(i) Capital Small Finance Bank Limited, India's 1^st Small Finance Bank, started operations on April 24, 2016. It was called " Capital Local Area Bank", the largest Local Area Bank in the country, before conversion to 'Small Finance Bank' has been into operations for the last 16 years with excellent performance in all spheres.

(ii) The Bank pioneered in bringing modern banking facilities to the rural areas at a low cost. From day one 7-Day Branch Banking was introduced with extended banking hours. The focus to serve the common man and the local touch advantages has given the Bank a competitive edge over other banks operating in the region. Within a short period, most of the Branches become market leaders of their respective centers. The Bank is providing a safe, efficient, and service-oriented repository of savings to the local community while reducing their dependence on moneylenders by making need-based credit easily available.

(iii) The Bank transitioned from a Local Area Bank to Small Finance Bank with 47 Branches. In a short span of two years, 78 new Branches have become operational, taking the total number of Branches to 125. After establishing a strong footprint in the state of Punjab, the Bank has now started expansion to the states of Delhi and Haryana. By March 31, 2021, the number of Branches will grow to 250.

(iv) Capital Small Finance Bank has been granted Scheduled Status by the Reserve Bank of India vide Notification dated February 16, 2017.

(v) The total business of the Bank at present has crossed Rs. 5,860 crores with more than 5,80,000 accounts. The Bank has 80% of its business in rural and semi-urban areas, with Priority Sector Lending of 99.30% of the Adjusted Net Bank Credit as of March 31, 2018.

(vi) The Bank is extending loans primarily to small borrowers and 52.48% of the total advances are up to the ticket size of Rs. 25 lacs as on March 31, 2018.

(vii) Total Branches growth

The Company has been awarded the best company to work in the year 2015, 2016 2017, and 2018:



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(i) Excellent quality of assets supported by secured lending

Capital Small Finance Bank primarily focuses on providing kisan credit cards to mid-sized agriculturalists, as well as other retail asset loans such as MSME loans and housing loans (HL) to borrowers. As on 31.12.2022, the Gross NPA of the Bank stands at 2.96%.

(ii) Low Cost of Funding Out of total deposit of Rs.6700 Crores , 44% is coming from CASA and the remaining 56% is coming from term deposits. The CASA of 44% is highest among the Small Finance Bank in India. Due to high share of CASA, cost of funds for the bank was 5.22% as on March 31, 2022, which is one of the lowest among the SFB peers. It further reduced to 5.04% for the nine months ended December 31, 2022.

(iii) Net-Interest Margins Due to the low cost of funding, the bank's net interest margin (NIM) grew somewhat from 3.39% in FY21 to 3.77% in FY22. According to the bank's cost-saving measures, the operating expenses/average assets ratio remained constant at 2.9%.

(iv) Weakness in Capital Small Finance Bank Unlisted Shares As of March 31, 2022, the bank had 161 branches located throughout 35 districts, 3 states, and 2 union territories of the nation, namely Punjab, Haryana, Rajasthan, Delhi, and Chandigarh. As of March 31, 2022, Punjab alone accounted for around 86% of the total loan portfolio, indicating geographical concentration. Note: Check the Latest Capital Small Finance Bank Unlisted Shares Price at UnlisteZone Android or iOS Mobile App.

1. Business Analysis: The company has shown a consistent increase in its business operations from FY16 to FY23. The deposits have grown from 1,814 crores in FY16 to 6,561 crores in FY23. Similarly, advances have increased from 1,148 crores in FY16 to 5,507 crores in FY23. The total business and net worth have also shown a similar upward trend. This indicates a strong growth trajectory and an expanding customer base.

2. Profitability Analysis: The company's profitability has also improved over the years. The total income has increased from 202 crores in FY16 to 725 crores in FY23. The operating profit and net profit have also shown a similar upward trend. This indicates that the company is not only increasing its revenue but is also able to effectively control its costs to improve its profits.

3. Ratio Analysis: The EPS (Earnings Per Share) has increased from 6.7 in FY16 to 27.21 in FY23, indicating that the company's profitability on a per-share basis has improved significantly. The Book Value has also increased, indicating an increase in the company's assets. The CAR (Capital Adequacy Ratio) has fluctuated over the years but has remained within a healthy range, indicating that the company has sufficient capital to meet its financial risks. The Gross NPAs and Net NPAs have decreased over the years, indicating that the company has been able to effectively manage its credit risk and reduce its non-performing assets. In conclusion, the Capital Small Finance Bank has shown strong growth and profitability over the years, and has effectively managed its risks. The decreasing trend in NPAs indicates effective credit management, and the increasing trend in EPS and Book Value indicates growing profitability and asset accumulation.