Capital Small Finance Bank Limited · NSE:CAPITALSFB
Capital Small Finance Bank — H1 FY27 Earnings Presentation
34 slides from Capital Small Finance Bank's earnings presentation, Oct 30, 2026
Slide 1: Stock exchange cover letter on presentation and call recording
CSFB No. 2026-27/354 October 30, 2026 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 Symbol: CA
Slide 2: Investor Presentation Q2 & H1 FY27
Investor Presentation Q2 & H1 FY27
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: Business at a Glance
Business at a Glance Asset Profile Loan Book Loan Book Growth Asset Quality Yield on Advances(%) GNPA(%): 2.36/2.70/2.47 11.0/11.0/10.9 INR 9,755 Cr Q-o-Q1: 7.5% NNPA(%): 1.12/1.38/1.14 (Q2FY27/Q2FY26/Q1FY27) (ATS – INR 2.0 Mn) Y-o-Y2: 23.4% (Q2FY27/Q2FY26/Q1FY27) Deposit Profile Deposits Deposits G
Slide 5: Differentiated Bank Serving the Middle Income Segment
Differentiated Bank Serving the Middle Income Segment Advances Deposits Profitability Asset Quality 23% YoY Growth 16% YoY Growth 31% YoY Growth Best-in-Class Metrics Quarterly Update Quarterly Update Quarterly Update Quarterly Update • 7.5% QoQ, 23.4% YoY growth • 2.2% QoQ, 16.2% YoY growth • NII g
Slide 6: Performance Highlights
Capital Small Finance Bank $3 Performance Highlights
Slide 7: Key Financial Highlights – Q2FY27
Key Financial Highlights – Q2FY27 Gross Advances Deposits Disbursement Profit After Tax (INR Crores) (INR Crores) (INR Crores) (INR Crores) +23% +16% +36% +31% 9,755 10,831 1,095 46 7,907 9,317 805 35 Q2FY26 Q2FY27 Q2FY26 Q2FY27 Q2FY26 Q2FY27 Q2FY26 Q2FY27 ROA (%) Collection Efficiency (%) GNPA (%)
Slide 8: Key Financial Highlights – H1FY27
Key Financial Highlights – H1FY27 Gross Advances & Deposits Disbursement PPOP Profit After Tax (INR Crores) (INR Crores) (INR Crores) (INR Crores) YoY 16% YoY 23% YTD* 8% YTD* 12% +26% +27% +30% 20,586 17,224 2,104 133 87 9,755 1,671 104 67 7,907 9,317 10,831 H1FY26 H1FY27 H1FY26 H1FY27 H1FY26 H1FY2
Slide 9: Asset Portfolio
Capital Small Finance Bank $3 Asset Portfolio
Slide 10: Well-Diversified Credit Portfolio – Q2FY27
Well-Diversified Credit Portfolio – Q2FY27 MSME, Trading & Other Business Loans Agricultural Loans Mortgage Loans Corporate Loans Consumption & Other Loans • Working Capital loan • Kisan Credit Card • Housing Loan • Term loan to NBFCs • Auto Loan • Gold Loan • Project Financing • Loan Against Proper
Slide 11: Diversified & Secured Advance Portfolio
Diversified & Secured Advance Portfolio ✓Diversified portfolio with each segment sustaining multiple cycles Gross Loan Book (INR Crores) AUM of Rs. 9,755.33 Crores 7% +23.4% (YoY) 14% 26% Agriculture Loans CAGR 22% 8,687 +7.5% (QoQ) Housing Loan 7,184 9,755 LAP & other Mortgage Loans 6,160 9,074 5,5
Slide 12: Industry Leading Asset Quality
Industry Leading Asset Quality ✓Focus on secured products with strong underwriting capabilities resulting in one of the lowest NPAs Asset Quality GNPA NNPA • Being PRIMARY BANKER, better visibility of 2.77% 2.76% 2.70% borrowers’ cash flow: follow conservative LTV 2.50% 2.58% 2.54% 2.47% 2.36% appro
Slide 13: Our Robust Credit Assessment & Risk Management Practices
