Capital Small Finance Bank Ltd has released its Q2 and H1 FY2025-26 business highlights. The bank has shown significant growth in various aspects of its operations.
In terms of deposits, the bank has witnessed a substantial increase of 26.67% year-on-year (YoY), with total deposits reaching ₹6,444.92 crore as of September 30, 2025. The bank’s CASA (Current Account Savings Account) deposits have also grown by 24.31% YoY, constituting 24.51% of the total deposits.
The bank’s gross advances have increased by 22.45% YoY, reaching ₹5,554.11 crore as of September 30, 2025. The net interest income (NII) has also shown a significant growth of 20.64% YoY, reaching ₹134.91 crore for Q2 FY2025-26. The bank’s net interest margin (NIM) has remained stable at 4.36% for Q2 FY2025-26.
In terms of asset quality, the bank’s gross non-performing assets (GNPA) have decreased to 2.14% as of September 30, 2025, from 2.42% as of September 30, 2024. The net non-performing assets (NNPA) have also decreased to 0.93% as of September 30, 2025, from 1.27% as of September 30, 2024.
The bank’s capital adequacy ratio (CAR) has remained strong at 18.53% as of September 30, 2025, well above the regulatory requirement of 15%. The bank’s return on assets (ROA) has improved to 1.43% for Q2 FY2025-26, from 1.24% for Q2 FY2024-25.
For H1 FY2025-26, the bank’s NII has grown by 20.14% YoY, reaching ₹265.49 crore. The bank’s profit after tax (PAT) has also shown a significant growth of 24.19% YoY, reaching ₹74.55 crore for H1 FY2025-26.
Overall, Capital Small Finance Bank Ltd has demonstrated a strong performance in Q2 and H1 FY2025-26, with significant growth in deposits, advances, and net interest income. The bank’s asset quality has also improved, with a decrease in GNPA and NNPA. The bank’s strong capital adequacy ratio and improving return on assets are also positive indicators of its financial health.
The bank’s ability to maintain its growth momentum and improve its asset quality will be crucial in achieving its long-term goals. With a strong foundation in place, Capital Small Finance Bank Ltd is well-positioned to capitalize on the growing demand for banking services in India.
The bank’s commitment to providing high-quality services to its customers and its focus on innovation and technology will be essential in driving its future growth. As the Indian banking sector continues to evolve, Capital Small Finance Bank Ltd is likely to remain a key player, with its strong financials and customer-centric approach.