Capital Small Finance

Capital Small Finance Bank delivered a steady Q4 FY26 with PAT of 40 crCurrent reported value: 40 cr. No comparable prior figure is available in the source record. (+17Current reported value: 17. No comparable prior figure is available in the source record.% YoY) and NIM improving to 4.06%Current reported value: 4.06%. No comparable prior figure is available in the source record. (+5bps QoQ). Advances grew 20.9% YoYCurrent reported value: 20.9% YoY. No comparable prior figure is available in the source record. to ₹8,687 crCurrent ₹8,687 cr. Reported change: +20.9% YoY., driven by MSME (+46% YoY) and LAP segments, while deposits crossed ₹10,000 crCurrent reported value: ₹10,000 cr. No comparable prior figure is available in the source record. (+20% YoY). Asset quality remained stable with GNPA at 2.54% and NNPA at 1.24%. Management guided for 22%+ loan growth in FY27, NIM expansion from deposit repricing (53% of term deposits due for repricing in H1), and ROA of 1.35-1.4% for FY27. Key risk: agriculture NPA stickiness (2.76%) could persist if monsoon disappoints, though management cites strong collateral and diversified cropping.