Suryoday Small Finance Bank Limited — PPTs, 24-07-2025: Investor Presentation

Here is the financial summary:

**Financial Highlights:**

Gross Advances jumped 20% YoY to ₹10,846 Cr, with Deposits up 39% to ₹11,312 Cr. Disbursements grew 30%. Net Interest Income (NII) was ₹247.1 Cr (-15.7% YoY), but PAT rebounded QoQ to ₹35.3 Cr. NIM stood at 7.2%. GNPA increased to 8.5% and NNPA to 5.6%, though CGFMU covers over 98% of Inclusive Finance assets.

**Strategic Initiatives & Growth Drivers:**

Targets include 30-35% advances and 40-45% deposit growth, aiming for a 55% secured asset mix. Key initiatives: expanding Vikas Loan, scaling digital deposits (now ~₹1,000 Cr), and launching a pilot secured credit card.

**Business Developments:**

Inclusive Finance disbursements are recovering, with Vikas Loan now 66% of the IF book. CV, Mortgage, and MHL disbursements increased. The bank received ₹56 Cr from its second CGFMU claim.

**Market Position & Competitive Advantage:**

Serving 3.5 Million customers via 710 branches across 15 states, the bank shows broad reach. Digital capabilities aid efficient deposit acquisition. Extensive CGFMU coverage mitigates unsecured loan risk.

**Investor Implications:**

Strong advances/deposits growth and strategic diversification signal positive growth potential. Investors should monitor asset quality trends and NIM stabilization for sustained profitability.