Financial Results - Capital Small Finance Bank

Rupees in Lacs

Particulars	Half Year Ended 31.03.2021 Audited	Half Year Ended 31.03.2020 Audited	Year Ended 31.03.2021 Audited	Year Ended 31.03.2020 Audited
1. Interest earned (a)+(b)+(c)+(d)	26,141.35	24,275.09	51,143.88	45,813.48
(a) Interest/disc. on advances/ bills	18,861.06	17,679.93	37,243.12	33,065.94
(b) Income on Investments	4,293.47	3,736.62	8,468.10	7,290.51
(c) Interest on balances with Reserve Bank of India and other inter bank funds	2,986.82	2,858.24	5,432.66	5,456.73
(d) Others	-	0.30	-	0.30
2. Other Income	2,757.78	2,173.48	4,585.78	4,295.50
3. Total Income (1+2)	28,899.13	26,448.57	55,729.66	50,108.98
4. Interest Expended	15,825.15	15,021.35	31,282.78	28,551.20
5. Operating Expenses (i)+(ii)	9,044.18	8,702.32	17,295.89	16,333.31
(i) Employees cost	4,805.85	4,625.35	9,043.05	8,464.20
(ii) Other operating expenses	4,238.33	4,076.97	8,252.84	7,869.11
- Rent,taxes and lighting	1,267.24	1,234.57	2,586.49	2,496.50
- Others	2,971.09	2,842.40	5,666.35	5,372.61
6. Total Expenditure ((4+5) excluding provisions and contingencies)	24,869.33	23,723.67	48,578.67	44,884.51
7. OPERATING PROFIT (3-6) (Profit before Provisions and Contingencies)	4,029.80	2,724.90	7,150.99	5,224.47
8. Provisions (other than tax) and Contingencies	647.24	1,040.81	1,777.31	1,766.25
9. Exceptional items	-	-	-	-
10. Profit (+)/ Loss (-) from Ordinary Activities before tax (7-8-9)	3,382.56	1,684.09	5,373.68	3,458.22
11. Tax Expense	824.48	444.80	1,295.25	920.01
12. Net Profit(+)/Loss(-) from Ordinary Activities after tax (10-11)	2,558.08	1,239.29	4,078.43	2,538.21
13. Extraordinary items (net of tax expense)	-	-	-	-
14. Net Profit (+)/ Loss (-) for the period (12-13)	2,558.08	1,239.29	4,078.43	2,538.21
15. Paid-up equity share capital (Face Value of Rs 10/- each)	3,391.07	3,380.72	3,391.07	3,380.72
16. Reserves excluding Revaluation Reserves	41,687.97	37,297.29	41,687.97	37,297.29
17. Analytical Ratios
(i)Percentage of shares held by Government of India	Nil	Nil	Nil	Nil
(ii) Capital Adequacy Ratio	19.80%	19.11%	19.80%	19.11%
(iii) Earnings Per share (EPS) (in Rs.)
(a) Basic EPS before & after extraordinary items(net of tax expense)	15.09	7.57	12.04	8.18
(b) Diluted EPS before & after extraordinary items(net of tax expense)	15.01	7.55	11.98	8.16
(iv) NPA Ratios
(a) Amount of Gross Non Performing Assets	7,824.33	5,850.69	7,824.33	5,850.69
(b) Amount of Net Non Performing Assets	4,214.21	4,124.98	4,214.21	4,124.98
(c) % of Gross NPAs to gross Advances	2.08%	1.76%	2.08%	1.76%
(d) % of Net NPAs to Net Advances	1.13%	1.25%	1.13%	1.25%
(v) Return on Assets (annualized)	0.84%	0.48%	0.70%	0.52%
18. Working
Advances	3,76,298.72	3,32,556.56	3,76,298.72	3,32,556.56
Deposits	5,22,107.00	4,44,662.33	5,22,107.00	4,44,662.33
Total Working	8,98,405.72	7,77,218.89	8,98,405.72	7,77,218.89
Net Worth	44,702.64	40,283.18	44,702.64	40,283.18
19. Branches	158	150	158	150
Rural	69	63	69	63
Semi Urban	48	46	48	46
Urban	30	29	30	29
Metro Politan	11	12	11	12

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Audited Financial Results (Year Ended 31 March 2021)