Capital Small Finance Bank Limited — PPTs, 29-01-2026: Investor Presentation

Capital Small Finance Bank delivered robust Q3 FY26 results. Gross Advances surged 20% YoY to Rs. 8,164 Cr, with Deposits up 18% YoY to Rs. 9,931 Cr. Loan disbursements also jumped 25% YoY to Rs. 919 Cr. Profit After Tax (before a one-time exceptional charge) rose 13% YoY to Rs. 38 Cr. Asset quality remained strong, with Gross NPA at 2.68% and Net NPA at 1.35%. CASA ratio improved to 35.9%. Growth was notably driven by MSME/business and Loan Against Property (LAP) segments, with over 99% secured loans.

The bank is focused on expanding its presence into new states like UP & Gujarat, targeting over 300 branches by 2029. Digital initiatives are key, with 91% of non-cash transactions now digital. Management aims to double the Advance Book to over Rs. 16,000 Cr by 2029, alongside improving Net NPA to below 1.0% and boosting Return on Assets to 1.6%++ and Return on Equity to 15.0%++. The strategy emphasizes being a primary banker for the middle-income segment and enhancing Net Interest Margin through optimized deposit costs and an accelerated Credit-to-Deposit ratio.

**Key Metrics (Q3 FY26):**

* Gross Advances: Rs. 8,164 Cr

* Deposits: Rs. 9,931 Cr

* PAT (pre-exceptional): Rs. 38 Cr

* Basic EPS: Rs. 7.6

* Gross NPA: 2.68%

* Net NPA: 1.35%

* CASA: 35.9%

* NIM: 4.0%