Reviewed Financial Results - Capital Small Finance Bank

Rupees in Crores

Particulars	Half Year Ended 30.09.2019 (Reviewed)	Half Year Ended 30.09.2018 (Reviewed)	Year Ended 31.03.2019 (Audited)	Year Ended 31.03.2018 (Audited)
A. Break-up of Income and Expenditure
1. Interest earned (a)+(b)+(c)+(d)	215.38	160.53	346.29	271.00
(a) Interest/disc. on advances/ bills	153.86	109.54	241.68	178.36
(b) Income on investments	35.54	32.23	64.34	64.93
(c) Interest on balances with Reserve Bank of India and other inter-bank funds	25.98	18.76	40.27	27.61
(d) Others	-	-	0.00	0.11
2. Other Income	21.22	13.56	31.31	22.86
3. Total Income (1+2)	236.60	174.09	377.60	293.87
4. Interest Expended	135.30	98.35	211.15	166.49
5. Operating Expenses (i)+(ii)	76.31	59.81	132.17	94.69
(i) Employees cost	38.39	28.44	65.28	45.93
(ii) Other operating expenses	37.92	31.37	66.89	48.76
- Rent, Taxes and Lighting	12.62	10.01	21.53	13.94
- Others	25.30	21.36	45.35	34.82
6. Total Expenditure ((4+5) excluding provisions and contingencies)	211.61	158.15	343.32	261.18
7. Operating Profit (3-6) (Profit before provisions and contingencies)	24.99	15.94	34.28	32.69
8. Provisions (other than tax) and Contingencies	7.25	8.39	7.35	2.98
9. Exceptional items	-	-	-	-
10. Profit (+)/ Loss (-) from Ordinary Activities before tax (7-8-9)	17.74	7.55	26.92	29.71
11. Tax Expense	4.75	1.93	7.51	10.69
12. Net Profit(+)/ Loss(-) from Ordinary Activities after Tax (10-11)	12.99	5.62	19.41	19.02
13. Extraordinary items (net of tax expense)	-	-	-	-
14. Net Profit (+)/Loss (-) for the period (12-13)	12.99	5.62	19.41	19.02
15. Paid-up equity share capital (Face Value 0f Rs10/- each)	30.09	28.48	28.48	28.48
16. Reserves excluding Revaluation Reserves	272.30	207.57	221.84	205.10
17. Analytical Ratios
(i) Percentage of shares held by Goverment of India	Nil	Nil	Nil	Nil
(ii) Capital Adequacy Ratio	17.57 %	17.69 %	17.47 %	19.66 %
(iii) Earnings Per Share (EPS) (in Rs)
(a) Basic EPS before & after extraordinary items(net of tax expense)-not annualized	4.43	1.97	6.82	6.86
(b) Diluted EPS before & after extraordinary items(net of tax expense)-not annualized	4.42	1.97	6.82	6.86
(iv) NPA Ratios
(a) Amount of Gross Non Performing Assets	56.18	32.70	33.96	21.13
(b) Amount of Net Non Performing Assets	40.72	24.20	24.22	15.43
(c) % of Gross NPAs to Gross Advances	1.85 %	1.47 %	1.30 %	1.14 %
(d) % of Net NPAs to Net Advances	1.35 %	1.09 %	0.93 %	0.84 %
(v) Return on Assets (Annualized)	0.57 %	0.32 %	0.51 %	0.64 %
B. Working
Deposits	4,107.00	3,231.44	3,667.26	1,852.99
Advances	3,041.78	2,227.31	2,608.78	2,850.52
Total Working	7,148.78	5,458.75	6,276.04	4,703.51
Net Worth	299.90	234.76	248.47	232.73
C. Branch Network
Rural	63	50	58	50
Semi Urban	46	38	42	33
Urban	29	20	20	12
Metro Politan	12	8	9	6
Total	150	116	129	101

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Un-Audited Financial Results (Half Year Ended 30 September 2019)