Suryoday Small Finance Bank Ltd (BOM:543279)

Q3 2026 Suryoday Small Finance Bank Ltd Earnings Call Transcript

Jan 22, 2026 / 05:30 AM GMT

Release Date Price: ₹132.55 (-4.88%)

Transcript

Key Points

Positve

Suryoday Small Finance Bank Ltd (BOM:543279) reported a healthy year-on-year growth of 24.3% in gross advances as of December 31, 2025.
The bank's disbursements excluding supply chain finance increased by 30.2% year-on-year, indicating strong growth momentum.
Retail deposits strengthened, with their share improving to 87%, and the CASA ratio stood at 21.2%, reflecting improved deposit granularity.
The bank's digital initiatives are gaining traction, with digitally sourced deposits contributing nearly 30% of incremental deposit accretion.
The bank maintains a strong capital adequacy ratio of 21.9%, well above the regulatory requirement, providing a buffer for future growth.

Negative

The gross NPA ratio increased to 6.6%, which is a concern despite industry trends showing a decline.
Net interest income decreased from INR862 crores to INR782 crores, indicating pressure on interest margins.
The cost-to-income ratio increased to 73.6% from 66.4% in the corresponding period last year, reflecting higher operational costs.
Profit before tax decreased to INR102.2 crores from INR148.7 crores year-on-year, indicating a decline in profitability.
There is a perception of management's over-optimism, with repeated assurances of improvement not yet reflected in financial performance.

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

SURO.NS - Suryoday Small Finance Bank Ltd
Q3 2026 Suryoday Small Finance Bank Ltd Earnings Call
Jan 23, 2026 / 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 Suotec Small Finance Bank Limited Q39MFI 26 earnings conference call hosted by Arian Capital Markets Limited. As a reminder, all participant lines will be in listen-only mode, and there will be an opportunity for you. To ask questions after the presentation concludes. Should you need assistance during this conference call, please signal an operator by pressing then 0 on your touchstone 4. Please note that this conference has been recorded. I now hand over the conference to Ms. Juhie from RN Capital Market Limited.

Thank you and over to you, ma'am.

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Unidentified_2 [2

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