Capital Small Finance Bank Ltd

Meeting Details

• Date and time: 02 September 2026, 2:00 pm onwards.
• Type: 1x1 / Group Meeting; Mode: Physical.
• Organiser: ASHWAMEDH – Elara India Dialogue 2026 Conference; Place: Mumbai.

Participants

• Key participants from the company: Company Secretary & Compliance Officer.

Purpose

• Purpose: Attendance at investor conference for analyst/institutional investor interaction.

Capital / Securities

• Approved grant of 3,561 equity shares to Santosh Kumar Dhawan as variable pay for FY 2025-26.
• Exercise price set at Rs 10 per share.
• Vesting in three tranches: 1,187 shares on Aug 24, 2027.
• 1,187 shares vest on Apr 30, 2028; 1,187 on Apr 30, 2029.
• Total shares covered: 3,561.

ESOP grant for Munish Jain

• RBI approved variable pay for FY25-26 to Munish Jain, Executive Director.
• 50% of the variable pay will be granted as ESOPs.
• Total ESOPs grant: 25,582; shares of face value Rs 10.
• Exercise price is Rs 10 per share.
• Vesting: 8,527 shares on Aug 11, 2027; 8,527 on Apr 30, 2028; 8,528 on Apr 30, 2029.
• Exercise window: one year from each vesting date.
• SEBI circular requirements are not applicable.
• RBI letter dated August 06, 2026 approved the variable pay.

Financial Performance

• Gross advances: INR 9,074 crores, up 22% YoY.
• Total deposits: INR 10,596 crores, up 16% YoY.
• CASA ratio: 36.7% (from 34.7% in March 2026).
• NIM: 4.21% for Q1 FY27.
• PAT: INR 41 crores for the quarter.
• GNPA: 2.47%, NNPA: 1.14%.
• PCR: 54.5%, up from 51.9%.
• Cost of deposits: 5.6%, down from 5.8%.
• Branch network: 216 branches across 5 states and 2 UTs.

Segment and Asset Quality

• Non-Punjab advances grew over 30% YoY.
• Average ticket size: INR 19.04 lakhs.
• Segment mix: business loans 27%, mortgage 25%, agriculture 27%, corporate 14%.
• Disbursement mix: business loans 35%, mortgage 21%, agriculture 15%, NBFCs/large corporates 20%.
• Outside Punjab advances >30% YoY; outside Punjab assets ~25%.
• LAP yield: 12.27%; growth 5% QoQ, 18% YoY.
• 4% of portfolio is secured.

Balance Sheet and Liquidity

• Capital adequacy ratio: 21.6%.
• Liquidity Coverage Ratio: 184.18%.
• Average CD ratio: 83%; target mid- to high-80s.
• Deposits constitute around 95% of outside liabilities.

Guidance and Outlook

• ROA target: 1.4% in FY27; 1.6%+ by FY29.
• ROE target: 15%+ by FY29.
• Loan book target: INR 16,000 crores by FY29.
• NIM around 4.2% in FY27; potential expansion in FY28-29.
• CD ratio to rise to mid- to high-80s.
• Deposits repricing benefit realized; cost of deposits at 5.6%.
• Opex to improve in FY27; larger scale impact in FY29.

Q&A Highlights

• MSME: average ticket INR 28 lakhs; QoQ growth 11%, YoY 49%.
• PCR strategy: Net NPA target below 1%.
• Book mix: 50% fixed, 50% floating aiding NIM stability.
• Universal bank aspiration: board will decide; pursue UCB license.
• Outside Punjab metrics: assets 25%, liabilities 10%.

Meeting Details

• Date and time: Friday, July 24, 2026 at 11:00 IST.
• Type and mode: earnings conference call, group teleconference.
• Organizer: Capital Small Finance Bank Limited.

Participants

• Managing Director & CEO will participate.
• Executive Director will participate.
• Chief Financial Officer will participate.
• Chief Credit Officer (Branch Banking) will participate.
• Chief Treasury Officer & Investor Relations Lead will participate.
• Investor Relations Team will participate.

Purpose

• Earnings conference call to discuss Q1 FY27 financial and operational performance.

Meeting Details

• Board meeting scheduled for July 23, 2026; time and venue not disclosed.

Key Agenda Items

• Consider and approve unaudited standalone financial results for the period ended June 30, 2026.

Dematerialisation processing and listing status

• Dematerialisation requests processed; securities confirmed to depositories by the RTA.
• Securities dematerialised listed on the stock exchanges where existing securities are listed.
• Physical certificates mutilated, cancelled after due verification; depository owner substituted within timelines.
• No exceptions, delays, or non-compliance reported.

Q1FY27 Highlights

• Provisional June 30, 2026: gross advances ₹9,074 cr, up 22.0% YoY.
• Disbursements in Q1FY27: ₹1,009 cr, up 16.5% YoY.
• Gross NPAs: 2.47% of gross advances as of 30 Jun 2026.
• Total deposits: ₹10,596 cr; YoY +16.3%, QoQ +5.8%.
• CASA ratio: 36.7% as of 30 Jun 2026.
• Average CD ratio: 83.1% for quarter ended 30 Jun 2026.
• Loan book remains ~98% secured; retail-focused lending.