Excellent results shown by Capital Small Finance Bank in first half of 2021
30 Dec, 2020
30 Dec, 2020
Capital Small Finance Bank has come up with an excellent 6M results for FY21 amid business problem faced by many in the economy due to COVID-19.
A) Results Update
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| Particulars (Crores) | Half Year Ended 30.09.2020 | Half Year Ended 30.09.2019 |
| Intest/disc. on advances/ bills | 183.00 | 153.00 |
| Income on investments | 41.00 | 35.00 |
| Interest on balances with Reserve Bank of India and other inter-bank funds | 24.00 | 25.00 |
| Other Income | 18.00 | 21.00 |
| Total Income | 266.00 | 234.00 |
| Interest Cost | 154.00 | 135.00 |
| Operating Expenses | 82.00 | 76.00 |
| Other Expense | 40.00 | 37.00 |
| Total Expenditure | 237.00 | 211.00 |
| Net-Profit | 15.00 | 12.00 |
| Equity Shares | 3.39 | 3.01 |
| Reserves | 389.00 | 272.00 |
| Book Value | 115.63 | 91.36 |
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- The Capital Small Finance Bank has shown 13% increase in its revenue in the first 6M of FY21 as compared to last year in the same period.
- Capital Small Finance Bank has clocked the PAT of 15 Crores in the first 6M of FY21 as compared to 12 Crores last year.
- Capital Small Finance Bank has book value of 115 as on 30.09.2020.
| Particulars (Crores) | 30.09.2020 | 30.09.2019 |
| Analytical Ratios | ||
| Capital Adequacy Ratio | 19.16% | 17.57% |
| EPS | 4.49 | 4.43 |
| Gross NPA | 56.00 | 55.00 |
| Net. NPA | 35.00 | 40.00 |
| % Gross NPA | 1.65% | 1.85% |
| % of Net NPAs | 1.02% | 1.35% |
| Return on Assets (Annualized) | 0.55% | 0.57% |
| Books Size (Cr) | ||
| Deposits | 4,799.00 | 4,106.00 |
| Advances | 3,438.00 | 3,041.00 |
| Branch Network | ||
| Rural | 64 | 63 |
| Semi Urban | 47 | 46 |
| Urban | 30 | 29 |
| Metro Politan | 11 | 12 |
| Total | 152 | 150 |
- Capital Small Finance has loan book of 3438 Crores as on 30.09.2020 up by 400 Crores as compared to last year same period.
- Gross NPA and Net NPA has gone down in the first 6M of FY21. which is positive sign.
- They have opened two new branches in the last 6 months.
