Capital Small Finance Bank Limited has informed the Exchange about Investor Presentation

Capital Small Finance Bank reported Q1 FY26 results with total deposits rising 17.1% YoY to ₹9,110 crores and gross advances up 16.4% YoY to ₹7,437 crores, with 99.8% of the loan book secured. Disbursements grew 15% YoY to ₹865 crores, while CASA ratio stood at a healthy 35.9%. The bank maintained net interest margin (NIM) at 4.1% despite a falling interest rate environment, with profit after tax growing 7% YoY to ₹32 crores. Operating profit (PPOP) jumped 24% supported by a 38% rise in non-interest income and a reduction in cost-to-income ratio to 60.5% (from 62.6% in Q4 FY25). Asset quality was largely stable with gross NPAs at 2.7% and net NPAs at 1.4%, though credit cost rose to 0.37% partly due to ₹14.7 crores of slippage from NBFC/FI-MFI exposures (less than 1% of book). The bank operates 195 branches across 5 states and 2 union territories and outlined strategies to improve NIMs by accelerating the credit-to-deposit ratio, expand into contiguous states, and grow its secured retail loan book.