Our Bank was incorporated as `Capital Local Area Bank Limited' on May 31, 1999 at Phagwara district Kapurthala, Punjab, as a public limited company under the Companies Act, 1956, and was granted a certificate of incorporation by the Registrar of Companies, Punjab, Himachal Pradesh and Chandigarh. The name of our Bank was subsequently changed to `Capital Small Finance Bank Limited' pursuant to a shareholders' resolution dated April 2, 2016, to reflect the change in status of our Bank from a local area bank to a small finance bank pursuant to Reserve Bank of India approval dated March 4, 2016, and a fresh certificate of incorporation was granted by the RoC on April 15, 2016. Our Bank commenced its business pursuant to a certificate of commencement of business issued by the Registrar of Companies, Punjab, Himachal Pradesh and Chandigarh dated August 12, 1999.Major events and milestones:1999Incorporation of the Bank and started operations as a local area bank in Jalandhar, Kapurthala and Hoshiarpur as a localarea bank2011Total business of our Bank crossed ? 10,000 million2013The Bank expanded operations in two additional districts of Ludhiana and Amritsar which expanded the outreach of the Bank to five districts2016-Launched operations as a small finance bank;-Total business of our Bank crossed ? 25,000 million2017Investment of ? 646.65 million raised through private placement2018The total number of branches of our Bank crossed 1002019Total business of our Bank crossed ? 60,000 million2021-The total number of customers of our Bank reached 0.6 million-Total business of our Bank crossed ? 89,500 million2022Share of digital transactions in non-cash transactions increased to 71 23-Net profit of our Bank crossed ? 935.96 million registering a growth of 50% over the previous Financial Year;-Total business of our Bank crossed ? 120,000 million