Capital Small Finance Bank Ltd
P&L
Quarterly Standalone
vs Q2 FY25
Capital Small Finance Bank Ltd Reports 18% Y-o-Y Growth in PAT for Q3 FY25 and 9M FY25
29 Jan 2025 · 29 Jan 2025, 10:55 pm
Summary
Capital Small Finance Bank Ltd, India's first small finance bank, announced its un-audited financial results for Q3 FY25 and 9M FY25 ended on December 31, 2024. The bank reported a Profit After Tax (PAT) of Rs. 34.0 crores, reflecting 18% Y-o-Y growth. Gross advances increased to Rs. 6,816 crores, registering a growth of 19% Y-o-Y. Deposits grew to Rs. 8,384 crores, with a Y-o-Y growth of 12%.
Key Highlights
- 1
Gross Advances increase by 19% Y-o-Y to Rs. 6,816 crores
- 2
Deposits grow by 12% Y-o-Y to Rs. 8,384 crores
- 3
Profit after Tax increases by 18% Y-o-Y to Rs. 34 crores
- 4
ROA inched up to 1.4%
- 5
Cost to Income Ratio decreases to 62.1%
- 6
Gross NPA of 2.67% and a Net NPA of 1.35% in Q3FY25
Management Comments
Mr. Sarvjit Singh Samra
MD & CEO of Capital Small Finance Bank
We are consistently progressing towards a promising future and have closed the Q3FY25 with a Profit After Tax (PAT) of %34.0 crores, reflecting 18% Y-o-Y growth, with Return on Assets (ROA) inched up to 1.4%, scaling from 1.3% in Q3FY24. Gross advances increased to 36,816 crores, registering a growth of 19% Y-o-Y, with disbursement growth of 92%, with reduction in GNPA/NNPA to 2.67%/1.35%. Our deposits continue to be retail centric with CASA of 39.1%, grew to 38,384 crores, with a Y-o-Y growth of 12% and an 8% Q-o-Q. These results underscore our commitment to deliver progressive growth while remaining steadfast in our mission to accessible banking for all. As we look forward, we are optimistic towards our growth momentum and delivering value to our stakeholders.
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