Investor Presentation

CSFB No.2026-2027/216 July 23, 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 Sub: Investor Presentation on Unaudited Financial Results of Capital Small Finance Bank Limited for the period ended on June 30, 2026 Ref: Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 Respected Sir/Madam, In continuation to outcome of board meeting held on July 23, 2026 regarding Unaudited financial results of Capital Small Finance Bank Limited (“the Bank”) for the period ended on June 30, 2026, we submit herewith the Investor Presentation on the same. The Investor Presentation may also be accessed on the website of the Bank at the link:- https://www.capital.bank.in/investors/financial-results This is for your information and records. Thanking You, For and on behalf of Capital Small Finance Bank Limited Amit Sharma Company Secretary and Compliance Officer Membership No. F10888 Encl: as above STEADY TODAY STRONGER TOMORROW Investor Presentation Q1 FY27 Safe Harbour This presentation and the accompanying slides (the “Presentation”), which have been prepared by Capital Small Finance Bank Limited (the “Company”), have been prepared solely for information purposes and do not constitute any offer, recommendation or invitation to purchase or subscribe for any securities, and shall not form the basis or be relied on in connection with any contract or binding commitment whatsoever. No offering of securities of the Company will be made except by means of a statutory offering document containing detailed information about the Company. This Presentation has been prepared by the Company based on information and data which the Company considers reliable, but the Company makes no representation or warranty, express or implied, whatsoever, and no reliance shall be placed on, the truth, accuracy, completeness, fairness and reasonableness of the contents of this Presentation. This Presentation may not be all inclusive and may not contain all of the information that you may consider material. Any liability in respect of the contents of, or any omission from, this Presentation is expressly excluded. This presentation contains certain forward-looking statements concerning the Company’s future business prospects and business profitability, which are subject to a number of risks and uncertainties, and the actual results could materially differ from those in such forward-looking statements. The risks and uncertainties relating to these statements include, but are not limited to, risks and uncertainties regarding fluctuations in earnings, our ability to manage growth, competition (both domestic and international), economic growth in India and abroad, ability to attract and retain highly skilled professionals, time and cost over runs on contracts, our ability to manage government policies and actions regulations, interest and other fiscal costs generally prevailing in the economy. The Company does not undertake to make any announcement in case any of these forward-looking statements become materially incorrect in future or update any forward-looking statements made from time to time by or on behalf of the Company. Business at a Glance Asset Profile Asset Quality Yield on Advances(%) Loan Book Loan Book Growth 2.47 10.9 INR 9,074 Cr Q-o-Q1: 4.5% GNPA(%): /2.75/2.54 /11.1/10.8 1.14 Q1FY27 (ATS – INR 0.19 Cr) 22.0% NNPA(%): /1.39/1.24 ( /Q1FY26/Q4FY26) Y-o-Y2: Q1FY27 ( /Q1FY26/Q4FY26) Deposit Profile CASA(% of Total Deposits) Deposits Deposits Growth Cost of Deposits(%) 36.7 INR 10,596 Cr 5.8% O/s CASA(%): /35.9/34.7 5.6 Q-o-Q1: /5.9/5.7 35.3 (ATS – INR 0.01 Cr) 16.3% Avg. CASA(%): /36.0/34.8 Q1FY27 Y-o-Y2: ( /Q1FY26/Q4FY26) Q1FY27 ( /Q1FY26/Q4FY26) Earning Profitability Profitability NIM3 Profile ROA4(%):1.30 /1.18/1.33 INR 65 Cr PPOP: /53 Cr/62 Cr PPOP: Y-o-Y2 : 23.1% 4.2% /4.1%/4.1% ROE5(%):11.20 /9.43/11.44 INR 41 Cr PAT: /32 Cr/40 Cr PAT: