Updates

CSFB No. 2026-27/305 October 01, 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 Dear Sir/Madam Sub: Disclosure under SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 Pursuant to Regulation 30 read with Schedule III of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 and Code of Practices and Procedures for Fair Disclosure of Unpublished Price Sensitive Information in terms of Regulation 8 read with Schedule A of SEBI (Prohibition of Insider Trading) Regulations, 2015, we hereby submit business highlights for the quarter ended September 30, 2026 as ANNEXURE appended herewith. The information presented herein is provisional, subject to limited review by the statutory auditors of the Bank and approval from the Audit Committee & Board of Directors. A copy of this letter is being uploaded on the website of the Bank at www.capital.bank.in. For Capital Small Finance Bank Limited Amit Sharma Company Secretary and Compliance Officer Membership No. F10888 ANNEXURE Key Business Update for the quarter ended September 30, 2026 ₹ in crores, rounded off to nearest number Sep 30, 2026 Particulars June 30, 2026 Q-o-Q Growth Sep 30, 2025 Y-o-Y Growth (Provisional) Gross Advances 9,755 9,074 7.5% 7,907 23.4% Gross NPA 2.36% 2.47% - 2.70% - (% of gross advances) Total Deposits 10,831 10,596 2.2% 9,317 16.2% Management Commentary 🏦 Loan Portfolio Continuing with the growth momentum, the gross advances grew to ₹9,755 crores as of September 30, 2026, reflecting a year-on-year growth of 23.4% and quarter-on-quarter growth of 7.5%. The disbursements during the quarter increased to ₹1,095 crores, as against ₹805 crores in Q2FY26 reflecting a growth of 36.0%. The loan book remains well-diversified, with ~97% being secured, consistent with the Bank’s prudent, retail-focused lending philosophy. 📊 Asset Quality Asset quality shows further improvement, during the quarter with Gross NPAs at 2.36% as of September 30, 2026, against 2.47% as of June 30, 2026 and 2.70% as of September 30, 2025. The improvement reflects the Bank’s disciplined underwriting standards, proactive recovery mechanisms and the inherent resilience of its well-secured, granular and diversified loan portfolio. 💰 Deposits Total deposits increased to ₹10,831 crore as of September 30, 2026, registering a growth of 16.2% year-on- year and 2.2% quarter-on-quarter. CASA deposits remained healthy and stood at ₹3,734 crore, representing 34.5% of total deposits, as compared to 33.9% as of September 30, 2025, reflecting continued strength of the Bank's retail deposit franchise and deeper customer engagement across its branch network. The Bank continues to have a stable, diversified and cost-efficient liability franchise to support the long-term growth. 🔁 Loan-to-Deposit & Liquidity Ratio The average^ CD ratio of the Bank for the quarter ended September 30, 2026 stood at 85.4% which was 81.5% for the quarter ended September 30, 2025. The Bank’s liquidity position remains comfortable, supported by a well-capitalised balance sheet that provides adequate headroom to sustain and accelerate growth going forward. ^ average is calculated basis daily outstanding balances ***********************