Investor Presentation

October 29, 2026 Ref.: SSFB/CS/68/2026-27 National Stock Exchange of India Limited BSE Limited Listing Department The Corporate Relations Department Exchange Plaza, C-1, Block G, Phiroze Jeejeebhoy Towers, Bandra Kurla Complex, Dalal Street, Fort, Bandra (East), Mumbai-400 051 Mumbai-400 001 Symbol: SURYODAY Scrip Code: 543279, 960033, 978308 Dear Sir/Madam, Sub: Investor Presentation on the Unaudited Financial Results of Suryoday Small Finance Bank Limited (the "Bank") for the Quarter (Q-2) and Half year ended on September 30, 2026, under Regulation 30 and other applicable provisions of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 Ref: Bank’s letter No. SSFB/CS/61/2026-27 dated October 14, 2026, intimating about the conference call and letter No. SSFB/CS/66/2026-27 dated October 29, 2026, intimating the Outcome of the Board meeting on approval of the Unaudited Financial Results of the Bank for the Quarter (Q-2) and Half year ended on September 30, 2026. In continuation to the above-mentioned intimations, please find attached herewith Investor Presentation relating to the Conference call update on the Unaudited Financial Results of the Bank for the Quarter (Q-2) and Half year ended on September 30, 2026. This intimation shall also be made available on the Bank's website at https://suryoday.bank.in/investor-corner/#disclosure-to-stock-exchanges and https://suryoday.bank.in/investor-corner/#financials and in terms of Regulation 30, 46 and 62 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. The above is submitted for your kind information and appropriate dissemination. Thanking You, Yours truly, For Suryoday Small Finance Bank Limited Geeta Krishnan Interim Company Secretary & Compliance Officer Encl: As above SURYODAY SMALL FINANCE BANK LIMITED Registered Office: 1101, Sharda Terraces, Plot. 65, Sector 11, CBD Belapur, Navi Mumbai – 400614, Maharashtra Tel: 022-41856700 Corporate Office: 7th Floor, Seawoods Grand Central, Tower No. 1, Plot No. R-1, Sector 40, Seawoods, Navi Mumbai – 400 706 E Mail: info@suryodaybank.com / Web: https://suryoday.bank.in/ CIN: L65923MH2008PLC261472 / GSTIN NO: 27AAMCS5499J1ZG Inclusive Growth, Powering Aspirations Investor Presentation | Q2 & H1FY27 October-2026 TABLE OF CONTENTS 1. Performance Highlights & Way Forward 6. Our Strategy 2. Key Metrics 7. Financials & Key Ratios 3. Asset Products 8. Company Overview & Products 4. Asset Quality 9. CSR Initiatives 5. Liability Portfolio 10. Annexures 1. PERFORMANCE HIGHLIGHTS & WAY FORWARD PERFORMANCE HIGHLIGHTS Q2FY27 Gross Advances# Disbursements Asset Mix^ Collection Efficiency ₹ 14,972 Cr. ₹ 3,096 Cr. IF : RA – 