Net interest income (NII) stood at ₹103.06 crore, up 18.8% YoY, though it declined 3.8% quarter-on-quarter (QoQ). Other income rose 24.5% YoY to ₹25.6 crore but dropped 40.8% QoQ.
Operating profit for the quarter came in at ₹46.84 crore, up 18.7% YoY, while operating expenses rose 20.6% YoY to ₹81.8 crore.
Provisions were down 14.35% QoQ to ₹1.85 crore.
Asset quality remained broadly stable with Gross NPA at 2.58% (vs 2.67% QoQ) and Net NPA at 1.3% (vs 1.35%). Slippages increased to ₹24.6 crore from ₹21.7 crore in Q3, taking the annualised slippage ratio to 1.37%, up from 1.27%.
Business momentum stayed strong:
- Disbursements rose to ₹765 crore, up 13.2% YoY and 3.8% QoQ
- AUM grew 16.6% YoY to ₹7,184 crore
- Deposits stood at ₹8,322.6 crore, up 11.3% YoY, but dipped 0.7% QoQ
- CASA ratio eased to 36.9% from 39.1% in Q3
Also read: CSB Bank confident of returning to 4% margins after temporary dip
The bank saw growth across all loan segments. YoY loan growth was led by corporate (59%), working capital (28%), and housing/LAP (18%). On a sequential basis, corporate, agri, and consumption loans also posted healthy growth between 6–6.3%.
Loan Break-up (₹ crore):
Shares of Capital Small Finance Bank were last seen trading at ₹295.50, down 2.72% at 02:56 PM on the BSE.
First Published: Apr 29, 2025 2:59 PM IST
