Capital SFB Q1FY27 Advances Up 22% YoY

| Gross Advances | 9,074 | 8,687 | 4.5% | 7,437 | 22.0% |

| Gross NPA (% of gross advances) | 2.47% | 2.54% | - | 2.75% | - |

| Total Deposits | 10,596 | 10,018 | 5.8% | 9,110 | 16.3% |

Gross advances stood at ₹9,074 crores as of June 30, 2026
Year-on-year growth of 22.0% and quarter-on-quarter growth of 4.5%
Disbursements during the quarter increased to ₹1,009 crores, compared to ₹865 crores in Q1FY26, reflecting growth of 16.5%
Loan book remains well-diversified with approximately 98% being secured
Portfolio consistency maintained with the Bank's prudent, retail-focused lending philosophy

Gross NPAs improved to 2.47% as of June 30, 2026
Comparison to previous periods: 2.54% in Q4FY26 (March 31, 2026) and 2.75% in Q1FY26 (June 30, 2025)
Improvement attributed to disciplined underwriting standards, proactive recovery mechanisms, and inherent resilience of the well-secured, granular and diversified loan portfolio

Total deposits reached ₹10,596 crores as of June 30, 2026
Year-on-year growth of 16.3% and quarter-on-quarter growth of 5.8%
CASA ratio stood at 36.7% as of June 30, 2026
Historical CASA ratios: 34.7% as of March 31, 2026 and 35.9% as of June 30, 2025
Reflects continued strengthening of the Bank's retail deposit franchise and deeper customer engagement across branch network
Focus on building stable, diversified and cost-efficient liability franchise to support long-term growth

Average CD ratio for quarter ended June 30, 2026 stood at 83.1%
Historical CD ratios: 82.3% for quarter ended March 31, 2026 and 80.9% for quarter ended June 30, 2025
Average calculated based on daily outstanding balances
Liquidity position remains comfortable
Well-capitalised balance sheet provides adequate headroom to sustain and accelerate growth

Submitted by: Amit Sharma, Company Secretary and Compliance Officer (Membership No. F10888)

Document Availability: A copy of this letter has been uploaded on the Bank's website at www.capital.bank.in