Summary

Capital Small Finance Bank Ltd reported a 16.4% Y-O-Y rise in gross advances and a 15% Y-O-Y increase in disbursements in Q1 FY26. The bank's total deposits increased to 39,110 crores, registering a Y-o-Y growth of 17.1% and a Q-o-Q growth of 9.5%. The operating profit (PPOP) has grown by 24%, supported by an increase in non-interest income by 38% and a reduction in cost-to-income ratio to 60.5%. The profit after tax rose to 32 crores, registering growth of 7% Y-o-Y.

Key Highlights

1. 1

   Gross Advances rise by 16.4% Y-O-Y and 3.5% Q-O-Q to 37,437 crore

2. 2

   Disbursements increases 15% Y-O-Y to 2865 crore

3. 3

   Deposits up 17.1% Y-O-Y and 9.5% Q-O-Q to 39,110 crore

4. 4

   Profit After Tax increases 7% Y-O-Y to 32 crore

5. 5

   Non-Interest Income and Operating profit rise by 38% and 24% Y-O-Y to 23 crores and 353 crores, respectively

6. 6

   Net Interest Margin (NIM) stood at 4.1% against 4.1% in Q4FY25

7. 7

   ROA stood at 1.2% against 1.3% in QIFY25

8. 8

   GNPA/NNPA maintained at 2.7% / 1.4% respectively, against 2.7% / 1.3% in QIFY25