Our Robust Credit Assessment & Risk Management Practices 2.36% 1.12% 0.18% ~Negligible write-offs GNPA as of September-26 NNPA as of September-26 Credit Cost Q2FY27 One of the most secured Asset Portfolio in the Lending Industry Historic Asset Quality Trend Risk Management framework developed over t
Slide 14: Liability Portfolio
Capital Small Finance Bank $3 Liability Portfolio
Slide 15: Retail Focused Liability Franchise with Consistently High Share of CASA
Retail Focused Liability Franchise with Consistently High Share of CASA ✓Focus on Granular & Retail Centric Deposits, with negligible Bulk Deposits Total Deposits (INR Crores) Deposit CASA +16.2% (YoY) CASA % +2.2% (QoQ) • Deposit cost stood at 5.68% in Q2FY27 (vs 5.92% in Q2FY26) CAGR 19% • CASA ra
Slide 16: Financials & Key Ratios
Capital Small Finance Bank $3 Financials & Key Ratios
Slide 17: Consistently Improving Profitability
Consistently Improving Profitability Profit After Tax (INR Crores) • Net Interest Income grew by 24% YoY to INR 139 Crores (INR INR Crores 112 Crores in Q2FY26) and Non Interest Income grew by 28% YoY to INR 30 Crores (INR 24 Crores in Q2FY26) 141 +31% • PPOP (Q2FY27) growth 31% YoY basis & PAT grow
Slide 18: Statement of Profit and Loss
Statement of Profit and Loss Particulars (INR Crores) Q2FY27 Q2FY26 YoY1(%) Q1FY27 H1FY27 H1FY26 FY26 FY25 FY24 FY23 FY22 CAGR2 % Net Interest Income 139 112 24% 134 272 221 463 410 345 322 255 19% Other Income 30 24 25% 26 56 47 99 86 68 50 54 Operating expenses 101 83 22% 95 196 164 339 311 258 22
Slide 19: Return Ratios
Return Ratios Key Business Parameters Q2FY27 Q1FY27 Q2FY26 FY26 FY25 FY24 FY23 FY22 CRAR (%) CD ratio (Avg) (%) 85.4 83.0 81.5 81.3 81.4 79.0 78.0 70.6 CD ratio (Outstanding) (%) 90.1 85.6 84.9 86.7 86.3 82.4 83.9 77.5 27.4% 25.4% Yield on Advances (%) 11.0 10.9 11.0 11.0 11.2 11.1 10.8 10.9 22.3% 2
Slide 20: Statement of Assets and Liabilities
Statement of Assets and Liabilities Particulars (INR Crores) H1FY27 H1FY26 YoY1(%) Q1FY27 FY26 FY25 FY24 FY23 FY22 Capital & Liabilities Shareholder’s Fund2 1,523 1,391 9% 1,488 1,461 1,340 1,197 611 516 Deposits 10,831 9,317 16% 10,596 10,018 8,323 7,478 6,561 6,046 Borrowings 864 577 686 499 321 4
Slide 21: Consistently improving Financial Strength
Consistently improving Financial Strength ₹334.97 ₹38.243 1.39%/2.37% 12.23% Book Value as of Sept-26 EPS as of Sept-26 RoA/RoRWA Q2FY27 RoE Q2FY27 Remains committed for Disciplined growth, improving margins, strengthening liability traction and maintaining strong asset quality Book Year EPS2 (₹) Ro
Slide 22: Capital SFB @ 2029 – Vision
Capital SFB @ 2029 – Vision Q2FY26 From Strong to Stronger – Vision 2029 FY29 (P) Update – Q2FY27 Advance Book 7,907 Crs 16k++ Crs 9,755 Crs 2x by 2029 Below Asset Quality 1.0%/0.3% 1.12%/0.18% 1.38%/0.20% NNPA/Credit Cost* (Endeavor to keep) Branch Network 300++ 199 222 1.5x by 2029 1.26% Profitabi
Slide 23: Capital SFB 2029 – Key Focus Areas
Capital SFB 2029 – Key Focus Areas 01 02 03 04 Organic Loan Book Strengthening Growth & Secured Elevating Liability Expanding Our Brand Operational & Lending Franchise Outreach Profitability Metric • Targeting segments – • Targeting growth in line, • Scaling up new branch • Accelerating the credit-
Slide 24: About Capital Small Finance Bank
About Capital Small Finance Bank
Slide 25: LAB to India's First SFB & Towards India's Most Trusted Bank
