Shareholders meeting

Ref No. 2026- 27/156 Date: June 25, 2026 BSE Limited National Stock Exchange of India Limited Listing Compliance The Listing Department, Phiroze Jeejeebhoy Towers Exchange Plaza, Dalal Street Bandra Kurla Complex, Mumbai 400 001 Mumbai - 400 051 Maharashtra Maharashtra Scrip Code: 544120 Symbol: CAPITALSFB Subject: Proceedings of the 27th Annual General Meeting of Capital Small Finance Bank Limited Ref: Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 (“Listing Regulations”) Dear Sir/Madam, We wish to inform you that the 27th Annual General Meeting (AGM) of Capital Small Finance Bank Limited (“the Bank”) was held on Thursday, June 25, 2026 at 04:00 P.M. (IST) through Video Conferencing/Other Audio-Visual means. Pursuant to Regulation 30 of Listing Regulations, we enclose herewith, the summary of proceedings of the AGM. The Bank will submit the combined results of e-voting in compliance with Regulation 44 of the Listing Regulations, along with the Scrutinizer’s report to the Stock Exchanges in due course. The proceedings may also be accessed on the website of the Bank at the link: www.capital.bank.in This is for your information and record. Thanking you, Yours Truly, For Capital Small Finance Bank Limited Amit Sharma Company Secretary FCS10888 Encl.: As Above Summary of the proceedings of the 27th Annual General Meeting of members of the Capital Small Finance Bank Limited (“the Bank”) held on Thursday, June 25, 2026 deemed to be held at Registered Office of the Bank at MIDAS Corporate Park, 3rd Floor, 37, G.T Road, Jalandhar – 144001 Punjab by means of Video Conferencing ("VC")/Other Audio-Visual Means ("OAVM") commenced at 04:00 P.M. (IST) and concluded at 04:34 P.M. (IST) The 27th Annual General Meeting (“AGM” / “Meeting”) of the members of Capital Small Finance Bank Limited (“the Bank”) was held on Thursday, June 25, 2026 at 04:00 P.M. (IST) through Video Conferencing (“VC”)/ Other Audio-Visual Means (“OAVM”) in compliance with the applicable provisions of the Companies Act, 2013 (the “Act”) and the Rules made thereunder and Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 (“SEBI Listing Regulations”) read with General Circulars Nos. 14/2020 dated April 08, 2020, 17/2020 dated April 13, 2020, 20/2020 dated May 05, 2020 and subsequent circulars issued in this regard, the latest being 03/2025 dated September 22, 2025 issued by the Ministry of Corporate Affairs (“MCA Circulars”). Mr. Amit Sharma, Company Secretary and Compliance officer, welcomed the Members to the Meeting. Mr. Navin Kumar Maini, Part-Time Chairman of the Board, chaired the Meeting. After ascertaining that the requisite quorum is present, he declared the meeting to order and started the proceedings of the meeting. He then briefed the Members regarding their participation at the Meeting through VC/OAVM. Mr. Amit Sharma, Company Secretary introduced the following Directors, Key Managerial Personnel and Auditors, who were present at the meeting through VC/OAVM:  Mr. Navin Kumar Maini, Part Time Chairman and Independent Director  Mr. Sarvjit Singh Samra, Managing Director & CEO  Mr. Munish Jain, Executive Director  Mr. Bhavdeep Sardana, Non Executive Non Independent Director  Mr. Gurpreet Singh Chug Independent Director (Chairman of Audit Committee)  Ms. Rachna Dikshit, Independent Director  Mr. Nageswara Rao Yalamanchili, Independent Director  Mr. Kamaldeep Singh Sangha, Independent Director (Chairman of Nomination and Remuneration Committee & Stakeholders Relationship Committee)  Mr. Sukhen Pal Babuta, Independent Director  Mr. Aseem Mahajan, Chief Financial Officer  Mr. Bunny Sehgal, Prop. B. Sehgal & Associates, Practicing Company Secretary (Scrutinizer)  Mr. Sunny Singh, SCV & Co. LLP, Chartered Accountants (Statutory Auditors)  Mr. Deepak Arora, Deepak Arora & Associates, Secretarial Auditors  Mr. Amit Sharma, Company Secretary and Compliance Officer He further informed that Mr. Bunny Sehgal, Proprietor of B. Sehgal and Associates (Membership No. : F11407 and COP No. : 15161) Practicing Company Secretary, Scrutinizer appointed by the Board of Directors of the Bank for conducting the e-voting at the AGM and remote e-voting process in a fair and transparent manner, was also present through VC/OAVM. He further informed the member that the soft copy of the Notice convening the AGM along with the Annual Report for the Financial Year 2025 – 26 have been sent to all the Members holding shares in dematerialized mode and whose e- mail addresses are available with the Depository Participant(s) as well as to all the Members holding shares in physical form whose e-mail addresses are registered with the Bank and with the RTA for communication purposes. A letter providing a web-link for accessing the Annual Report and AGM Notice was sent to those Members who had not registered their e-mail IDs. Mr. Navin Kumar Maini, Part – time Chairman extended his deepest gratitude to all those who have been an integral part of the Bank’s journey i.e. the esteemed customers, the distinguished Board of Directors, the valued shareholders, the dedicated employees and the Regulators. He welcomed all the Members to the 27th Annual General Meeting of Capital Small Finance Bank and briefed the Members as under:  Over the years, your Bank has built a reputation of a disciplined, customer-centric and well- governed financial institution. As we gather today, we sense a pride in what we have achieved and are confident of the opportunities ahead.  FY26 was a year the Indian economy navigated with quiet resilience. The global environment remains challenging, with the Middle East conflict impacting energy markets, elevating commodity prices, and moderating global growth expectations. For emerging economies like India, these developments have resulted in some volatility in inflation, currency movements, and capital flows, largely linked to fluctuations in crude oil prices and global risk sentiment.  Amidst this backdrop, India continues to stand out as one of the fastest-growing major economies, with GDP growth of ~6.5%, rural demand holding up and government capital spending continuing.  In the banking system, credit growth has remained strong at around 16%, while deposit growth has been relatively moderate at 13–14%, leading to increased competition for deposits and some pressure on the funding costs across the sector. He further mentioned that amidst the backdrop, the Bank has performed exceedingly well and shared few insights on Bank’s Performance, as under:  Capital Small Finance Bank remains well positioned, supported by its deep presence in semi- urban and rural markets, a secured and granular loan book, and a diversified, retail-focused deposit franchise. In FY26, we witnessed steady momentum across key business parameters:  Total deposits crossed ₹10,000 crore, growing 20% year-on-year, with CASA broadly stable at ~35%  Gross advances stood at ₹8,687 crore, registering ~21% year-on-year growth  Asset quality remained stable, with GNPA at ~2.5% and NNPA at ~1.2%  Our performance reflects the strength of our business model, the quality of our customer franchise, and the disciplined and meticulous execution of our strategy. More importantly, it demonstrates our ability to grow responsibly while preserving the principles of prudence, stability and sustainability that have guided the Bank since its inception.  Having completed ten years as India’s first Small Finance Bank and twenty-six years as a Banking Institution, the opportunities ahead are larger and more significant than the ones behind us, offering abundant prospects for growth, albeit in an increasingly complex environment. Guided by a clear strategic roadmap and supported by strong management oversight, we will continue to focus on responsible growth, operational excellence, customer service, technological advancement and prudent risk m [Showing first 8,000 characters — download PDF for full document]