CAPITALSFB Q4 FY26 Guidance vs Delivery (CAPITALSFB Management Mirror)

Margins & Profitability

Management expects the cost-to-income ratio to remain range-bound between 53% and 56% as of the Mar'26 Qtr, while maintaining the long-term Vision 2029 targets established in the Sep'25 and Dec'25 Qtrs to achieve a Return on Assets (RoA) of 1.6%+ and a Return on Equity (RoE) of 15.0%+ by Mar'29. The bank anticipates continued Net Interest Margin (NIM) expansion driven by an improving credit-to-deposit ratio and eventual declines in deposit costs, though the Mar'26 Qtr noted that deposit repricing will continue through the upcoming first and second quarters. [Status: Reaffirmed]