Investor Presentation

CSFB No.2026-2027/349 October 29, 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 September 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 October 29, 2026 regarding Unaudited financial results of Capital Small Finance Bank Limited (“the Bank”) for the period ended on September 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 Investor Presentation Q2 & H1 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 2.36 11.0 INR 9,755 Cr Q-o-Q1: 7.5% GNPA(%): /2.70/2.47 /11.0/10.9 1.12 Q2FY27 (ATS – INR 2.0 Mn) 23.4% NNPA(%): /1.38/1.14 ( /Q2FY26/Q1FY27) Y-o-Y2: Q2FY27 ( /Q2FY26/Q1FY27) Deposit Profile CASA(% of Total Deposits) Deposits Deposits Growth Cost of Deposits(%) 34.5 INR 10,831 Cr 2.2% O/s CASA(%): /33.9/36.7 5.68 Q-o-Q1: /5.92/5.60 34.8 (ATS – INR 0.15 Mn) 16.2% Avg. CASA(%): /34.8/35.3 Q2FY27 Y-o-Y2: ( /Q2FY26/Q1FY27) Q2FY27 ( /Q2FY26/Q1FY27) Earning Profitability Profitability NIM3 Profile ROA4(%):1.39 /1.26/1.30 INR 68 Cr PPOP: /52 Cr/65 Cr PPOP: Y-o-Y2 : 30.9% 4.24% /4.04%/4.21% ROE5(%):12.23 /10.22/11.20 INR 46 Cr PAT: /35 Cr/41 Cr PAT: Y-o-Y2: 30.7% (Q2FY27 /Q2FY26/Q1FY27) Q2FY27 ( /Q2FY26/Q1FY27) Q2FY27 ( /Q2FY26/Q1FY27) 1.Q-o-Q refers to September2026 vs June 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 September 2026 vs September 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 23% YoY Growth 16% YoY Growth 31% YoY Growth Best-in-Class Metrics Quarterly Update Quarterly Update Quarterly Update Quarterly Update • 7.5% QoQ, 23.4% YoY growth • 2.2% QoQ, 16.2% YoY growth • NII growth of 24% YoY • GNPA: 2.36% (improved from 2.47% in Q1FY27) • Disbursement: INR 1,095 Crores • CASA ratio at 34% • Non-Interest Income growth of 28% YoY • NNPA: 1.12% (improved from 1.14% in Q1FY27) • Growth Driver: MSME & Business • Deposit cost declined to 5.7% • PPOP growth of 31% YoY • Credit cost: 0.18% Segment expanded 13% QoQ& 51% • CI Ratio: 59.8% (vs. 59.5% in Q1FY27) • PCR stood at 53.19% (vs. 54.51% in Q1FY27) Key Aspects Key Aspects Key Aspects Key Aspects • ATS of Rs. 19.53 lacs/17.10 lacs • Retail share exceeding ~90%++ • NIM1expanded to 4.24% • SMA 1 & 2 reduced to 3.31% (Q2FY27/Q2FY26) • High rollover ratio (89%+) • Return metrics remain resilient, ROA2 • Industry-low write-offs • 97.0% secured exposure is 1.39%, ROE3is 12.23% • Retail led liability franchise • Zero direct microfinance exposure INR 9,755 Crores INR 10,831 Crores INR 46 Crores 2.36%/1.12% Q2FY27 Advances – ~8.5x Q2FY27 Deposits – ~6x since Q2FY27 PAT – ~13x* since GNPA/NNPA – Stable asset since 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 September 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 Key Financial Highlights – Q2FY27 Gross Advances Deposits Disbursement Profit After Tax (INR Crores) (INR Crores) (INR Crores) (INR Crores) +23% +16% +36% +31% 9,755 10,831 1,095 46 9,317 7,907 805 35 Q2FY26 Q2FY27 Q2FY26 Q2FY27 Q2FY26 Q2FY27 Q2FY26 Q2FY27 ROA (%) Collection Efficiency (%) GNPA (%) NNPA (%) 1.39% 99.5% 2.36% 1.12% Vs Vs Vs Vs 1.26%/1.30% 98.4%/100.2% 2.70%/2.47% 1.38%/1.14% (Q2FY26/Q1FY27) (Q2FY26/Q1FY27) (30thSeptember 2025/ (30thSeptember 2025/ 30thJune 2026) 30thJune 2026) NIM^ (%) CASA (%) CRAR (%) Branches (No’s.) 34.5% 4.24% 20.8% 222 Branches Avg. CASA 34.8% Vs Vs across 5 states 4.04%/4.21% Vs 36.7% 21.6% And 2 Union (Q2FY26/Q1FY27) Avg. CASA 35.3% (30thJune 2026) Territories (30thJune 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 Key Financial Highlights – H1FY27 Gross Advances & Deposits Disbursement PPOP Profit After Tax (INR Crores) (INR Crores) (INR Crores) (INR Crores) YoY 16% YoY 23% YTD* 8% YTD* 12% +26% +27% +30% 20,586 17,224 2,104 133 87 9,755 1,671 104 67 7,907 10,831 9,317 H1FY26 H1FY27 H1FY26 H1FY27 H1FY26 H1FY27 H1FY26 H1FY27 Gross advances Deposit ROA (%) Collection Efficiency (%) GNPA (%) NNPA (%) 1.35% 99.5% 2.36% 1.12% Vs Vs Vs Vs 1.22% 98.4% 2.70% 1.38% (H1FY26) (H1FY26) (H1FY26) (H1FY26) NIM^ (%) CRAR (%) Branches (No’s.) 4.23% 20.8% 222 Branches Vs Vs across 5 states 4.05% 24.2% And 2 Union (H1FY26) (H1FY26) Territories ^NIM has been computed based on the Net Interest income (Interest Income –Interest Expense) and Average Total Assets 7 CASA calculated as total CASA divided by total deposits, ROA [Showing first 8,000 characters — download PDF for full document]