Event Details

The earnings conference call was held on October 30, 2026, from 10:00 a.m. to 11:15 a.m. The audio recording and investor presentation have been made available on the bank's website at https://www.capital.bank.in/investors/financial-results. A transcript of the call will be made available on the same link within prescribed timelines.

Financial Performance Highlights - Q2FY27

Profitability

  • Pre-Provision Operating Profit (PPOP): ₹68 Crores (vs ₹52 Cr in Q2FY26, +31% YoY)
  • Profit After Tax (PAT): ₹46 Crores (vs ₹35 Cr in Q2FY26, +31% YoY)
  • Net Interest Income: ₹139 Crores (vs ₹112 Cr in Q2FY26, +24% YoY)
  • Other Income: ₹30 Crores (vs ₹24 Cr in Q2FY26, +25% YoY)
  • Operating Expenses: ₹101 Crores (vs ₹83 Cr in Q2FY26, +22% YoY)
  • Cost to Income Ratio: 59.8% (vs 59.5% in Q1FY27)

Key Ratios - Q2FY27

  • Net Interest Margin (NIM): 4.24% (vs 4.04% in Q2FY26 and 4.21% in Q1FY27)
  • Return on Assets (ROA): 1.39% (vs 1.26% in Q2FY26 and 1.30% in Q1FY27)
  • Return on Equity (ROE): 12.23% (vs 10.22% in Q2FY26 and 11.20% in Q1FY27)
  • Yield on Advances: 11.0% (vs 11.0% in Q2FY26 and 10.9% in Q1FY27)
  • Credit Cost: 0.18%
  • Operating Margin: 2.08% (vs 1.88% in Q2FY26)

Financial Performance Highlights - H1FY27

  • PPOP: ₹133 Crores (vs ₹104 Cr in H1FY26, +27% YoY)
  • PAT: ₹87 Crores (vs ₹67 Cr in H1FY26, +30% YoY)
  • Net Interest Income: ₹272 Crores (vs ₹221 Cr in H1FY26)
  • Other Income: ₹56 Crores (vs ₹47 Cr in H1FY26)

Business Growth Metrics

Advances

  • Gross Advances: ₹9,755 Crores as of Q2FY27 (Average Ticket Size: ₹20 lakhs)
  • Quarterly Growth: 7.5% QoQ (September 2026 vs June 2026)
  • Yearly Growth: 23.4% YoY (September 2026 vs September 2025)
  • H1FY27 Growth: 12% YTD
  • Disbursement: ₹1,095 Crores in Q2FY27 (36% increase from ₹805 Cr in Q2FY26)
  • H1FY27 Disbursement: ₹2,104 Crores (26% increase from ₹1,671 Cr in H1FY26)

Deposits

  • Total Deposits: ₹10,831 Crores as of Q2FY27 (Average Ticket Size: ₹0.15 lakhs)
  • Quarterly Growth: 2.2% QoQ
  • Yearly Growth: 16.2% YoY
  • H1FY27 Growth: 8% YTD
  • CASA Ratio: 34.5% of total deposits (outstanding)
  • Average CASA: 34.8% for Q2FY27 (vs 34.8% in Q2FY26 and 35.3% in Q1FY27)
  • Cost of Deposits: 5.68% (vs 5.92% in Q2FY26 and 5.60% in Q1FY27)
  • Savings Account Interest Rate: 3.10%

Credit-Deposit Ratio

  • Average CD Ratio: 85.4% in Q2FY27 (vs 81.5% in Q2FY26 and 83.0% in Q1FY27)
  • Outstanding CD Ratio: 90.1% in Q2FY27 (vs 84.9% in Q2FY26 and 85.6% in Q1FY27)

Asset Quality

  • Gross NPA: 2.36% (vs 2.70% in Q2FY26 and 2.47% in Q1FY27)
  • Net NPA: 1.12% (vs 1.38% in Q2FY26 and 1.14% in Q1FY27)
  • Provision Coverage Ratio: 53.19% (vs 54.51% in Q1FY27)
  • SMA 1 & 2: Reduced to 3.31%
  • Secured Exposure: 97.0% of advances
  • Direct Microfinance Exposure: Zero

NPA Movement (Q2FY27)

  • Opening NPAs: ₹224.4 Crores
  • Additions: ₹22.0 Crores
  • Upgradations & Recovery: ₹15.6 Crores
  • Write-offs: ₹0.3 Crores (including technical write-offs)
  • Closing NPAs: ₹230.6 Crores

Portfolio Composition

Advances Segmentation

  • Agricultural: 26%
  • Housing: 10%
  • Loan Against Property (LAP): 14%
  • MSME, Trading & Other Business Loans: 28%
  • Consumer Lending: 7%
  • NBFC Lending: 14%

Geographical Distribution

  • Advances from other than Home State: 26% (vs 23% in Q2FY26)
  • Branch Network: 222 branches across 5 states and 2 union territories
  • Rural Areas: 39% branches, 36% deposits, 21% advances
  • Semi-Urban Areas: 38% branches, 39% deposits, 33% advances
  • Urban Areas (including Metro): 23% branches, 25% deposits, 46% advances

Capital Adequacy

  • CRAR: 21.6% as of Q2FY27 (vs 20.8% in Q2FY26)
  • Shareholders' Funds: ₹1,523 Crores as of H1FY27 (9% YoY growth from ₹1,391 Cr)
  • Book Value per Share: ₹335 as of September 2026
  • EPS (Annualized): ₹38.24 as of September 2026

Other Business Metrics

  • Collection Efficiency: 99.5% in H1FY27 (vs 98.4% in H1FY26)
  • Digital Transactions: 90% share in non-cash transactions in FY26 (89% in Q2FY27)
  • Rollover Ratio: 89%+
  • Retail Deposit Share: ~90%+

Leadership Team

  • Managing Director & CEO: Sarvjit Singh Samra (38+ years experience)
  • Executive Director: Munish Jain (25+ years experience)
  • Chief Financial Officer: Aseem Mahajan
  • Chief Compliance Officer: Richa Mahajan
  • Chief Risk Officer: Sameer Mahawar