The Bank’s gross advances stood at Rs 7,184 crores, reflecting a Y-o-Y growth of 16.7% and Q-o-Q growth of 5.4%.
FinTech BizNews Service
Mumbai, April 3, 2025: Capital Small Finance Bank (CSFB) has come out with its Key Business Highlights for the quarter and year ended March 31, 2025. The same has been notified on the exchanges as well.
Capital SFB | Key Business Highlights for the quarter and year ended March 31, 2025:
· Loan Portfolio:
o As of March 31, 2025, the Bank’s gross advances stood at Rs 7,184 crores, reflecting a Y-o-Y growth of 16.7% and Q-o-Q growth of 5.4%.
o The loan disbursements for the year ended March 31, 2025 shown a growth of 37.6% Y-o-Y basis and stood at Rs2,846 crores against Rs2,068 crores during the previous year.
o The loan portfolio growth continued to target secured & diversified portfolio, with 99.8% of the loan book being secured.
· Asset Quality: The asset quality remained robust, with Gross NPAs reduced to 2.58% as of March 31, 2025 against 2.76% as of March 31, 2024 with ~Zero write offs.
· Deposits:
o The total deposits of the Bank aggregated to Rs8,323 crores registering a Y-o-Y growth of 11.3%.
o The Bank continued to maintain high CASA 37% as of March 31, 2025, against 38.3% as of March 31, 2024
Management Commentary
Loan Portfolio: As of March 31, 2025, the Bank’s gross advances stood at Rs7,184 crores, reflecting a Y-o-Y growth of 16.7% and Q-o-Q growth of 5.4%. The loan disbursements for the year ended March 31, 2025 shown a growth of 37.6% Y-o-Y basis and stood at Rs2,846 crores against Rs2,068 crores during the previous year. The loan portfolio growth continued to target secured & diversified portfolio, with 99.8% of the loan book being secured. The period was marked by high interest rates, tighter monetary policy, and elevated asset quality concerns in certain segments. In this environment, the Bank witnessed healthy loan growth with improved asset quality. Asset Quality: The asset quality remained robust, with Gross NPAs reduced to 2.58% as of March 31, 2025 against 2.76% as of March 31, 2024 with ~Zero write offs. Deposits: The total deposits of the Bank aggregated to Rs8,323 crores registering a Y-o-Y growth of 11.3%. The Bank continued to maintain high CASA ~37% as of March 31, 2025, against 38.3% as of March 31, 2024. Despite industry-wide pressure on CASA due to the shift towards higher-yielding term deposits, the Bank’s strong CASA share reflects its robust retail liability franchise. Owing to lower CD ratio and high liquidity ratios, the Bank continued with calibrated deposit growth. Loan to Deposit Ratio: The average^ CD ratio of the Bank for the quarter ended March 31, 2025 stood at 82.6% against 78.3% for the quarter ended March 31, 2024 and 81.1% for the quarter ended December 31, 2024. Liquidity: The average^ Liquidity Coverage Ratio (LCR) for the quarter ended March 31, 2025 stood at 247.6% against 263.9% for the quarter ended March 31, 2024 and 239.2% for the quarter ended December 31, 2024. ^ average is calculated basis daily outstanding balances The information with reference to quarter and year ended March 31, 2025 is provisional.
