Suryoday Small Finance Bank Limited · NSE:SURYODAY
Suryoday Small Finance Bank — Q3 FY26 Earnings Presentation
42 slides from Suryoday Small Finance Bank's earnings presentation, Jan 22, 2026
Slide 1: Exchange cover letter for investor presentation
January 22, 2026 Ref.: SSFB/CS/93/2025-26 To, National Stock Exchange of India Limited BSE Limited Listing Department The Corporate Relations Department Exchange Plaza, C-1, Block G, Phiroze Jeejeebhoy Towers, Bandra Kurla Complex, Dalal Street, Fort, Bandra (East), Mumbai-400 051 Mumbai-400 001 Sym
Slide 2: Investor Presentation Q3 & 9M FY26 December 2025
Investor Presentation Q3 & 9M FY26 December 2025
Slide 3: Table of Contents
TABLE OF CONTENTS 01 Performance Highlights and Way Forward 02 Company Overview 03 Asset Products 04 Asset Portfolio Quality 05 Liability Portfolio 06 Financial & Key Ratios 07 Guidance 08 CSR Initiatives Investor Presentation 2
Slide 4: Performance Highlights & Way Forward
01 Performance Highlights & Way Forward Q3 & 9M FY26 3
Slide 5: Performance Highlights – Q3 FY26
PERFORMANCE HIGHLIGHTS – Q3 FY26 IF Disbursement back to normalcy ~ INR 12,000 Cr (+24.3% YoY) • Inclusive Finance (JLG & Individual Loans) disbursements recovered to ₹1,246 Cr. in Q3 ADVANCES Non-NPA book ~ INR 11,000 Cr FY26 vs ₹707 Cr. in Q3 FY25 (+ ~76% YoY) vs ~ INR 10,500 Cr in Q2 FY26 • Stron
Slide 6: Performance Highlights – Q3 FY26
PERFORMANCE HIGHLIGHTS – Q3 FY26 Parameter Q3 FY26 Q2 FY26 Q-o-Q Growth Q3 FY25 Y-o-Y Growth Gross Advances ₹11,885 ₹11,124 6.8% ₹9,563 24.3% Deposits ₹12,865 ₹11,991 7.3% ₹9,708 32.5% Disbursements* ₹2,257 ₹2,053 9.9% ₹1,420 58.9% Retail : Bulk Deposit 87.0% : 13.0% 86.0% : 14.0% 93 bps 81.2% : 18.
Slide 7: Key Strategies Playing Out & Plan Ahead
KEY STRATEGIES PLAYING OUT & PLAN AHEAD Digital – Focused Granular Retail IF Risk Resilience JSH Banking Focus Digital deposits - 11%+ of total book (~1500 Cr) with Core focus continues on Vikas Loan (comprises 72% of Focus on LAP - 80% disbursements & comprising ~ ₹6 crore/day run rate with substan
Slide 8: Digital Banking
DIGITAL BANKING Product Led Approach Digital Deposit Rapid Growth Exponential growth-Credit-line on Digital FD with frictionless closure 28% UPI Corporate CA solutions, MSME instant approval Incremental Deposit 2.2 -Leveraging on credit on UPI & secured CC 0.5 1.3 Digital Book 20% 5,088 Leveraging P
Slide 9: Key Metrics – Q3 & 9M FY26
KEY METRICS – Q3 & 9M FY26 Gross Advances (₹Cr) Disbursements (₹Cr) Deposits (₹Cr) 24.3 % Y-o-Y 6.8 % Q-o-Q 24.3 % Y-o-Y 83.9 % Y-o-Y 11.0 % Q-o-Q 51.2 % Y-o-Y 32.5 % Y-o-Y 7.3 % Q-o-Q 32.5 % Y-o-Y 11,124 11,885 11,885 9,563 9,563 6,111 6,522 6,522 4,466 4,466 7,389 4,888 11,991 12,865 12,865 5,097
Slide 10: Key Metrics – Q3 & 9M FY26
KEY METRICS – Q3 & 9M FY26 All numbers in ₹Cr.s, unless otherwise indicated Effective Yield on Advances (%) Cost of Funds (%) NIM (%) 145 bps Y-o-Y 45 bps Q-o-Q 265 bps Y-o-Y 12 bps Y-o-Y 5 bps Q-o-Q 8 bps Y-o-Y 114 bps Y-o-Y 37 bps Q-o-Q 222 bps Y-o-Y 18.3% 16.8% 19.3% 16.4% 16.6% 7.8% 7.7% 7.6% 7.
