Capital Small Finance Bank Ltd — earnings calls
2 quarters summarised from transcripts filed with the exchange, every statement cited. Newest first.
Capital Small Finance Bank reported gross advances of Rs 9,074 crore for Q1 FY27, up 22% year-on-year, with total deposits of Rs 10,596 crore, up 16% year-on-year. Net interest margin improved to 4.21%, profit after tax rose 29% year-on-year to Rs 41.3 crore, and asset quality improved with GNPA at 2.47% and NNPA at 1.14%. Management discussed segment-level growth across MSME, mortgage and agriculture, deposit repricing benefits, and its FY29 vision targets during the call.
Capital Small Finance Bank reported Q4 FY'26 total deposits crossing ₹10,000 crores with 20% year-on-year growth, gross advances at ₹8,687 crores up 21% year-on-year, and profit after tax of ₹40 crores for the quarter. Net interest margin improved to 4.06% in Q4 FY'26 from 4.01% in Q3, supported by a decline in cost of deposits, while asset quality showed gross NPA at 2.54% and net NPA at 1.24%. Management discussed plans for continued branch expansion, deposit repricing benefits, and growth across MSME, mortgage and agriculture segments.