LAB to India’s First SFB & Towards India’s Most Trusted Bank Incorporation of the Bank. Started Equity of INR 65 crores raised The Bank's total customer base Successfully listed on NSE Completed 10 years as India’s operations as local area bank in through private placement. reached ~6 lakh, with tot
Slide 26: Providing a wide Range of Products and Services
Providing a wide Range of Products and Services 01 03 Loan Portfolio Fee-based Products 04 02 Insurance Products Agricultural Kisan Credit Card Deposit Portfolio Other Services Agricultural Term Loan Forex Services MSME & Trading Money Transfer Services CC/OD/WCTL Savings Account Branches Project Lo
Slide 27: Increasing Presence to Enhance Accessibility
Increasing Presence to Enhance Accessibility Geographical Performance - Q2FY27 3 Jammu & Kashmir (UT) Himachal Pradesh 46 175 Punjab 1 Chandigarh (UT) 74.3%/25.7% 91.8%/8.2% 175/47 2.88%/0.87% 3 NCR 2 Number of Haryana Advance Mix Deposit Mix Branch Network GNPA 31 Districts 7 Rajasthan Punjab / Oth
Slide 28: Our Strengths Built Over 20 Years by Focusing on Customers
Our ‘Strengths’ Built Over 20 Years by Focusing on Customers Professional and Experienced Retail focused liability franchise Leadership Team with high CASA share ➢ MD & CEO, Sarvjit Singh Samra brings over 38 years of ➢ High CASA1 ratio 34.5% with 89.9% retail deposits experience ➢ Low Cost of depos
Slide 29: Enabling Seamless Digital Experiences to Our Customers
Enabling Seamless Digital Experiences to Our Customers Share of Digital Transactions in non-cash Transactions 89% 89% Q2FY26 Q2FY27 Transforming Customer Personalised Data-Driven Empowering Ourselves with Experience Processes Technology • Leverage technology and data Year on Year (%) • Deepening cus
Slide 30: Historical Performance - Deposits & Advances
Historical Performance - Deposits & Advances Total Deposits (INR Crores) FY23 FY24 FY25 FY26 FY27 CASA % 43% 42% 44% 42% 40% 38% 39% 38% 39% 37% 39% 37% 36% 34% 36% 35% 37% 34% 40% 42% 42% 38% 37% 35% 9,931 10,018 10,596 10,831 6,162 6,185 6,700 6,561 7,064 7,000 7,482 7,478 7,778 7,780 8,384 8,323
Slide 31: Leadership Team
Capital Small Finance Bank $3 Leadership Team
Slide 32: Guided By Experience Steered by Prudence
Guided By Experience Steered by Prudence Sarvjit Singh Samra Munish Jain Managing Director & CEO Executive Director 25+ years of experience in the banking sector 38+ years of experience across banking & across finance, compliance, treasury and strategic financial industry across various roles. roles
Slide 33: Seasoned Board of Directors
Seasoned Board of Directors Mr. Navin Kumar Maini Mr. Sarvjit Singh Samra Mr. Munish Jain Managing Director & CEO Executive Director Part-time chairman & Non-executive independent director • 38+ years of experience across banking & financial industry • 42+ years of experience in the banking industry
Slide 34: Company and Investor Relations Contacts
Company: Capital Small Finance Bank Limited CIN: L65110PB1999PLC022634 Mr. Sahil Vijay / Ms. Bharti Babutta [email protected] Website: www.capitalbank.co.in Investor Relation Advisors: Strategic Growth Advisors Pvt. Ltd. CIN: U74140MH2010PTC204285 Mr. Abhishek Shah / Mr. Dhruvil Ja
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