Capital Small Finance Bank Limited (CSFB) has released its investor presentation for the un-audited financial results for the quarter ended December 31, 2025. The bank reported a 20% year-on-year (YoY) growth in Gross Advances, reaching ₹8,164 crore, and a 25% YoY increase in disbursements to ₹919 crore. The bank's Profit After Tax (PAT) saw a 13% YoY growth to ₹132 crore, excluding an exceptional item of ₹5.13 crore related to past employee services due to the New Labour Code implementation. Net Interest Income (NII) grew by 11% YoY to ₹119 crore, while Non-Interest Income surged by 46% YoY to ₹27 crore. The Cost to Income (CI) ratio improved to 60.9% from 61.7% in the previous quarter. Asset quality showed improvement, with Gross NPA (GNPA) and Net NPA (NNPA) reducing to 2.68% and 1.35%, respectively, from 2.70% and 1.38% in the previous quarter. Credit cost remained stable at 0.20%. The bank highlighted its focus on a retail-focused liability franchise, with retail deposit share at over 90% and a CASA ratio of 35.9%. The yield on advances remained stable at 11.0% for the quarter. Looking ahead, CSFB aims for NIM expansion supported by declining deposit costs and an accelerating Credit-to-Deposit (CD) ratio. The bank plans to expand its branch network, targeting 30%+ branches outside Punjab by 2029, and aims to double its advance book by 2029.
