Total business of the Bank Net Profit of the Bank zoomed Successfully listed on NSE and crossed ₹6,000 crores to ₹63 crores registering a BSE on 14th February 2024 and Conversion to Indi
Slide 15: Executed by an experienced Management Team
..executed by an experienced Management Team SARVJIT SINGH SAMRA MUNISH JAIN PROMOTER, MANAGING DIRECTOR & CEO EXECUTIVE DIRECTOR 36+ years of experience across banking & 23+ years of experience in the banking financial industry across various roles. sector across finance, compliance, Associated wit
Slide 16: And guided by seasoned members of the Board
…and guided by seasoned members of the Board NAVIN KUMAR MAINI SARVJIT SINGH SAMRA MUNISH JAIN PART TIME CHAIRMAN & MANAGING DIRECTOR & EXECUTIVE DIRECTOR NON-EXECUTIVE CEO INDEPENDENT DIRECTOR • 40+ years of experience in the • 36+ years of experience across • ~23+ years of experience in the bankin
Slide 17: Providing a wide Range of Products and Services
Providing a wide Range of Products and Services Comprehensive bouquet of Services under one-roof Loan Portfolio Deposit Portfolio Fee-based Products Other Services Agricultural Savings Account Insurance Products Branches Kisan Credit Card Capital Savings A/c Agricultural Term Loan Capital Super Savi
Slide 18: With an Increasing presence to enhance accessibility
..with an Increasing presence to enhance accessibility Geographical Mix Rural-Urban Mix Punjab 158 Rural Areas 40.5% Haryana 16 Rajasthan 3 NCR 3 Semi-Urban Areas 35.1% UT Chandigarh 2 Himachal Pradesh 1 Urban Areas 24.3% UT Jammu & Kashmir 2 Total 185 Total 100.0% Highest branch concentration towar
Slide 19: Our Strengths built over 20 years by focusing on our customers
Our ‘Strengths’ built over 20 years by focusing on our customers Retail focused liability franchise Customer centric approach and 01 deep understanding of target 04 with high CASA share customers • High CASA1 ratio 39.1% with 93.2% retail deposits • Serving financial needs of middle-income segment w
Slide 20: Delivering Digital Empowerment to Our Customers
Delivering Digital Empowerment to Our Customers Share of Digital Transactions in Personalised Data-Driven Processes non-cash Transactions • Leverage technology and data analytics for scalability Q-o-Q and profitable growth • Improve collection efficiency through data driven early 86% 88% warning sys
Slide 21: Assets and Liabilities Overview
Assets and Liabilities Overview
Slide 22: Our Robust Credit Assessment and Risk Management Practices
Our Robust Credit Assessment and Risk Management Practices …have led to Industry leading Asset Quality Dedicated customer relationship team to maintain healthy customer engagement 2.67% Well-defined credit assessment matrix based on risk profile of the borrowers GNPA as of Dec-24 Secured lending pri
Slide 23: Retail-focused Liability Franchise & Diversified Advance Book
Retail-focused Liability Franchise & Diversified Advance Book Total Deposits FY22 FY23 FY24 FY25 In INR Crores 7,478 6,059 6,046 6,561 5,571 6,700 6,561 7,064 7,000 7,482 7,478 8,384 6,046 5,483 6,162 6,185 7,778 7,780 5,221 4,447 CASA 36% 40% 42% 42% 38% CASA Ratio 40% 40% 43% 42% 43% 42% 44% Ratio
Slide 24: Annexures
Capital Small Finance Bank 3% Annexures
Slide 25: Statement of Assets and Liabilities
Statement of Assets and Liabilities Particulars (INR Cr) FY22 FY23 FY24 CAGR% Q3FY24 Q3FY25 YoY2(%) Q2FY25 Capital & Liabilities Shareholders Funds 516 611 1,197 37% 743 1,302 75% 1,266 Deposits 6,046 6,561 7,478 15% 7,482 8,384 12% 7,780 Borrowings 498 721 472 530 354 390 Other Liabilities and Prov
Slide 26: Statement of Profit and Loss
Statement of Profit and Loss Particulars (INR Cr) FY22 FY23 FY24 CAGR% Q3FY24 Q3FY25 YoY2(%) Q2FY25 9MFY24 9MFY25 YoY3(%) Interest Earned 578 676 794 204 235 224 590 677 Interest expended 323 354 449 117 128 123 332 370 Net Interest Income (NII) 255 322 345 21% 87 107 23% 101 258 307 19% Other Incom
Slide 27: Thank You
THANK YOU ! Company: Capital Small Finance Bank Limited Investor Relation Advisors: Strategic Growth Advisors Pvt. Ltd. CIN: L65110PB1999PLC022634 CIN: U74140MH2010PTC204285 Mr. Sahil Vijay / Ms. Bharti Babutta Mr. Aakash S Mehta / Mr. Abhishek Shah investorrelations@capitalbank.co.in aakash.s.m@sga
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