Suryoday Small Finance Bank Ltd (BOM:543279)

Q4 2026 Suryoday Small Finance Bank Ltd Earnings Call Transcript

May 7, 2026 / 04:00 AM GMT

Release Date Price: ₹180.25 (+11.47%)

Transcript

Key Points

Positve

Suryoday Small Finance Bank Ltd (BOM:543279) reported a significant improvement in collection efficiency, with the inclusive finance portfolio nearing 99.7%.
The bank's commercial vehicle finance portfolio grew by 36% year-on-year, indicating strong growth in this segment.
Retail deposits strengthened, with their share improving to 86%, reflecting a more stable deposit base.
Digital initiatives have been successful, with digitally sourced deposits contributing significantly to incremental deposit growth.
The bank maintained a strong capital adequacy ratio of 20.5%, well above the regulatory requirement, providing a cushion for future growth.

Negative

Despite improvements, the GNPA ratio remains relatively high at 6.5%, indicating ongoing asset quality challenges.
Deposit growth, although positive, fell below earlier guidance, suggesting potential challenges in attracting deposits.
The cost-to-income ratio remains high at 73%, indicating inefficiencies that need to be addressed.
The bank faces competitive pressures and rising funding costs, which could impact margins.
There are localized issues in certain portfolios, such as commercial vehicles in Orissa, which could affect asset quality.

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 2026 Suryoday Small Finance Bank Ltd Earnings Call
May 08, 2026 / 04:00AM GMT

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Presentation
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The year was characterized by tighter underwriting, elevated credit costs at the beginning of the year, and a sharper focus on portfolio quality across the sector.

While the challenges continued during the year, we have started seeing gradual improvement in collections, borrower behavior, and overall business momentum over the past few months. The fourth quarter in particular has been encouraging for the bank. On the intrusive finance side, disbursements have largely returned to earlier run rates of Rs 500 crores per month of disbursements. While slippages reduced meaningfully to approximately 74 crores from 116 crores in the previous quarter. Collection efficiency also continued to improve, with the

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