Capital Small Finance Bank Limited — PPTs, 29-10-2025: Investor Presentation

**Business Performance:** Capital Small Finance Bank reported strong Q2FY26 and H1FY26 results. Gross Advances grew 18% YoY to ₹7,907 Cr, Deposits increased 20% YoY to ₹9,317 Cr. Q2 Profit After Tax (PAT) rose 5% YoY to ₹35 Cr, with H1 PAT at ₹67 Cr (+6% YoY). It maintains a 99.2% secured, diversified loan portfolio.

**Growth Drivers or Strategy:** Focus areas include organic loan growth in MSME, Mortgages, and Agriculture. Strengthening its retail deposit base (CASA) and expanding its branch network are key strategic priorities.

**Recent Developments:** Q2FY26 disbursements surged 36% YoY to ₹805 Cr. Digital transactions now comprise 89% of non-cash activity.

**Key Financial Metrics:** Net Interest Margin (NIM) was 4.0%, Return on Assets (RoA) 1.3%. Asset quality shows Gross NPAs at 2.7% and Net NPAs at 1.4%. CRAR stands at 24.2%, and Basic EPS for Q2 was ₹7.1.

**Management Outlook:** Management targets doubling the advance book to over ₹16,000 Cr by FY29, with Net NPAs below 1.0% and RoA above 1.6%.