Updates

CSFB 2026-27/ 185 July 02, 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Obligations and Disclosure Requirements) Regulations, 2015 and Code of Practices and Procedures for Fair Disclosure of Unpublished Price Sensitive Information in terms of Regulation 8 read with Schedule A of SEBI (Prohibition of Insider Trading) Regulations, 2015, we hereby submit business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 June 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 June 30, 2026 ₹ in crores, rounded off to nearest number June 30, 2026 Particulars March 31, 2026 Q-o-Q Growth June 30, 2025 Y-o-Y Growth (Provisional) Gross Advances 9,074 8,687 4.5% 7,437 22.0% Gross NPA 2.47% 2.54% - 2.75% - (% of gross advances) Total Deposits 10,596 10,018 5.8% 9,110 16.3% Management Commentary 🏦 Loan Portfolio The Bank commenced the financial year on strong footing, with healthy advance growth in Q1FY27. The gross advances stood at ₹9,074 crores as of June 30, 2026, reflecting a year-on-year growth of 22.0% and quarter- on-quarter growth of 4.5%. The disbursements during the quarter increased to ₹1,009 crores, as compared to ₹865 crores in Q1FY26 reflecting a growth of 16.5%. The loan book remains well-diversified, with ~98% being secured, consistent with the Bank’s prudent, retail-focused lending philosophy. 📊 Asset Quality Asset quality strengthened further during the quarter, with Gross NPAs at 2.47% as of June 30, 2026, as compared to 2.54% in Q4FY26 and 2.75% in Q1FY26. 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 ₹10,596 crores as of June 30, 2026 registering a year-on-year growth of 16.3% and quarter-on-quarter growth of 5.8%. The CASA ratio remained healthy and stood at 36.7% as of June 30, 2026, as compared to 34.7% as of March 31, 2026 and 35.9% as of June 30, 2025, reflecting continued strengthening of the Bank's retail deposit franchise and deeper customer engagement across its branch network. The Bank continues to build a stable, diversified and cost-efficient liability franchise to support long-term growth. 🔁 Loan-to-Deposit & Liquidity Ratio The average^ CD ratio of the Bank for the quarter ended June 30, 2026 stood at 83.1% which was 82.3% for the quarter ended March 31, 2026 and 80.9% for the quarter ended June 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 ***********************