Capital Small Finance Bank Limited has informed the Exchange about Transcript
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Capital Small Finance Bank reported FY25 profit after tax of INR 132 crore, up 18% year-on-year, with Q4 PAT at INR 34 crore (up 21% QoQ). Loan portfolio grew 17% YoY to INR 7,184 crore while deposits rose 11.3% to INR 8,323 crore. Asset quality improved with gross NPA declining to 2.58% and net NPA to 1.3%. Net interest margin expanded to 4.2% from 3.9% and ROA improved to 1.4%. Management guided for over 20% loan growth in FY26, ROA improvement, NIM maintenance around current levels, and net NPA reduction to below 1% to support universal banking license eligibility. The bank plans to add 20-25 branches and enter one new state in FY26.
Strong FY25 results with improving profitability metrics and stable asset quality are positive signals. Management's guidance on continued ROA improvement, NIM stability despite rate cuts, and net NPA reduction below 1% in FY26 supports the growth and profitability narrative for shareholders.