Y-o-Y2:29.0% (Q1FY27 /Q1FY26/Q4FY26) Q1FY27 ( /Q1FY26/Q4FY26) Q1FY27 ( /Q1FY26/Q4FY26) 1.Q-o-Q refers to June 2026 vs March 2026 3. NIM has been computed based on the Net Interest income (Interest Income –Interest Expense) and Average Total Assets 3 2.Y-o-Y refers to June 2026 vs June 2025 4. ROA is calculated as % of Avg Assets 5. ROE is calculated as % of Avg Equity; Figures have been rounded off wherever applicable. Differentiated Bank Serving the Middle Income Segment Advances Deposits Profitability Asset Quality 22% YoY Growth 16% YoY Growth 29% YoY Growth Best-in-Class Metrics Quarterly Update Quarterly Update Quarterly Update Quarterly Update • 4.5% QoQgrowth; 22.0% YoY • 5.8% QoQgrowth, 16.3% YoY • NII growth of 22% YoY • GNPA: 2.47% (improved from 2.54% in Q4FY26) • Disbursement: INR 1,009 Crores • CASA ratio at 37% • Non-Interest Income growth of 11% YoY • NNPA: 1.14% (improved from 1.24% in Q4FY26) • Growth Driver: MSME Segment • Deposit cost declined to 5.6% • CI Ratio: 59.5% (vs. 58.2% in Q4FY26) • Credit cost: 0.31% expanded 11% QoQ& 49% YoY • PPOP growth of 23% YoY • PCR improved to 54.51% (vs. 51.89% in Q4FY26) Key Aspects Key Aspects Key Aspects Key Aspects • ATS of Rs. 19.04 lacs/16.59 lacs • Retail share exceeding ~90%++ • NIM1expanded to 4.21% • SMA 1 & 2 reduced to 4.78% (Q1FY27/Q1FY26) • High rollover ratio (90%+) • Return metrics remain resilient, ROA2 • Robust underwriting & cash flow • 97.4% secured exposure is 1.30%, ROE3is 11.20% assessment • Retail led liability franchise • Zero direct microfinance exposure • Industry-low write-offs INR 9,074 Crores INR 10,596 Crores INR 41 Crores 2.47%/1.14% Q1FY27 Advances – ~8x since Q1FY27 Deposits – ~6x since Q1FY27 PAT – ~12x* since GNPA/NNPA – Stable asset FY16 FY16 FY16 quality *AnnualisedBasis 1. NIM has been computed based on the Net Interest income (Interest Income –Interest Expense) and Average Total Assets Data as of June 2026 2. ROA is calculated as % of Avg Assets 3.ROE is calculated as % of Avg Equity Numbers have been rounded off wherever applicable Performance Highlights Q1FY27 Key Financial Highlights – Q1FY27 Gross Advances Deposits Disbursement Profit After Tax (INR Crores) (INR Crores) (INR Crores) (INR Crores) +22% +16% +17% +29% 9,074 10,596 1,009 41 7,437 9,110 865 Q1FY26 Q1FY27 Q1FY26 Q1FY27 Q1FY26 Q1FY27 Q1FY26 Q1FY27 ROA (%) Collection Efficiency (%) GNPA (%) NNPA (%) 1.30% 100.2% 2.47% 1.14% Vs Vs Vs Vs 1.18%/1.33% 100.8%/99.1% 2.75%/2.54% 1.39%/1.24% (Q1FY26/Q4FY26) (Q1FY26/Q4FY26) (30thJune 2025/ (30thJune 2025/ 31stMarch 2026) 31stMarch 2026) NIM^ (%) CASA (%) CRAR (%) Branches (Nos.) 4.21% 36.7% 21.6% 216 Branches Vs Avg. CASA 35.3% Vs across 5 states 4.06%/4.06% Vs 22.3% And 2 Union (Q1FY26/Q4FY26) 34.7% (31stMarch 2026) Territories (31stMarch 2026) ^NIM has been computed based on the Net Interest income (Interest Income –Interest Expense) and Average Total Assets 6 CASA calculated as total CASA divided by total deposits, ROA is calculated as % of Avg Assets Numbers have been rounded off wherever applicable Asset Portfolio Well-Diversified Credit Portfolio – Q1FY27 MSME, Trading & Other Business Agricultural Loans Mortgage Loans Corporate Loans Consumption & Other Loans Loans • Working Capital loan • Kisan Credit Card • Housing Loan • Term loan to NBFCs • Auto Loan • Gold Loan • Project Financing • Agricultural Term Loan • Loan Against Property • Term Loan to MFI’S • Loan Against FDRs • Machinery loan INR 2,282 Crores INR 1,291 Crores Housing Loan LAP NBFCs (Non-MFI) MFIs INR 2,452 Crores INR 2,425 Crores INR 977 Crores INR 1,304 Crores INR 624 Crores INR 1,260 Crores INR 31 Crores Gross INR 1,648 Cr / 2,209 Cr INR 2,246 Cr/ 2,452 Cr INR 889 Cr/945 Cr INR 1,108 Cr/1,247 Cr INR 529 Cr / 633 Cr INR 945 Cr / 1,162 Cr INR 72 Cr/ 39 Cr Advances (Q1FY26/Q4FY26) (Q1FY26/Q4FY26) (Q1FY26/Q4FY26) (Q1 [Showing first 8,000 characters — download PDF for full document]