Suryoday Small Finance Bank Ltd (BOM:543279)

Q4 2025 Suryoday Small Finance Bank Ltd Earnings Call Transcript

May 9, 2025 / 05:30 AM GMT

Release Date Price: ₹114.85 (-6.47%)

Transcript

Key Points

Positve

Suryoday Small Finance Bank Ltd (BOM:543279) achieved a significant milestone with both deposits and advances crossing INR 10,000 crore.
The bank's gross advances increased by 18.5% year-on-year, reaching INR 10,251 crore.
Retail deposits now constitute 81.1% of the total deposit base, indicating strong retail franchise growth.
The bank's CASA ratio improved to 20.9% from 20.1% year-on-year.
Suryoday Small Finance Bank Ltd (BOM:543279) maintains a healthy capital position with a CRAR of 25.8%, well above regulatory requirements.

Negative

The bank's gross NPA increased to 7.2% from 2.8% in the previous year, indicating rising asset quality concerns.
Profit after tax decreased by 46.8% year-on-year, highlighting profitability challenges.
The cost of funds increased to 7.8% from 7.3%, impacting the bank's cost efficiency.
Pre-provisioning operating profit decreased by 14.3% year-on-year, reflecting operational challenges.
The bank faces significant challenges in the microfinance sector, including rising delinquencies and liquidity constraints.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

SURO.NS - Suryoday Small Finance Bank Ltd
Q4 2025 Suryoday Small Finance Bank Ltd Earnings Call
May 09, 2025 / 05:30AM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, good day and welcome to the Suroda Small Finance Bank Limited discussion on Q4 and FY25 earnings conference call hosted by Centrum Broking Limited.

As a reminder, all participant lines will be in the listen-only mode, and there will be an opportunity for you to ask questions after the presentation concludes.

Should you need assistance during the conference call, please signal an operator by pressing, then 0 on your touchstone phone. Please note that this conference is being recorded.

I now hand the conference over to Mr. Shalianani from Centrum Broking Limited.

Thank you and over to you, sir.

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