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Get info on Capital Small Finance Bank Unlisted shares before buying, selling and investing - Read our Research report on Capital Small Finance Bank Pre IPO. Information like - Revenue Growth, Net Profit Growth, Profit After Tax Margin & all Profitability Ratio.
Growth in %
Revenue of the company is continuously increasing from last 10 years and has seen a growth of 28.9% in FY22. The main focus of the company is on providing products and services to middle-income segment customers, their target-centric business makes them grow faster. As of March'22, bank had 161 branches and 161 ATMs with 74% branches located in rural and semi-urban areas.
In fact the bank has a strong deposit franchise with lowest cost of funds as of FY22 which make them grow faster. As of June'22, total loan book was 4,688.7 crores which comprised primarily of agriculture loans constituting 25.12%, MSME and trading loans constituting 12.29% and mortgage loans constituting 39.38%. Whereas 99.7% of bank's loan book was secured. Further, bank strategically focused on building a granular loan book. The bank also generate fee income from products and services such as forex and money transfer, remittances, safe -deposit lockers and others which has grown at a CAGR of 21.0%..
Growth in %
The CSFBs profitability and operational metrics have been on the rise as depicted from their upward trend. Since its conversion into an SFB, they have invested a lot in expanding branch network which has in turn enabled them to grow its loan book. Till then they have opened 113 branches.
The company is performing well in all segments of operations and is currently planning to enter into partnership with business correspondents in the states in which they do not have a strong presence for credit sourcing.
Also they have effectively leveraged their technological capabilities to increase the scale of digital interactions and digital transactions with customers. It helped them to effect a wider outreach to customers which resulted in 5.97Mn digital
transactions during FY22.
Growth in %
Every year EPS of the company is increasing at a higher rate, due to an increase in its interest income from advances and other bills. This year it has increased by around 53% as the company didn't create any provision for taxes, which reduced their expenses.
Growth in %
Book value of the company has increased due to an increase in reserves and surplus. The company has transferred a good amount of their earnings to reserves for future growth. Also in these unpredictable times, reserves will provide security for the company's growth and development.
Growth in %
Growth in %
The operating profit of the company is showing an upward trend. The major reason for the 16.4% rise in operating profit in FY22 is less percentage increase in the company's provision for loan losses and other expenses in comparison to their earnings.
This shows great management of operations by the company even in hard times like covid pandemic. In the past, the company has gone through some other crisis as well hence they have made its operations flexible to those changes, and this gives them a major advantage over its peers.
Growth in %
Total assets of the company has risen, the major change was done by cash, as due to pandemic company had to maintain good amount of liquidity, this led to increment in current assets of the company, while the loan book of the company is also increasing at an optimum rate. For example in FY22, for mortgage section, company's loan book increased by 24.4%. On the other hand fixed assets of the company has decreased as the bank write off, some of its tangible assets
Growth in %
Capital Small Finance Bank Capital Adequacy Ratio(CAR)
Capital Small Finance Bank's CAR is optimum as per RBI standards. NBFCs have to maintain a minimum CAR of 15% and the company is continuously maintaining it higher then standard set by RBI. This shows the company has enough capital on reserve to handle a certain amount of losses, and uncertain times like covid pandemic.
Capital Small Finance Bank Return on Risk Weighted Assets(RORWA)
The banks RORWA is continuously improving from past 2 years. This shows the bank is able to provide enough returns even on its risk weighted assets.
Capital Small Finance Bank Gross NPA
The bank's gross NPA was 2.45% as on March 31, 2022, which is the lowest amongst the other small finance banks for Fiscal 2022. Even during the period bank's collection efficiency was 99.19% as which is nearing the pre-COVID levels. The Bank is maintaining a healthy loan loss provision of 68.48% as on March 31, 2022.
Capital Small Finance Bank CASA
As of March 31, 2022, the bank had the second highest proportion of CASA deposits at 42.2% resulting in one of the lowest costs of funds among the SFBs for FY22. The company's proportion of retail deposits at 97.8% is the highest vis a vis other SFBs and retail deposits have advantages including stability in deposit, greater customer retention, enhanced cross-selling opportunities in addition to supporting the low cost of funds, this can give the company a significant advantage over its peers.
In FY22, the cost of funds was reduced by 66 basis points to 5.02% in FY22. Further, the top 20 depositors account for only 4.73% of total
deposits, which specifies the company has a diverse portfolio.
Capital Small Finance Bank Net NPA
The bank's dedicated customer relationship team maintains healthy engagement with customers on an ongoing basis which has resulted in effective collection recoveries and consequently better asset quality. All of these measures have resulted in improving asset quality and lowering the NPA.
The silent feature is the result of robust credit assessment processes and risk management practices adopted by the Bank based on a strong understanding of the target customer base as well as previous experience of several business cycles over the past two decades of banking. As of FY22 bank's net NPA ratio was 1.36% which is one of the lowest amongst the other small finance banks.
The company is maintaining very low debt to equity in comparison to its peers, which makes it safer.
During FY22, there is a rise of 13.4% in cash of the bank due to the economic slowdown and some norms set by RBI, on the basis of which the company had to increase its liquid assets, to keep the deposits of the individuals safe, and to avoid insolvency situation.
The bank's margin ratios have improved this year. It had been experiencing degrowth over the past two years due to a steady increase in expenses combined with an increase in interest revenue. Due to the significant likelihood of defaults during the pandemic, the corporation upped its loss provisions even in FY20. However, in comparison to its expenses, they have managed to earn more interest this year.
In FY22 the bank has seen an increase in ROE, as this year the profit of the company has increased by 53.4%. The main reason for this increase was a rise in secured loans provided by the company, which led the company to earn high interest.
The company's ROA has grown, indicating that it has provided stronger returns on its assets. The company's total assets increased in FY22 due to an increase in cash and cash equivalents, which was primarily attributable to enhanced liquidity and an increase in the cash margin required by the RBI. It also reported a 24.6% increase in its loan book.
Capital Small Finance Bank Dividend Yield
Capital Small Finance Bank Tier 1 Capital Ratio
Capital Small Finance Bank Tier 2 Capital Ratio
Capital Small Finance Bank Tangibe Book Value
Tangible book determines the potential value of a company in the event that it must liquidate its assets and in case of CSFB, they don't have intangible assets, and major portion of their assets can be liquidated.
Capital Small Finance Bank AUM
CSFB also offers deposit services, and its AUM has been steadily increasing over the previous five years. This demonstrates that the company is effectively managing its assets. Even in FY22, they saw a 24.6% increase in AUM, which was impressive given the economic downturn and investor concern.
Capital Small Finance Bank AUM Growth