40.8% : 59.2% (one EMI adjusted) (+34.6% YoY) (+27.4% YoY) (45.1% : 54.9%) 93.6% (85.3%) Deposits Retail@ : Bulk Deposit CASA Ratio Cost of Funds ₹ 16,184 Cr. 84.5% : 15.5% 19.4% 7.4% (+35.0% YoY) (86.0% : 14.0%) (20.7%) (7.7%) @Includes Retail Term Deposit & CASA PAT CTI Ratio GNPA* / NNPA* Pre-POP ₹ 76.5 Cr. 70.6% 2.9% / 1.5% ₹ 145.5 Cr. (+151.7% YoY) (-596 Bps YoY) (5.9% / 3.8%) (+83.8 YoY) RoA / RoE Customers Branch Network Employee Count 1.5% / 14.0% 7.0 million # 726 # 8,511 (0.8% / 6.2%) (+92.0% YoY) (# 712) (# 8,828) #Includes IBPC ^After write-off *As of Sept’26, GNPA ₹438 Cr., NNPA ₹224 Cr., against which ₹181 Cr. is receivable under CGFMU scheme Figures in ( ) represents Q2 FY26 4 Figures may not add up due to rounding off PERFORMANCE HIGHLIGHTS PARAMETER Metrics Q2FY27 YoY QoQ HIGHLIGHTS H1 FY27 ▪ Momentum has picked up in Inclusive Finance [IF] business: Loan Book # ₹ 14,972 34.6% 4.2%@ ▪ Book growth 22.0% [YoY]; Disbursement up 21.9% [YoY]; VL is 78.3% of IF book ADVANCES# Disbursements ₹ 3,096 27.4% 4.8% ▪ ~3.7 Lakh customers added [thereof NTB: 38.4%] ▪ Retail Asset business share continues to increase: H1 FY27: 59.2% vs. H1 FY26: 54.9% IF Share 40.8% -422bps -360bps ▪ Advances : CV grows 36.0% [YoY] and Mortgage 35.8% [YoY] ▪ Digital business Leadership: Partner led quality customer acquisition ▪ ~8.9 Lakhs Customers added in CLOU – Book of ₹371 Cr. [up ~249.8% vs March 26] B CE% 99.1% 48bps 11bps 0 ▪ Target Asset Mix of 45:55 [Current: 41: 59] ASSET GNPA [%] 2.9% -296bps -355bps ▪ NNPA adjusted for CGFMU claims 0.3% QUALITY ▪ Net slippages at ₹170 Cr. [H1 FY26 - ₹438 Cr.] NNPA [%] 1.5% -225bps 28bps Deposits ₹ 16,184 35.0% 10.6% ▪ Market leaders in Digital Deposits DEPOSITS CASA [%] 19.4% -125bps -158bps ▪ Partner led Digital Deposits 19.1% of Total Deposits; ~2.2 Lakh customer base ▪ Growth in CASA (Absolute Terms) 26.8% [YoY] CoD [%] 7.3% -36bps -5bps ▪ Growth of Paying book drives Yield improvement Yield [%] 16.8% 46bps 65bps ▪ IF Paying book growth [Up 32.1% YoY] drives Yield improvement PROFITABILITY CoF [%] 7.4% -29bps -6bps ▪ CoF stable despite hardening of Term Deposit rates CTI [%] 70.6% -596bps 51bps ▪ Adjusted for digital expenses, CTI is 68.7% vs. 72.9% in H1FY26 PPOP ₹ 145.5 83.8 % 5.0% ▪ Improvement in Yield and Growth in CLOU business drive profitability RETURNS PAT ₹ 76.5 151.7% 1.8% ▪ Growth in Fees from CLOU partially off-sets lower PSL Income ▪ H1 PAT crosses FY26 – Target ROA for FY27 continues to be 1.4% ROA [%] 1.5% 72bps -10bps #Includes IBPC *As of Sept’26, GNPA ₹438 Cr., NNPA ₹224 Cr., against which ₹181 Cr. is receivable under CGFMU scheme @Adjusted for write-off, QoQ growth is 8.2% Figures