Please find attached herewith Transcript of the Conference Call.
SURYODAY · price
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Suryoday Small Finance Bank reported FY26 profit after tax of ₹152 crores, up from ₹115 crores in FY25, with net total income growing 10.2% YoY to ₹1,458 crores. Deposits expanded 32.3% YoY to ₹13,994 crores, while the GNPA ratio stood at 6.5% (₹864 crores). Slippages improved significantly from ₹116 crores in Q3 to ₹74 crores in Q4, with collection efficiency reaching 99.7%. The bank is shifting from JLG microfinance loans to individual Vikas loans, with 75% of the inclusive finance portfolio now in individual loans growing at 40-45% YoY. Digital deposits now contribute about 50% of incremental deposits. Management guided for FY27 PAT of over ₹300 crores (2x FY26), ROA of 1.2% in Q1 rising to 1.6% by Q4, and expects CGFMU claims of ₹450-550 crores.
The bank is showing improving asset quality trends with reduced slippages and strong growth in secured retail assets (CV and mortgage books grew 36-38% YoY). Management's 2x PAT target for FY27 and ROA guidance trajectory indicate confidence in sustained profitability improvement, though the CGFMU claim timing remains flexible between Q1-Q2.