Suryoday Small Finance Bank Limited has informed the Exchange about Investor Presentation
SURYODAY · price
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Suryoday Small Finance Bank reported Q1 FY26 results showing strong business growth but continued pressure on profitability and asset quality. Gross Advances grew 20% YoY to ₹10,846 Cr, deposits surged 39% to ₹11,312 Cr, and disbursements rose 30% to ₹2,261 Cr. However, profit after tax fell sharply by 49.6% YoY to ₹35.3 Cr, and RoA dropped to 0.9% from 2.3% last year. Asset quality deteriorated significantly with GNPA rising to 8.5% and NNPA to 5.6%, primarily from the FY23 microfinance portfolio. NIM stood at 7.2% (down from 10% YoY) and management expects it to stabilize from Q2 FY26. The bank has ₹584 Cr receivable under the CGFMU government guarantee scheme covering 98% of its inclusive finance book. FY26 guidance includes 30-35% advances growth, 40-45% deposits growth, GNPA below 5%, RoA of 1.5-1.6%, and RoE of 11-12%.
Mixed near-term picture: strong business momentum and deposit growth are positives, but steep YoY profit decline, rising NPAs, and weak RoA could weigh on investor sentiment. The FY26 guidance signals meaningful recovery in profitability and asset quality, which if achieved, could support the stock over the medium term.