Suryoday Small Finance Bank Limited — PPTs, 22-01-2026: Investor Presentation

Suryoday Small Finance Bank delivered solid financial results for the quarter and nine months ended December 2025. Net Interest Income (NII) climbed 7.2% quarter-on-quarter (QoQ) to ₹276.8 Cr, with Profit After Tax (PAT) rising 20.3% QoQ to ₹36.6 Cr.

Gross Advances grew 24.3% year-on-year (YoY) to ₹11,885 Cr, and Deposits increased 32.5% YoY to ₹12,865 Cr, with CASA at 21.2%. Disbursements soared 83.9% YoY to ₹2,698 Cr, driven by a 76% YoY recovery in Inclusive Finance (IF) and 36% YoY growth in CV/Mortgage loans. Asset quality improved with slippages reducing from ₹206 Cr to ₹155 Cr.

The bank is strategically focusing on granular retail growth, with Vikas Loans making up 72% of its IF book. Digital initiatives are scaling rapidly, contributing over 11% of liabilities with new daily deposits of ₹6 Cr, alongside traction in credit on UPI and secured credit cards.

Looking ahead, management aims for FY26 Advances growth of 30-35%, Deposits growth of 40-45% (CASA >22%), and a secured asset mix of 55%. They project GNPA below 5%, NNPA below 3%, RoA of 1.5-1.6%, and RoE of 11-12%.