Capital Small Finance Bank Limited has informed the Exchange about Presentation and Link of Recording
CAPITALSFB · price
▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.
Awaiting price reaction for this filing.
Capital Small Finance Bank filed its Q1 FY26 (quarter ended June 30, 2025) investor presentation and audio recording of the earnings call held on July 25, 2025. Key Q1 FY26 metrics include total deposits of ₹9,110 crore (up 17% YoY, 9% QoQ) and gross advances of ₹7,437 crore (up 16% YoY). The bank maintained NIM at 4.1% despite a falling interest rate environment, while profit after tax grew 7% YoY to ₹32 crore. Operating profit rose 24% supported by 38% growth in non-interest income and a lower cost-to-income ratio of 60.5%. Asset quality was largely stable with GNPA at 2.7% and NNPA at 1.4%, though credit cost edged up to 0.37% partly due to slippage from a small NBFC/MFI exposure (under 1% of book). The bank has 195 branches across five states and two union territories, with 99.8% of loans secured and no direct microfinance exposure.
The filing is a routine regulatory disclosure rather than a new event, so the immediate stock impact is limited. However, the underlying results show steady growth, stable margins, and controlled asset quality, which are positive signals. Shareholders should note the small but rising credit cost from NBFC/MFI exposures and the modest dip in CASA ratio from 36.9% to 35.9% as areas to watch.