Capital Small Finance Bank Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2025.
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Capital Small Finance Bank reported Q1 FY26 results with total income of ₹270 crores, up 15% year-on-year, driven by 13% growth in interest earned and 38% jump in other income. Profit after tax rose 7% YoY to ₹32 crores, while pre-provisioning operating profit (PPOP) grew a stronger 24% on better operating leverage. Total deposits grew 17% YoY to ₹9,110 crores and gross advances rose 16% to ₹7,437 crores, with CASA ratio at 35.9% and net interest margin steady at 4.1%. Asset quality showed slight deterioration with gross NPAs at 2.74% (vs 2.58% in Q4 FY25) and net NPAs at 1.39%, partly attributed to slippage from NBFC/FI-MFI exposures. Capital adequacy remained strong at 24.5%. The statutory auditors (SCV & Co. LLP) issued an unmodified limited review report, and the board also approved the appointment of Mr. Bhavdeep Sardana as an additional non-executive director.
Steady operational performance with healthy deposit and advances growth and improving operating margin (PPOP +24%) supports the bank's franchise strength, but slightly higher NPAs and provisions, plus compression in net profit margin to 11.86%, may temper near-term sentiment. Overall results indicate stable business momentum with no negative audit observations.