We are pleased to share the financial performance of Capital Small Finance Bank for the quarter and year ended March 31, 2025 — a year marked by healthy advance growth, improved asset quality, and improving return matrix. Despite a challenging macro environment of high interest rates, tighter monetary policy and sectoral asset quality concerns, the Bank witnessed healthy loan growth with improved asset quality, with 99.8% of loans being secured and Gross NPAs improving to 2.58%. We delivered a robust performance with gross advances rising 17% YoY to %7,184 crores and disbursements growing by 38% to %2,846 crores. Owing to lower CD ratio and high liquidity ratios, we chosen calibrated Deposits growth that grew 11% to %8,323 crores. Our CASA ratio stood strong at 36.9%, underscoring the trust of our retail customers. Profit after tax grew 18% to %132 crores, with improvements in both ROA to 1.4% against 1.3% in FY24 and in NIM to 4.2% against 3.9% in FY24. Digital transactions surged to 88%, reflecting our transformation into a technology-led, agile institution. This year marks a special moment in our journey — 9 years as India’s first Small Finance Bank, and 25 years as a trusted financial institution. The milestone reflects our commitment to inclusive banking and long-term value creation. We focused on deepening customer trust, expanding responsibly and building a resilient and agile institution which is Future Ready.”