Jalandhar, January 29, 2025 – Capital Small Finance Bank Limited (CAPITALSFB), India’s first small finance bank, has announced strong financial results for Q3 FY25, delivering 18% year-over-year (YoY) growth in Profit After Tax (PAT) and 12% YoY growth in deposits.
Key Financial Highlights (Q3 FY25 vs Q3 FY24)
- Profit After Tax (PAT): ₹34 crore, up from ₹29 crore (+18%)
- Gross Advances: ₹6,816 crore, up from ₹5,718 crore (+19%)
- Disbursement Growth: ₹737 crore (+92% YoY)
- Total Deposits: ₹8,384 crore, up from ₹7,482 crore (+12%)
- CASA Ratio: 39.1%, up from 37.1% in Q2FY25
- Gross Non-Performing Assets (GNPA): 2.67%, down from 2.97% in Q3FY24
- Net Non-Performing Assets (NNPA): 1.35%, down from 1.53% in Q3FY24
- Return on Assets (ROA): 1.4%, up from 1.3% in Q3FY24
- Net Interest Margin (NIM): 4.3%, up from 3.9% in Q3FY24
Nine-Month Performance (9M FY25 vs 9M FY24)
- Total Revenue: ₹73,749 crore (+15.6%)
- Net Profit: ₹97.4 crore (+17%)
- Total Shareholders' Fund: ₹1,302 crore
- Capital Adequacy Ratio (CAR): 25.8%
Operational & Business Growth
- Retail-Centric Deposits: 93.2% of total deposits continue to be from retail customers.
- Diversified Loan Portfolio: 99.8% of advances are secured, with a balanced mix across Agriculture (32%), Mortgage Loans (27%), MSME (20%), and Other Business Loans (20%).
- High Collection Efficiency: Maintained at 100.5% for Q3FY25.
- Zero Direct Microfinance Exposure, reducing credit risk.
Management Commentary & Future Outlook
Managing Director & CEO Sarvjit Singh Samra stated, “We are consistently progressing towards a promising future with sustained profitability and strong asset quality. Our continued focus on secured lending, digital banking, and expansion into new markets positions us well for future growth.”Strategic Focus Areas for FY25
- Increase Credit-to-Deposit Ratio to further enhance NIM and profitability.
- Expand Retail & MSME Lending while maintaining high asset quality.
- Strengthen Digital Banking Offerings for seamless customer experiences.
- Grow Branch Network Beyond 185 Branches across 5 states and 2 Union Territories.