Capital Small Finance Bank Q3 FY25 Results

Chandigarh/ Jalandhar, January 30, 2025: Capital Small Finance Bank Ltd, India’s first small finance bank commenced operations in 2016, declared its un-audited financial results for Q3 FY25 and 9M FY25 ended on December 31, 2024.

Mr. Sarvjit Singh Samra, MD & CEO of Capital Small Finance Bank, said,

“We are consistently progressing towards a promising future and have closed the Q3FY25 with a Profit After Tax (PAT) of ₹34.0 crores, reflecting 18% Y-o-Y growth, with Return on Assets (ROA) inched up to 1.4%, scaling from 1.3% in Q3FY24. Gross advances increased to ₹6,816 crores, registering a growth of 19% Y-o-Y, with disbursement growth of 92%, with reduction in GNPA/NNPA to 2.67%/1.35%. Our deposits continue to be retail centric with CASA of 39.1%, grew to ₹8,384 crores, with a Y-o-Y growth of 12% and an 8% Q-o-Q.

These results underscore our commitment to deliver progressive growth while remaining steadfast in our mission to accessible banking for all. As we look forward, we are optimistic towards our growth momentum and delivering value to our stakeholders.”

Key Highlights Q3 FY25:

Balance Sheet growth:

•  Gross Advances increases by 19% Y-o-Y and 11% YTD to Rs. 6,816 crores, with 99%+ being secured and Zero direct MFI exposure.
•  Deposit increases by 12% Y-o-Y and with Q-o-Q growth of 8% to Rs. 8384 crores, with 93.2% being the retail deposit.
•  CASA ratio of 39.1% in Q3FY25 against 37.1% in Q2FY25.
•  Total Shareholder’s fund stood at Rs. 1,302 crores.

Profitability Growth:

•  Profit after Tax increases to Rs. 34 crore with 18% growth Y-o-Y basis.
•  ROA inched up to 1.4%, scaling from 1.3% in Q3FY24
•  NIM increases to 4.3% in Q3FY25 against 3.9% in Q3FY24.
•  Cost to Income Ratio decreases to 62.1% in Q3FY25 against 62.8% in Q3FY24

Other Aspects:

•  Capital Adequacy Ratio stood at 25.8%.
•  Gross NPA and Net NPA of 2.67% and 1.35% respectively in Q3FY25 against 2.97% and 1.53% in Q3FY24, with ~ZERO write offs.