Slide 11: Company Overview
02 Company Overview 10
Slide 12: Key Milestones
KEY MILESTONES Suryoday 2.0 As on December 2025 Gross Advances crosses ₹11,800 Cr & Deposits ₹12,865 Cr Vikas Loan is now 72% of the IF Book Customer Base → 3.8 Mn / Branch Network → 712 New Initiatives scaling steadily : MSME, Secured Credit Card and Credit line on UPI 2024 & Launched Machinery & E
Slide 13: Empowering Solutions: Beyond Micro Lending
EMPOWERING SOLUTIONS: BEYOND MICRO LENDING Asset Portfolio Liabilities Portfolio TD, RD & Long-Term CASA Inclusive Finance Retail Assets Deposit (45%) (55%) JLG Vikas Loans Vehicle Bulk Deposits Digital FD Mortgage Others (28%) (72%) Financing Expanding Beyond Micro Lending Housing Loans CV FIG Cust
Slide 14: Strong Foothold: Covering 2/3rd of India
STRONG FOOTHOLD: COVERING 2/3RD OF INDIA Branch Distribution Particulars Dec’25 Dec’24 Asset focused outlets 383 387 CG:1 Liability focused outlets* 132 126 HR 3 Rural Centers 197 195 DL:6 Total 712 708 48 39 Note: *Includes Composite Branches Geographical Mix of the Branches 41 35 Outlets Asset Foc
Slide 15: Asset Products
03 Asset Products 14
Slide 16: Inclusive Finance: Beyond Micro-Lending
INCLUSIVE FINANCE: BEYOND MICRO-LENDING JLG/NTB VL act as the entry engine, gradually moving households toward comprehensive Vikas Loan Share banking solutions. 72% of IF Gross Advances Focus on semi-urban households in Tier 1–3 cities with robust Average Ticket Size underwriting, analytics-driven c
Slide 17: Inclusive Finance: Shifting Group to Individual
INCLUSIVE FINANCE: SHIFTING GROUP TO INDIVIDUAL Product Description Gross Advances (₹Cr) Parameter JLG / NTB VL Vikas Loans 5,364 5,072 5,089 Customer Segment Urban/ Semi Urban Urban/ Semi Urban 3,743 3,386 2,683 3,027 3,877 Products Group Loans Individual Loans 2,944 213 1,232 29 Geography Tier 1&2
Slide 18: Mortgages: Focused Approach
MORTGAGES: FOCUSED APPROACH SSFB offers comprehensive mortgage Gross Advances offerings - Housing & MSME Loans catering to Semi-prime and urban affordable customer segment Present Locations ₹2,800Cr+ Business Strategy: Focus on retail and Disbursements secured MSME lending, deepen portfolio in exist
Slide 19: Mortgages: Sustainable Growth
MORTGAGES : SUSTAINABLE GROWTH Product Description Gross Advances (Rs. Cr) Parameter Micro Mortgages Housing Loans LAP Customer Semi Prime / Urban Semi Prime / Urban Affordable / Semi Urban 2,778 Segment Affordable Affordable 2,187 546 Home Loans – Resale / Home loans– Resale/Builder Products Busine
Slide 20: Vehicle Financing: Monetizing on Large Opportunity
VEHICLE FINANCING: MONETIZING ON LARGE OPPORTUNITY SSFB is diversifying business through various products under Vehicle 1 Financing Portfolio – CV, TW, Used CV, Car loans & Construction Equipment Expanding in the rural space, catering the Tier 3 & Tier 4 locations and Customers 2 focusing on micro-m
Slide 21: Vehicle: Accelerated Growth Over Last 3 Years