may not add up due to rounding off GUIDANCE & WAY FORWARD FY27 Year of Building Momentum & Consistency Micro-Banking: Pivot to Individual Loan Continues Advances Deposit Growth IF: ~₹7,500 Cr, +25% YoY 30% to 35% 30% to 35% Expansion & Deeper Penetration 34.6% 35.0% New 100 Branches Growth Momentum in Retail Assets [45%+ YOY] CV : ~ ₹ 2,800 Cr, +55% YOY Profitability Asset Quality Mortgage : ~ ₹4,200 Cr, +45% YOY RoA / RoE 1.3% to 1.4% / 13% to 14% GNPA ~3% & NNPA <0.3% Credit Line on UPI (~ 2x PAT) (CGFMU Adjusted) 2.9% / 1.5% Achieve 2x growth 1.5% / 14.0% 1.3% / 0.3 (adjusted for CGFMU) Digital Deposit 2x Growth Guidance for the FY27 Achieved in Q2 FY27 (YoY Growth) Figures may not add up due to rounding off 2. KEY METRICS KEY METRICS Q2 & H1 FY27 Gross Advances* (₹ Cr.) Disbursements@ (₹ Cr.) Deposits (₹ Cr.) 34.6% Y-o-Y 4.2% Q-o-Q 27.4% Y-o-Y 4.8% Q-o-Q 35.0% Y-o-Y 10.6% Q-o-Q 14,376 14,972 14,972 11,124 11,124 7,987 8,857 8,857 6,111 6,111 4,691 6,050 14,634 16,184 16,184 11,991 11,991 2,954 3,096 5,013 6,389 6,115 5,013 6,115 2,430 Q2FY26 Q1FY27 Q2FY27 H1FY26 H1FY27 Q2FY26 Q1FY27 Q2FY27 H1FY26 H1FY27 Q2FY26 Q1FY27 Q2FY27 H1FY26 H1FY27 IF RA & Others Net Interest Income (₹ Cr.) Pre-POP (₹ Cr.) PAT (₹ Cr.) 42.8% Y-o-Y 16.8% Q-o-Q 83.8% Y-o-Y 5.0% Q-o-Q 151.7% PAT Y-o-Y 1.8% PAT Q-o-Q 151.7 284.1 684.5 75.2 76.5 65.7 505.4 188.1 258.2 315.7 368.8 79.1 138.6 145.5 30.4 Q2FY26 Q1FY27 Q2FY27 H1FY26 H1FY27 Q2FY26 Q1FY27 Q2FY27 H1FY26 H1FY27 Q2FY26 Q1FY27 Q2FY27 H1FY26 H1FY27 @ Excluding SCF, disbursements for Q2FY27 is ₹ 2,625 Cr. vs ₹ 2,053 Cr. in Q2FY26; Excluding SCF, disbursements for H1FY27 is ₹ 5,177 Cr. vs ₹ 3,973 Cr. in H1FY26 *Includes IBPC Figures may not add up due to rounding off KEY METRICS Q2FY27 & H1FY27 Effective Yield on Advances (%) Cost of Funds (%) NIM (%) 46 bps Y-o-Y 65 bps Q-o-Q 29 bps Y-o-Y 6 bps Q-o-Q 28 bps Y-o-Y 2 bps Q-o-Q 16.8% 16.6% 16.4% 16.5% 7.7% 7.5% 7.4% 7.8% 7.4% 6.9% 7.2% 7.2% 7.1% 7.2% 16.2% Q2FY26 Q1FY27 Q2FY27 H1FY26 H1FY27 Q2FY26 Q1FY27 Q2FY27 H1FY26 H1FY27 Q2FY26 Q1FY27 Q2FY27 H1FY26 H1FY27 Cost / Income Ratio (%) PCR* (%) Asset Quality* (%) 296 bps GNPA Y-o-Y 355 bps GNPA Q-o-Q 596 bps Y-o-Y 51 bps Q-o-Q 1,147 bps Y-o-Y 3,301 bps Q-o-Q 225 bps NNPA Y-o-Y 28 bps NNPA Q-o-Q GNPA NNPA 5.9% 6.5% 5.9% 81.8% 3.8% 3.8% 76.6% 70.1% 70.6% 72.9% 70.4% 48.8% 48.8% 2.9% 2.9% 1.5% 37.3% 37.3% 1.2% 1.5% Q2FY26 Q1FY27 Q2FY27 H1FY26 H1FY27 Q2FY26 Q1FY27 Q2FY27 H1FY26 H1FY27 Q2FY26 Q1FY27 Q2FY27 H1FY26 H1FY27 *As of Sept’26, GNPA ₹ 438 Cr., NNPA ₹ 224 Cr., against which ₹ 181 Cr. is receivable under CGFMU scheme Figures may not add up du [Showing first 8,000 characters — download PDF for full document]