Suryoday Small Finance Bank Limited — PPTs, 07-05-2026: Investor Presentation

Suryoday Small Finance Bank reported strong Q4 & FY26 results, showing significant growth and improved asset quality. Gross Advances grew 29.4% YoY to ₹13,261 Cr, while Deposits surged 32.3% YoY to ₹13,994 Cr. Q4 Profit After Tax was ₹49.7 Cr, a solid turnaround from a loss last year. Asset quality improved, with GNPA at 6.5% and NNPA at 4.2%.

The bank's strategy focuses on three pillars: strengthening Micro-banking, expanding Granular Retail Assets like LAP and CV loans, and accelerating Digital Banking. Digital deposits reached ₹1,672 Cr, doubling YoY, and Credit Line on UPI now serves around 11 lakh pre-qualified customers. Recent developments include a record ₹1,226 Cr in Vikas Loan disbursements for Q4.

Management projects continued momentum, targeting 30-35% growth in Advances and Deposits for FY27. They aim for a significant improvement in profitability, with RoA of 1.3-1.4% and RoE of 13-14%, and further reduce GNPA to ~3% and NNPA to <0.3% (CGFMU Adjusted). The bank plans to open 100 new branches, reinforcing its commitment to sustained growth and consistency.