VEHICLE: ACCELERATED GROWTH OVER LAST 3 YEARS Portfolio description Gross Advances# (₹Cr) Construction Parameter Commercial Vehicles Cars Equipment (CE) Customer Segment Urban / Semi Urban Products Used and New 1,609 Geography Tier 1, 2 & 3 1,336 830 Distribution Hub & Spoke Dealer & Partnerships 35
Slide 22: FIG, Supply Chain, MSME & Others
FIG, SUPPLY CHAIN, MSME & OTHERS Gross Advances (₹Cr) Portfolio description Supply Chain Parameter FIG Others Finance 236 Customer NBFCs/ SME/ Retail/ MSME 232 455 Segment Corporates MSME 259 313 Products Corporate Lending Vendor Financing Listed Below* 240 1328 275 1147 848 243 688 380 214 Distribu
Slide 23: Asset Business Update – Q3 FY26
ASSET BUSINESS UPDATE – Q3 FY26 Micro Particulars (₹Cr) JLG VL HL LAP Vehicles FIG SCF MSME Others* Total Mortgage Gross Advances – (₹Cr) 1,486.5 3,877.0 804.7 1,427.5 545.5 1,608.8 1,327.6 455.2 116.3 235.8 11,885.0 Disbursement (₹Cr) 294.8 951.6 63.1 197.4 73.6 317.1 297.5 440.8 45.4 16.3 2,697.6
Slide 24: Asset Portfolio Quality
04 Asset Portfolio Quality 23
Slide 25: Portfolio Performance
PORTFOLIO PERFORMANCE SSFB – PAR 30+ IF – PAR 30+ Retail Assets – PAR 30+# 8.6% 11.4% 12.9% 5.5% 2.0% 5.6% 6.7% 0.8% 0.9% 4.6% 5.4% 4.1% 2.7% 3.6% 3.4% 3.2% 2.7% 1.9% Dec-24 Sep-25 Dec-25 Dec-24 Sep-25 Dec-25 Dec-24 Sep-25 Dec-25 PAR 30-90 PAR 90+ Figures may not add up due to rounding off # Net off
Slide 26: GNPA Asset Quality & Credit Cost
GNPA ASSET QUALITY & CREDIT COST All numbers in ₹Cr.s, unless otherwise indicated GNPA Q3 FY26 Movement GNPA 9M FY26 Movement 606 155 8 - 13 524 12 12 791 790 655 790 734 Sep-25 New Tech W/off RollBack/ Sold to ARC Dec-25 Mar-25 New Tech W/off Sold to ARC RollBack/ Dec-25 Recoveries Recoveries Provi
Slide 27: Liability Portfolio
05 Liability Portfolio 26
Slide 28: Deposit Landscape
DEPOSIT LANDSCAPE Key Product Acquisition Customer Highlights Offerings Channels Profiling Deposits Traditional Deposit Products – Smart Banking Outlets Aspiring Middle Class CASA, TD • Targeted business focus within radius ₹12,865 Cr of ~2kms Goal based saving products, Exclusive offers, Easy-to-us
Slide 29: Deposit Update
DEPOSIT UPDATE Deposits Retail Deposit (Incl CASA) Average Ticket Size 11,991 12,865 ₹Cr 9,708 87 4% 86 81 1,677 Retail % 1,675 30% 2,732 <50 k 1,828 2,477 31% Retail TD 50 K to 5 Lakhs 1,893 20.7 21.2 CASA 19.5 5 Lakhs to 50 Lakhs 7,839 8,456 CASA % 5,987 50 Lakh & above Bulk 35% Dec-24 Sep-25 Dec-
Slide 30: Funding Mix & Liquidity
FUNDING MIX & LIQUIDITY Balance Sheet Mix Capital Adequacy Ratio % (CRAR) 26.9% 1.6% 3% 10% 23.4% 1.0% 21.9% 1.0% 12% 25.3% 22.4% 21.0% 76% Dec-24 Sep-25 Dec-25 Deposits Shareholders Fund Other Liab Borrowings Tier 1 Tier 2 Total Figures may not add up due to rounding off Investor Presentation 29
Slide 31: Financial & Key Ratios Q3 & 9M FY26
06 Financial & Key Ratios Q3 & 9M FY26 30
Slide 32: Financials – Balance Sheet
