Capital Small Finance Bank is notable for being the first small finance bank in India, established in April 2016, with its headquarters located in Jalandhar, Punjab. The bank originated as Capital Local Area Bank in 2000, primarily serving certain districts in Punjab before transitioning to a small finance bank after receiving approval from the Reserve Bank of India (RBI) in 2016
| P&L Statement | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Revenue | 511 | 578 | 676 | 794 |
| Cost of Material Consumed | - | - | - | - |
| Gross Margins | - | - | - | - |
| Change in Inventory | - | - | - | - |
| Employee Benefit Expenses | 106.56 | 117.98 | 124.58 | - |
| Other Expenses | 73.58 | 84.11 | 116.84 | 258 |
| EBITDA | - | - | - | - |
| OPM | - | - | - | - |
| Other Income | 46 | 54 | 50 | 67 |
| Finance Cost | 322.94 | 354.02 | 449.18 | - |
| D&A | 16.12 | 20.67 | 16.9 | - |
| EBIT | - | - | - | - |
| EBIT Margins | - | - | - | - |
| PBT | 54 | 84 | 124 | 148 |
| PBT Margins | - | - | - | - |
| Tax (2021) | 9.2 | 30.51 | - | - |
| PAT | 41 | 63 | 94 | 112 |
| NPM | - | - | - | - |
| EPS | ₹12.04 | ₹18.41 | ₹27.35 | ₹30.39 |
| Financial Ratios | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Operating Profit Margin | 5.46 | 6.52 | 6.52 | 5.46 |
| Net Profit Margin | 14.04 | 13.84 | 14.04 | 14.04 |
| Earning Per Share (Diluted) | ₹18.22 | ₹27.21 | ₹30.45 | ₹30.65 |
| Assets | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Fixed Assets | 87 | 84 | 83 | 84 |
| CWIP | 0 | 0 | 0 | 0 |
| Investments | 1,212 | 1,357 | 1,489 | 1,706 |
| Trade Receivables | - | - | - | - |
| Inventory | - | - | - | - |
| Other Assets | - | - | - | - |
| Total Assets | 6,371 | 7,154 | 7,991 | 9,295 |
| Liabilities | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Share Capital | 33.91 | 34.04 | 34.25 | 45.04 |
| FV | 416.88 | 481.74 | 576.36 | 1,152.38 |
| Reserves | 616.72 | 498.43 | 721.38 | 472.25 |
| Borrowings | - | - | - | - |
| Trade Payables | - | - | - | - |
| Other Liabilities | 82.66 | 93.35 | 98.16 | 147.87 |
| Total Liabilities | 6,371.24 | 7,153.92 | 7,990.77 | 9,295.28 |
| Cash-Flow Statement | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| PBT | 53.74 | 84.49 | 124.16 | 148.21 |
| OPBWC | - | - | - | - |
| Change in Receivables | - | - | - | - |
| Change in Inventories | - | - | - | - |
| Change in Payables | - | - | - | - |
| Other Changes | - | - | - | - |
| Working Capital Change | - | - | - | - |
| Cash Generated From Operations | 174.32 | -210.74 | 74.88 | 112.98 |
| Tax | - | - | - | - |
| Cash Flow From Operations | 174.32 | -210.74 | 74.88 | 112.98 |
| Purchase of PPE | -12.42 | -13.15 | -201.99 | -162.43 |
| Sale of PPE | - | - | - | - |
| Cash Flow From Investment | -12.42 | -13.15 | -201.99 | -162.43 |
| Borrowing | 196.81 | -119.7 | 221.52 | 222.58 |
| Divided | -42.42 | -34.23 | -424 | -541 |
| Equity | - | - | - | - |
| Others From Financing | - | - | - | - |
| Cash Flow from Financing | 154.39 | -153.93 | -202.48 | -318.85 |
| Net Cash Generated | 359 | -344 | 94 | 173 |
| Cash at the Start | 34.58 | 49.19 | 397.53 | 491.94 |
| Cash at the End | 393.58 | -294.81 | 491.94 | 665.07 |
| Shareholding Pattern | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Individuals | - | - | - | 48.1 |
| Corporated Listed | - | - | - | - |
| Corporated Unlisted | - | - | - | - |
| Financial Institutions/Banks | - | - | - | 13.8 |
| Insurance Companies | - | - | - | 5.85 |
| Venture Capital Fund/AIFs | - | - | - | 9.93 |
| Foreign Holding | - | - | - | 1.33 |
| Others | - | - | - | 31.73 |
