Capital Small Finance Bank Limited · NSE:CAPITALSFB
Capital Small Finance Bank — Q4 FY25 Earnings Presentation
27 slides from Capital Small Finance Bank's earnings presentation, Apr 30, 2025
Slide 1: Exchange filing cover letter: presentation and earnings call recording
CSFB. 2025-26/55 April 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
Slide 2: Investor Presentation Q4FY25 | FY25
Investor Presentation Q4FY25 | FY25
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: Highlights of our Progress in FY25
Highlights of our Progress in FY25 Gross Advances Profit After Tax CASA Ratio Retail Deposit Ratio Rs. 7,184 crores Rs. 132 crores (FY25) as of March 2025 Rs. 34 crores (Q4FY25) 36.9% 92.5% +18 CAGR^ +38% CAGR ^ as of March 2025 as of March 2025 +17% YoY +18% YoY +6% QoQ +21% QoQ* Deposits ROA Asset
Slide 6: Well-Diversified Credit Portfolio
Well-Diversified Credit Portfolio Agricultural Loans Mortgage Loans MSME & Trading Loans Other Loans AUM of Rs 27% 21% 20% 1,414 Cr 32% • Working Capital facility (CC / Consumption & other loans: Corporate loans: • Kisan Credit Card • Housing Loan OD/WCTL) • Auto Loans • Term loans to NBFCs • Agricu
Slide 7: Diversified & Secured Advance Portfolio
Diversified & Secured Advance Portfolio Gross Loan Book CAGR^ - 18% In INR Crores In INR Crores Y-o-Y 17% Q-o-Q 5% 7,184 7,184 6,160 6,816 5,507 6,160 4,689 3,763 FY21 FY22 FY23 FY24 FY25 Q4/FY24 Q4/FY25 Q3FY25 Diversified Portfolio & non reliance on MFI segment Healthy Disbursement Emphasis on Secu
Slide 8: Industry Leading Asset Quality signifying underwriting strength
Industry Leading Asset Quality signifying underwriting strength Asset Quality Asset Quality (Y-o-Y) 2.76% 2.67% 2.58% 2.77% 2.76% 2.50% 2.58% 2.08% 1.40% 1.30% 1.35% 1.36% 1.36% 1.40% 1.30% 1.13% Q4/FY24 Q4/FY25 Q3FY25 FY21 FY22 FY23 FY24 FY25 GNPA NNPA GNPA NNPA Credit Cost2 SMA 1 & 2 (%) NPA Table
Slide 9: Retail Focused Liability Franchise with High Share of CASA
Retail Focused Liability Franchise with High Share of CASA Total Deposits CAGR^ - 15% In INR Crores In INR Crores 8,323 Y-o-Y 11% 7,478 8,323 8,384 6,561 7,478 6,046 5,221 CASA % 40% 42% 42% 38% 37% CASA % FY21 FY22 FY23 FY24 FY25 38% 37% 39% Q4/FY24 Q4/FY25 Q3FY25 Funding Mix – Positively skewed Re
Slide 10: Consistently Improving Profitability
Consistently Improving Profitability Profit After Tax CAGR^ - 38% In INR Crores Y-o-Y 18 % 131.7 Q-o-Q 21 % 131.7 111.5 111.5 93.6 62.6 40.8 34.2 28.2 FY21 FY22 FY23 FY24 FY25 FY24 FY25 Q4FY24 Q4FY25 RoA1 RoE2 Cost to Income Ratio • Demonstrated consistent improvement in return metrices: ROA 2.6x si
Slide 11: …..And Return Ratios
…..And Return Ratios Key Business Parameters Q4FY24 Q3FY25 Q4FY25 FY22 FY23 FY24 FY25 CRAR Credit to deposit ratio (Avg) 78.3 81.1 82.5 70.6 78.0 79.0 81.4 (%) Credit to deposit ratio 27.4% 25.4% (Outstanding) (%) 82.4 81.3 86.3 77.5 83.9 82.4 86.3 18.6% 18.9% Yield on Advances (%) 11.0 11.4 11.0 10
Slide 12: Strategic Focus and Outlook for FY26
Strategic Focus and Outlook for FY26 • 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 37+ years of experience across banking & 24+ 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 • 41+ years of experience in the • 37+ years of experience across • ~24+ 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 Break Up of Branches, Deposits & Advances Punjab 164 Geographies Branches Deposits Advances Haryana 20 Rajasthan 3 Rural Areas 40.5% 36.4% 22.4% NCR 3 Semi-Urban Areas 36.4% 39.5% 33.8% Himachal Pradesh 1 UT Chandigarh 2 Urban A
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 37% with 92.5% retail deposits • Serving financial needs of middle-income segment wit
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 and profitable growth • Improve collection efficiency through data driven early FY25 warning systems FY24
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 2.58% Well-defined credit assessment matrix based on risk profile of the borrowers GNPA as of Mar-25 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 6,059 6,046 6,700 6,561 7,482 7,478 8,384 8,323 +13.4% 5,483 5,571 6,162 6,185 7,064 7,000 7,778 7,780 8,323 7,478 6,046 6,561 5,221 4,447 CASA CASA Ratio 40% 40% 43% 42% 43% 42% 44% 42% 40
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 FY25 CAGR1% YoY2% Q3FY25 QoQ3 Capital & Liabilities Net Worth 516 611 1,197 1,340 32% 12% 1,302 3% Deposits 6,046 6,561 7,478 8,323 15% 11% 8,384 - Borrowings 498 721 472 321 354 Other Liabilities and Provisions 93 98 148 124 14
Slide 26: Statement of Profit and Loss
Statement of Profit and Loss Particulars (INR cr) FY22 FY23 FY24 FY25 YoY1 Q4FY24 Q4FY25 QoQ2% Q3FY25 Interest Earned 578 676 794 908 204 231 235 Other Income 54 50 68 86 20 26 18 Gross Total Income 632 726 862 994 15% 224 257 15% 253 Interest Expended 323 354 449 498 117 128 128 Operating Expenses
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. Abhishek Shah / Ms. Neha Shroff investorrelations@capitalbank.co.in abhishek.shah@sga
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