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Stock Report
Capital Small Finance Bank Ltd Q4 FY2024 net profit at Rs. 28.21 crores
Posted On : 2024-05-09 23:15:23( TIMEZONE : IST )
has reported Standalone financial results for the period ended March 31, 2024.
Financial Results (Q4 FY2024) - QoQ Comparison
The company has reported total income of Rs. 224.74 crores during the period ended March 31, 2024 as compared to Rs. 222.45 crores during the period ended December 31, 2023.
The company has posted net profit / (loss) of Rs. 28.21 crores for the period ended March 31, 2024 as against net profit / (loss) of Rs. 28.93 crores for the period ended December 31, 2023.
The company has reported EPS of Rs. 6.87 for the period ended March 31, 2024 as compared to Rs. 7.86 for the period ended December 31, 2023.
| Financials | Q4 FY2024 | Q3 FY2024 | % Change |
| Total Income | ₹ 224.74 crs | ₹222.45 crs |  1.03% |
| Net Profit | ₹28.21 crs | ₹28.93 crs |  -2.49% |
| EPS | ₹6.87 | ₹7.86 | -12.60% |
Financial Results (Q4 FY2024) - YoY Comparison
The company has reported total income of Rs. 224.74 crores during the period ended March 31, 2024 as compared to Rs.194.10 crores during the period ended March 31, 2023.
The company has posted net profit / (loss) of Rs.28.21 crores for the period ended March 31, 2024 as against net profit / (loss) of Rs.24.25 crores for the period ended March 31, 2023.
The company has reported EPS of Rs.6.87 for the period ended March 31, 2024 as compared to Rs.7.03 for the period ended March 31, 2023.
| Financials | Q4 FY2024 | Q4 FY2023 | % Change |
| Total Income | ₹ 224.74 crs | ₹194.10 crs | 15.79% |
| Net Profit | ₹28.21 crs | ₹24.25 crs | 16.33% |
| EPS | ₹6.87 | ₹7.03 | -2.28% |
Financial Results (Year Ended FY2024) - YoY Comparison
The company has reported total income of Rs.862.41 crores during the Financial Year ended March 31, 2024 as compared to Rs.725.48 crores during the Financial Year ended March 31, 2023.
The company has posted net profit / (loss) of Rs.111.53 crores for the Financial Year ended March 31, 2024 as against net profit / (loss) of Rs.93.60 crores for the Financial Year ended March 31, 2023.
The company has reported EPS of Rs.30.45 for the Financial Year ended March 31, 2024 as compared to Rs.27.21 for the Financial Year ended March 31, 2023.
| Financials | Year Ended FY2024 | Year Ended FY2023 | % Change |
| Total Income | ₹862.41 crs | ₹725.48 crs | 18.87% |
| Net Profit | ₹111.53 crs | ₹93.60 crs | 19.16% |
| EPS | ₹30.45 | ₹27.21 | 11.91% |
Asset Quality:
| Asset Quality | Q4 FY2024 | Q3 FY2024 | Q4 FY2023 |
| Gross NPA | ₹170.18 crs | ₹170.04 crs | ₹152.62 crs |
| Gross NPA % | 2.76% | 2.97% | 2.77% |
| Net NPA | ₹85.08 crs | ₹86.47 crs | ₹74.05 crs |
| Net NPA % | 1.40% | 1.53% | 1.36% |
Gross NPA was at ₹ 170.18 crs in Q4 FY2024 against ₹ 152.62 crs in Q4 FY2023. The same was at ₹ 170.04 crs in Q3 FY2024.
Net NPA was at ₹ 85.08 crs in Q4 FY2024 against ₹ 74.05 crs in Q4 FY2023. The same was at ₹ 86.47 crs in Q3 FY2024.
GNPA was at 2.76% of Gross advances as on March 31, 2024 as compared to 2.77% as on March 31, 2023 and 2.97% as of December 31, 2023.
Net NPA was at 1.40% of Gross advances as on March 31, 2024 as compared to 1.36% as on March 31, 2023 and 1.53% as of December 31, 2023.
| Ratios | Q4 FY2024 | Q3 FY2024 | Q4 FY2023 |
| RoA % | 0.31% | 0.33% | 0.30% | CAR (BASEL III) % | 27.39% | 20.06% | 18.87% |
Return on Average Assets (RoA) is at 0.31% for Q4 FY2024 against 0.33% in Q3 FY2024 and 0.30% in Q4 FY2023.
In Q4 FY2024, Bank's total Capital Adequacy Ratio (CAR) was at 27.39%, as compared to 20.06% in Q3 FY2024 and 18.87% in Q4 FY2023.
