Capital Small Finance Bank Limited has announced an earnings conference call to discuss its financial and operational performance for Q4 & FY26. The bank issued this notification under Regulation 30 of the SEBI (Listing Obligations & Disclosure Requirements) Regulations, 2015.

Conference Call Details

The earnings conference call is scheduled for Wednesday, April 29, 2026 at 04:00 PM IST. The bank will host analysts and investors to discuss the financial and operational performance with senior management participation.

International Access Numbers

The bank has provided toll-free access numbers for international participants across multiple regions:

Senior Management Participation

The conference call will feature key members of the bank's senior management team:

• Mr. Sarvjit Singh Samra – Managing Director & CEO
• Mr. Munish Jain – Executive Director
• Mr. Aseem Mahajan – Chief Financial Officer
• Mr. Raghav Aggarwal – Chief Branch Credit Officer
• Mr. Sahil Vijay – Chief Treasury Officer & Investor Relations Lead
• Ms. Bharti Babutta – Investor Relations Team

Registration and Contact Information

Participants are requested to pre-register for the call through the Diamond Pass registration link provided by the bank. For additional queries, investors can contact Abhishek Shah at +91 9930651660 or Neha Shroff at +91 7738073466 from Strategic Growth Advisors Pvt. Ltd.

The notification was signed by Amit Sharma, Company Secretary & Compliance Officer (Membership No. F10888), and communicated to both BSE Limited and National Stock Exchange of India Limited on April 03, 2026.

Capital Small Finance Bank Limited has announced strong business highlights for the quarter and year ended March 31, 2026, demonstrating robust growth across key financial metrics. The bank's performance reflects sustained momentum in loan book expansion and improved asset quality, reinforcing its position in the small finance banking sector.

Financial Performance Overview

The bank's financial metrics for Q4FY26 showcase strong performance across all major parameters:

Loan Portfolio Growth

Capital Small Finance Bank closed FY2026 on a strong note, with gross advances reaching ₹8,687 crores as of March 31, 2026. This performance reflects robust year-on-year growth of 20.90% and quarter-on-quarter growth of 6.40%, underscoring sustained momentum in loan book expansion. Disbursements during the quarter increased significantly to ₹919 crores, compared to ₹765 crores in Q4FY25, reflecting growth of 20.10%.

The loan book remains well-diversified, with approximately 98% being secured, consistent with the bank's prudent, retail-focused lending philosophy. This approach demonstrates the institution's commitment to maintaining asset quality while pursuing growth opportunities.

Asset Quality Improvement

Asset quality strengthened meaningfully during the quarter, with gross NPAs at 2.54% as of March 31, 2026, compared to 2.68% in Q3FY26 and 2.58% in Q4FY25. The improvement reflects the bank's disciplined underwriting standards, proactive recovery mechanisms, and the inherent resilience of its well-secured, granular, and diversified loan portfolio.

Deposit Franchise Expansion

Total deposits crossed the ₹10,000 crores milestone, standing at ₹10,018 crores as of March 31, 2026, representing year-on-year growth of 20.40%. This achievement underscores the bank's growing deposit franchise and customer confidence. The CASA ratio remains healthy at 34.70% as of March 31, 2026, compared to 35.90% as of December 31, 2025.

The bank continues to emphasize expanding its retail customer base and deepening engagement across its branch network, building a stable, diversified and cost-efficient liability franchise to support long-term growth.

Liquidity and Capital Position

The average credit-to-deposit ratio for the quarter ended March 31, 2026 stood at 82.30%, compared to 80.40% for the quarter ended December 31, 2025. The bank's liquidity position remains comfortable, supported by a well-capitalised balance sheet that provides adequate headroom to sustain and accelerate growth going forward.

The information presented is provisional and subject to audit by the statutory auditors and approval from the Audit Committee and Board of Directors. These business highlights demonstrate Capital Small Finance Bank's continued progress in building a robust and sustainable banking franchise.