Capital Small Finance Bank Ltd (NSE:CAPITALSFB)

Q2 2026 Capital Small Finance Bank Ltd Earnings Call Transcript

Oct 30, 2025 / 06:00 AM GMT

Release Date Price: ₹284.2 (-0.92%)

Transcript

Key Points

Positve

Capital Small Finance Bank Ltd (NSE:CAPITALSFB) reported a strong deposit mobilization with total deposits reaching 9,317 crores, up around 20% year on year.
Gross advances grew by approximately 18% year on year, supported by healthy disbursement activity across mortgage, MSME, and agriculture segments.
Asset quality remained stable with gross NPA at 2.70% and net NPA at 1.38%, reflecting continued prudence and strong recoveries.
The bank maintained a net interest margin of 4%, and profit after tax increased by 5% year on year, supported by steady operating performance.
The bank's capital ratio remains strong at 24.2%, providing ample room for future growth.

Negative

The bank's profit after tax growth of 5% year on year was lower compared to the 18% growth in advances, indicating margin pressures.
The cost to income ratio stood at 61.7%, reflecting ongoing challenges in cost optimization despite efforts to improve operational efficiency.
The bank's exposure to agriculture loans, which constitute 30% of the portfolio, faced challenges due to recent floods in Punjab, although the impact was managed.
The net interest margin slightly declined to 4.04% from 4.1% in the previous quarter, with the full benefit of deposit repricing yet to be realized.
The bank's non-interest income remained at 0.9% of average assets, indicating limited growth in this area despite the absence of treasury earnings.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

CPIA.NS - Capital Small Finance Bank Ltd
Q2 2026 Capital Small Finance Bank Ltd Earnings Call
Oct 30, 2025 / 06:00AM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, good day and welcome to Capital Small Finance Bank Limited, Q2 and H1FY26 earnings conference call. As a reminder, all participant clients will be in the less only mode, and there will be an opportunity for you to ask questions after the presentation concludes. Should you need assistance during the conference call, please signal an operator by pressing, then 0 on your touchstone phone. Please note that this conference is being recorded. I now have the conference over to Mr. Sarjeet Sanga from Capital Small Finance Bank Limited.

Thank you and over to you, sir.

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Unidentified_2 [2]
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