Financial Results Approval

The Board approved the Unaudited Financial Results for the quarter and half-year ended September 30, 2026. The results were reviewed by the Audit Committee on October 28, 2026, and subjected to a limited review by the statutory auditors, M/s GSA & Associates LLP, who issued an unmodified review report.

Key Financial Highlights (Q2 FY27 vs Q2 FY26)

  • Net Profit: ₹46 crore, up 31% from ₹35 crore
  • Total Income: ₹330.95 crore vs ₹279.60 crore
  • Net Interest Income: ₹139 crore, up 24% from ₹112 crore
  • Other Income: ₹30.13 crore, up 25% from ₹24.07 crore
  • Operating Profit before provisions: ₹64.92 crore vs ₹50.67 crore
  • Provisions and Contingencies: ₹3.03 crore vs ₹4.30 crore
  • Basic EPS: ₹10.03 vs ₹7.70
  • NIM: 4.24% vs 4.04%
  • Gross Advances: ₹9,755 crore, up 23.4% YoY
  • Deposits: ₹10,831 crore, up 16.2% YoY
  • CASA Ratio: 34.5% (34.8% average)
  • Gross NPA: 2.36% (improved from 2.47% in Q1 FY27)
  • Net NPA: 1.12% (improved from 1.14% in Q1 FY27)
  • ROA: 1.39% vs 1.26%
  • ROE: 12.23% vs 10.22%
  • Capital Adequacy Ratio: 20.78% (Tier-I: 18.46%)

Half-Year Financial Performance (H1 FY27 vs H1 FY26)

  • Net Profit: ₹86.91 crore, up 30% from ₹66.90 crore
  • Total Income: ₹645.25 crore vs ₹549.56 crore
  • Basic EPS: ₹19.12 vs ₹14.78

Deferred Bond Issuance

The Board deferred the proposal regarding the issuance of Unlisted, Unsecured Redeemable Non-Convertible Lower Tier-II Basel II Compliant Bonds aggregating up to ₹50 crore (₹30 crore base + ₹20 crore greenshoe option). The decision was made after considering prevailing circumstances, with the matter to be reconsidered at an appropriate time.

ESOP Plan Amendment

The Board approved an amendment to the CSFB ESOP Plan for Material Risk Takers, subject to shareholder approval. The amendment proposes to increase the ESOP pool from 100,000 to 180,000 options. No fresh grants were made during this approval. Each option confers the right to apply for one share at an exercise price of ₹10 per share (face value). The exercise period for vested options is 1 year from the date of vesting.

Director Appointments

1. Mr. Joseph Conrad Agnelo D'souza (DIN: 00010576): Recommended for regularization as Non-Executive Independent Director effective September 28, 2026, for a 5-year term, subject to shareholder approval.

  • Profile: Master's in Commerce and Business Administration, Diploma in Financial Management, SEP graduate from London Business School. Over four decades of experience in banking and financial services, including leadership roles at HDFC Limited in Strategy, Treasury, Operations, Investor Relations, and New Initiatives. Currently holds directorships in multiple companies including Motilal Oswal Financial Services, Chalet Hotels, and Bharat Bijlee.

2. Mr. Nageswara Rao Yalamanchili (DIN: 06651230): Approved for re-appointment as Non-Executive Independent Director for a second term of three years effective June 29, 2027, subject to shareholder approval.

  • Profile: Seasoned banker with over 36 years of managerial/executive/board level experience. CAIIB certified with a bachelor's degree in commerce. Previously served as Executive Director in Vijaya Bank, Syndicate Bank, and Bank of Maharashtra. Currently serves as Independent Director in several companies including Canara Bank Securities and Maximus ARC.

Both directors confirmed they are not debarred from holding director positions by SEBI or any other authority. Neither holds any shares in the Bank. There is no inter-se relationship between these directors and any other directors of the Bank.

Other Board Approvals

The Board approved the Postal Ballot Notice for seeking shareholder approvals for the above matters.

Meeting Details

The Board meeting commenced at 3:00 PM and concluded at 6:20 PM on October 29, 2026.

Additional Information

The financial results and investor presentation are available on the Bank's website at https://www.capital.bank.in/investors/financial-results. The Bank operates 222 branches across 5 states and 2 union territories.