FINANCIALS – BALANCE SHEET Particulars (₹Cr) Dec-25 Dec-24 Y-o-Y Sep-25 Q-o-Q Capital and Liabilities Capital 106.3 106.3 0.0% 106.3 0.0% Reserves and Surplus 1,922.9 1,854.0 3.7% 1,885.2 2.0% Deposits 12,864.9 9,707.6 32.5% 11,991.3 7.3% Borrowings 1,680.2 1,956.0 -14.1% 2,164.9 -22.4% Other Liabil
Slide 33: Financials – P&L Account
FINANCIALS – P&L ACCOUNT Particulars (₹Cr) Q3 FY26 Q3 FY25 Y-o-Y Q2 FY26 Q-o-Q 9M FY26 9M FY25 Y-o-Y Interest Earned 543.9 487.8 11.5% 519.7 4.7% 1,558.7 1,483.2 5.1% Interest Expended 267.1 219.6 21.6% 261.4 2.1% 776.5 621.7 24.9% Net Interest Income 276.8 268.3 3.2% 258.2 7.2% 782.2 861.5 -9.2% Ot
Slide 34: Financials – Key Metrics
FINANCIALS – KEY METRICS Particulars (₹Cr) Unit Q3 FY26 Q3 FY25 Y-o-Y Q2 FY26 Q-o-Q 9M FY26 9M FY25 Y-o-Y Gross Advances ₹Cr 11,885 9,563 24.3% 11,124 6.8% 11,885 9,563 24.3% Disbursement ₹Cr 2,698 1,467 83.9% 2,430 11.0% 7,389 4,888 51.1% Deposits ₹Cr 12,865 9,708 32.5% 11,991 7.3% 12,865 9,708 32.
Slide 35: Guidance
07 Guidance 34
Slide 36: Guidance
FY26 Represents YTD achieved Revised Guidance for Q4FY26 Deposits Expected to grow by 40% to 45% Asset Mix (CASA to 22.0%+) Asset Quality To achieve a secured 32.5% / 21.2% GNPA <5% / NNPA <3% mix of 55% GNPA 6.6%/NNPA 4.3% Over 98% of IF portfolio covered under 55% CGFMU Advances Returns Expected t
Slide 37: CSR Initiatives
08 CSR Initiatives 36
Slide 38: Beyond Banking
BEYOND BANKING Adhira: Financial Empowerment of Domestic Workers Building financial capability of domestic workers, focusing on digital literacy, savings, and formal financial access. Location: Maharashtra Beneficiaries till date: 14,161 Ujjwal: Financial Literacy for Students Financial and banking
Slide 39: Beyond Banking
BEYOND BANKING Spandan: Health Interventions for Women and Adolescent Girls Preventive health programs for women and children, linking financial health with physical well-being. Location: Maharashtra, Tamil Nadu, Odisha Beneficiaries till date: 4,177 Udyojika: Supplementary Livelihoods Supporting 14
Slide 40: Beyond Banking
BEYOND BANKING The Rotary Club of Madras Charitable Trust, in collaboration with the Greater Chennai Corporation and with the continued CSR support of Suryoday Small Finance Bank, launched the Mobile Dental Clinic Project to provide accessible dental care to school children and urban communities in
Slide 41: Glossary
GLOSSARY Terminology Definition Terminology Definition Gross Advances Assets Under Management (Excludes ARC) NNPA Net Non Performing Assets CASA Current Account Savings Account NPA Non Performing Assets CBS Core Banking System NTB New-To-Bank CGFMU Credit Guarantee Fund for Micro Units PAR Portfolio
Slide 42: Suryoday Small Finance Bank Ltd contact details
Suryoday Small Finance Bank Ltd CIN: L65923MH2008PLC261472 For further information, please contact Suryoday Small Finance Bank Ltd Adfactors PR, Investor Relations Mr. Himadri Das Snighter Albuquerque / Aashvi Shah himadri.das@suryodaybank.com Pratik Adangle Website: https://www.suryodaybank.com/ Sn
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