Capital Small Finance Bank Limited – Investor Presentation Summary

Key Operational Highlights

  • Loan book reached ₹9,755 crore with Average Ticket Size (ATS) of ₹2.0 million
  • Disbursement of ₹1,095 crores in Q2FY27, representing 36% growth over Q2FY26 (₹805 crore)
  • MSME & Business segment expanded 13% QoQ and 51% YoY as key growth driver
  • Share of Advances from other than Home State increased to 26% (from 23% in Q2FY26)
  • 222 branches across 5 states and 2 Union Territories
  • 97.0% secured exposure with zero direct microfinance exposure
  • Collection efficiency at 99.5% for H1FY27 (vs 98.4% in H1FY26)

Segment-wise Performance

Not Specified

Financial Highlights

Q2FY27 Performance:

  • Revenue (Net Interest Income): ₹139 crore (24% YoY growth from ₹112 crore in Q2FY26)
  • Other Income: ₹30 crore (28% YoY growth from ₹24 crore in Q2FY26)
  • EBITDA (Pre-Provision Operating Profit): ₹68 crore (31% YoY growth from ₹52 crore in Q2FY26)
  • PAT: ₹46 crore (31% YoY growth from ₹35 crore in Q2FY26)
  • EPS (Basic): ₹10.0 (non-annualized)
  • NIM: 4.24% (vs 4.04% in Q2FY26 and 4.21% in Q1FY27)
  • ROA: 1.39% (vs 1.26% in Q2FY26 and 1.30% in Q1FY27)
  • ROE: 12.23% (vs 10.22% in Q2FY26 and 11.20% in Q1FY27)
  • Cost to Income Ratio: 59.8% (vs 59.5% in Q1FY27 and 61.7% in Q2FY26)

H1FY27 Performance:

  • Net Interest Income: ₹272 crore (vs ₹221 crore in H1FY26)
  • Other Income: ₹56 crore (vs ₹47 crore in H1FY26)
  • PPOP: ₹133 crore (27% YoY growth from ₹104 crore in H1FY26)
  • PAT: ₹87 crore (30% YoY growth from ₹67 crore in H1FY26)
  • EPS (Basic): ₹19.1 (non-annualized)

Drivers of financial performance: Higher revenue growth, improved NIMs, and controlled operating expenses

Geographical Revenue Split

Branch Distribution:

  • Rural Areas: 39% of branches, 36% of deposits, 21% of advances
  • Semi-Urban Areas: 38% of branches, 39% of deposits, 33% of advances
  • Urban Areas (including Metro): 23% of branches, 25% of deposits, 46% of advances

Balance Sheet Snapshot

As of H1FY27:

  • Shareholder's Fund: ₹1,523 crore (9% YoY growth from ₹1,391 crore)
  • Deposits: ₹10,831 crore (16% YoY growth from ₹9,317 crore)
  • Borrowings: ₹864 crore (vs ₹577 crore in H1FY26)
  • Advances: ₹9,633 crore (23% YoY growth from ₹7,801 crore)
  • Investments: ₹2,105 crore (8% YoY growth from ₹1,954 crore)
  • Cash and Balances with RBI: ₹1,349 crore
  • Book Value per share: ₹335 (vs ₹307 in H1FY26)
  • CD Ratio (Outstanding): 90.1% (vs 85.6% in Q1FY27 and 84.9% in Q2FY26)

Capex & Cash Flow Health

Not Specified

Strategic & R&D Initiatives

  • Focus on digital transformation with 90% share of digital transactions in non-cash transactions in FY26
  • Leveraging technology and data analytics for scalability and profitable growth
  • Developing alternate digital channels and improving collection efficiency through data-driven early warning systems
  • Expanding branch outreach with focus on transforming Haryana into growth frontier

Industry Trends & Business Environment

Not Specified

Management Commentary & Growth Outlook

  • Vision to become "India's Most Trusted Bank" by 2029
  • Remains committed for disciplined growth, improving margins, strengthening liability traction and maintaining strong asset quality
  • Focus on secured lending primarily for productive purposes with conservative LTV
  • Committee approach followed for larger exposures (₹125 lakhs and above)

ESG Updates

Not Specified

Digital Transformation

  • 90% share of digital transactions in non-cash transactions in FY26 (increasing from 81% in FY23)
  • Deepening customer engagement through digital channels
  • Analyzing data-driven insights to offer customized solutions
  • Increasing cashless banking and automating operations
  • Improving collections through warning systems and monitoring customers through data