Suryoday Small Finance Bank Limited — PPTs, 08-05-2026: Investor Presentation

1. **Business Performance:** 💪 Suryoday Small Finance Bank delivered strong audited Q4 & FY26 results. Gross Advances climbed 29.4% YoY to ₹13,261 Cr, with Deposits up 32.3% YoY to ₹13,994 Cr. Q4 Profit after Tax (PAT) hit ₹49.7 Cr, contributing to a strong FY26 PAT of ₹152.0 Cr. Both Inclusive Finance (+17.2% YoY) and Retail Assets (+41.4% YoY) showed solid growth. Asset quality improved, with GNPA at 6.5% and NNPA at 4.2%.

2. **Growth Drivers or Strategy:** 🚀 The bank's game plan revolves around Micro-banking (Vikas Loans), boosting Granular Retail, and supercharging Digital. Digital deposits impressively doubled YoY to ₹1,672 Cr. Their Credit Line on UPI is a hit with ~11 lakh pre-qualified users.

3. **Recent Developments:** 🔥 Q4 broke records with ₹1,226 Cr in Vikas Loan disbursements. Digital channels now fuel over 12% of their deposits, showing strong tech adoption.

4. **Key Financial Metrics:** ✨ Q4 Return on Assets (RoA) jumped to 1.1% and Return on Equity (RoE) to 9.8%. Efficiency improved as Cost-to-Income (CTI) ratio dropped sharply to 73.7%.

5. **Management Commentary / Outlook:** 🔭 For FY27, Suryoday targets 30-35% growth in Advances & Deposits. They're aiming for 1.3-1.4% RoA, 13-14% RoE (~2x PAT), and cleaner books with GNPA ~3% (CGFMU Adj). Digital growth (2x for deposits & CLOU) is also a key focus.