Suryoday Small Finance Bank Limited — PPTs, 23-01-2025: Investor Presentation

**Investor Presentation Summary for Suryoday Small Finance Bank:**

**Financial Highlights:** For 9M FY25, Suryoday reported gross advances of ₹9,563 Cr, reflecting a year-on-year increase of 25.8%. Disbursements totaled ₹4,888 Cr, up 6.7% YoY, with net interest income at ₹861.5 Cr, a 24.6% improvement from the previous year. The bank's GNPA and NNPA ratios stand at 5.5% and 3.1%, respectively, with a provision coverage ratio (PCR) of 44.7%. The cost-to-income ratio increased to 76.8%, but retail deposits saw substantial growth, rising to ₹9,708 Cr (+49.7% YoY).

**Strategic Initiatives and Growth Drivers:** Suryoday is shifting its focus from micro-lending to a micro-banking model. The bank aims to increase its customer base to 3.5 Mn by 2025. It is also diversifying its product offerings with a strong emphasis on secured loans and digital banking channels, improving the overall customer experience.

**Business Developments:** The branch network has expanded to 708 outlets, with plans to deepen market penetration, particularly in Tamil Nadu and Navi Mumbai. The bank launched the Double Joy Deposits product, enhancing customer offerings.

**Market Position and Competitive Advantage:** Suryoday positions itself to serve the aspiring middle-class population in India, targeting underbanked segments and providing comprehensive banking solutions. Its extensive branch network and a robust digital infrastructure support its growth strategy.

**Investor Implications:** The positive growth trajectory in deposits and advances signals potential value creation for investors, particularly with the forecasted continued growth in the secured loan segment and digital transformation initiatives.