Capital Small Finance Bank Limited — PPTs, 23-07-2026: Investor Presentation

Here's a concise summary for retail investors:

**Capital Small Finance Bank (CAPITALSFB) Q1 FY27 Snapshot:**

**Business Performance:** Strong quarter with Net Interest Income up 22% YoY to 134 Cr & Profit After Tax (PAT) soaring 29% YoY to 41 Cr. Loan book grew 22% YoY to 9,074 Cr, fueled by a massive 49% YoY surge in MSME loans. Deposits hit 10,596 Cr (+16.3% YoY) with a solid 36.7% CASA. Asset quality improved: GNPA at 2.47%, NNPA at 1.14%.

**Strategy & Growth:** The bank aims for over 16,000 Cr in advances and 300+ branches by 2029, targeting higher RoA and RoE. Focus areas include growing secured lending in MSME, mortgages, and agriculture, elevating its retail deposit base, and expanding into new states like UP and Gujarat.

**Recent Highlights:** Disbursements jumped 17% YoY to 1,009 Cr. Provision Coverage Ratio rose to 54.51%. Digital transactions now make up 91% of non-cash transactions, boosting efficiency.

**Key Metrics:** RoA stood at 1.30%, RoE at 11.20%, and Net Interest Margin (NIM) expanded to 4.21%.

**Outlook:** Management is committed to disciplined growth, margin improvement, strengthening its retail deposit base, and maintaining robust asset quality, all powered by technology.