Capital Small Finance Bank Earnings Call Transcript: Key Takeaways
Q2 FY27 PAT ₹46 Cr (+31% YoY), NIM 4.24%, GNPA 2.36%. Advances +23% YoY. Management deflected on IRDAI banca fee risk and offered no guidance upgrade.
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Q2 FY27 PAT ₹46 Cr (+31% YoY), NIM 4.24%, GNPA 2.36%. Advances +23% YoY. Management deflected on IRDAI banca fee risk and offered no guidance upgrade.
Capital SFB's Q2 FY27 PAT rose 30.7% year-on-year to ₹45.61 crore, while advances grew 23.4%. Asset quality improved, with GNPA at 2.36% and NNPA at 1.12%.
Q2FY27 PAT Rs46 Cr (+31% YoY), NII +24%, advances Rs9,755 Cr (+23% YoY), GNPA 2.36%. Vision 2029 targets 2x advances and 1.5x branches.
Capital Small Finance Bank's board approved two independent director appointments pending shareholder approval. Joseph D'souza is regularised and Nageswara Rao Yalamanchili reappointed.
Capital Small Finance Bank Ltd reported revenue from operations of ₹300.8 Cr (+17.3% YoY) and net profit of ₹45.6 Cr (+30.7% YoY) for Q2 FY27.
Capital SFB's NRC approved vesting of 3,71,400 ESOP options (60% of outstanding) to employees. Vested options are exercisable within one year from vesting date.
Capital Small Finance Bank meets 29 October 2026 to consider September results, Tier II bonds and ESOP changes. Trading window closes 31 October.
The company submitted its quarterly shareholding pattern for the period ended September 30, 2026, in compliance with SEBI Regulation 31(1)(b).
Capital Small Finance Bank intimated BSE of a board meeting on 29 Oct 2026 to consider unaudited standalone Q1 FY27 results. The meeting has not yet been held.
Capital Small Finance Bank allotted equity shares under its ESOP/ESPS scheme. This capital structure update reflects the allotment to eligible employees.
Capital Small Finance Bank allotted 25,885 equity shares under its Employee Stock Option Plans. This allotment increases the bank's total paid-up equity share capital.
Capital Small Finance Bank has scheduled a Securities Committee meeting for October 06, 2026. The committee will consider the allotment of shares under various Employee Stock Option Plans.
Capital Small Finance Bank reported provisional business highlights for Q2 FY27. Gross advances reached ₹9,755 crore, growing 23.4% year-on-year, while total deposits rose 16.2% to ₹10,831 crore.
Capital Small Finance Bank Limited appointed Mrs. Rachna Dikshit as Part-Time Chairman and Mr. Joseph Conrad Agnelo D'souza as an Additional Independent Director.