Elevated SMA 1&2 pool
SMA 1&2 pool stood at 6.46% as of Dec 2025, higher than typical levels, attributed to seasonal agri cash flow lags. Management expects normalization to sub-5% by Mar 2026.
CAPITALSFB / Q3-FY26 / risks
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Capital Small Finance Bank · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
medium
Competitive pressure on deposit pricing
Intense competition for deposits may limit the pace of cost of deposit reduction, impacting NIM recovery.
Agriculture book NPA uptick
Gross NPA on agriculture book rose to 4.7% due to slower growth and seasonal factors; management remains confident on recoverability.