Un-Audited Financial Results - Capital Small Finance Bank

Rupees in Lacs

Particulars	Quarter ended December 31, 2021 (3 Months) Reviewed	Quarter ended December 31, 2020 (3 Months) Unaudited	Year to date figures for current period ended December 31, 2021 (9 Months) Reviewed	Year to date figures for current period ended December 31, 2020 (9 Months) Unaudited	Year ended March 31, 2020 (12 Months) Audited
Interest Earned	14,690	12,955	42,495	37,957	51,144
Interest/discount earned on advances/bills	11,140	9,313	31,921	27,695	37,243
Interest earned on Investments	2,131	2,152	6,309	6,327	8,468
Interest on balances with Reserve Bank of India and other Inter Bank Funds	1,419	1,490	4,265	3,935	5,433
Others	-	-	-	-	-
Other Income	1,152	1,242	3,862	3,070	4,583
Total Income	15,842	14,197	46,357	41,027	55,727
Interest Expended	8,195	7,961	24,094	23,419	31,283
Operating Expenses	4,829	4,417	14,272	12,668	17,296
Total Expenditure	13,024	12,378	38,366	36,087	48,579
Operating Profits before Provisions and Contingencies	2,818	1,819	7,991	4,940	7,148
Provisions and Contingencies (other than taxes)	621	248	2,230	1,378	1,775
Exceptional Items			-	-	-
Profits before Taxes	2,197	1,571	5,761	3,562	5,373
Income Tax	532	390	1,389	861	1,295
Net Profit for the Period / Year	1,665	1,181	4,372	2,701	4,078
Profit brought forward	15,064	11,397	12,629	9,877	9,878
Total	16,729	12,578	17,001	12,578	13,956
Appropriations
Transfer to Statutory Reserve	-	-	-	-	1,020
Transfer to Special Reserve	-	-	-	-	69
Transfer to/(from) Investment Reserve Account	-	-	-	-	(1)
Transfer to Investment Fluctuation Reserve	-	-	-	-	239
Dividend	-	-	272	-	-
Balance carried over to Balance sheet	16,729	12,578	16,729	12,578	12,629
Total	16,729	12,578	17,001	12,578	13,956
Analytical Ratios
Capital Adequacy Ratio (%)	19.98%	20.71%	19.98%	20.71%	19.80%
Basic EPS (₹) (Non-annualised) for Quarter / Half Year / Year	4.90	3.49	12.87	7.98	12.04
Diluted EPS (₹) (Non-annualised) for Quarter / Half Year / Year	4.85	3.47	12.77	7.95	11.98
Face Value (₹)	10.00	10.00	10.00	10.00	10.00
Net Worth¹	49,514	43,592	49,514	43,592	45,079
Debt Equity Ratio²	1.05	0.92	1.05	0.92	1.37
Total Debt to Total Assets³	7.24%	6.40%	7.24%	6.40%	9.68%
Return on Assets⁴	0.96%	0.77%	0.88%	0.63%	0.70%
NPA Ratios
Gross NPA	10,072	5,477	10,072	5,477	7,824
Net NPA	5,220	3,235	5,220	3,235	4,214
% of Gross NPA	2.41%	1.54%	2.41%	1.54%	2.08%
% of Net NPA	1.26%	0.91%	1.26%	0.91%	1.13%

¹ Net worth means the aggregate value of the paid-up share capital and all reserves created out of the profits and securities premium account and debit or credit balance of profit and loss account, after deducting the aggregate value of the accumulated losses, deferred expenditure and miscellaneous expenditure not written off, as per the balance sheet, but does not include reserves created out of revaluation of assets, write-back of depreciation and amalgamation.

² Debt Equity Ratio means ratio of total borrowings to share capital plus reserves.

³ Total Debts to Total Assets means ratio of total borrowings to total assets.

⁴ Return on Assets means ratio of profit after tax to average total assets.

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Un-Audited Financial Results (Quarter & Nine Months Ended 31 December 2021)