Analysts/Institutional Investor Meet/Con. Call Updates

November 03, 2026 Ref.: SSFB/CS/71/2026-27 National Stock Exchange of India Limited BSE Limited Listing Department The Corporate Relations Department Exchange Plaza, C-1, Block G, Phiroz Jeejeebhoy Towers, Bandra Kurla Complex, Dalal Street, Fort, Bandra (East), Mumbai-400051 Mumbai-400 001 Scrip Code: 543279, 960033, 978308 Symbol: SURYODAY Dear Sir/Madam, Sub: Submission of the Transcript of the Conference Call held on October 30, 2026, on the Unaudited Financial Results of Suryoday Small Finance Bank Limited (the “Bank”) for the Quarter (Q-2) and Half year ended September 30, 2026 Ref.: Bank’s Letters No.: SSFB/CS/61/2026-27 dated October 14, 2026, and SSFB/CS/69/2026-27 dated October 30, 2026, respectively pertaining to intimation of Conference Call and disclosure of Audio recording of Conference Call on the Unaudited Financial Results of the Bank for the Quarter (Q-2) and Half year ended September 30, 2026 In continuation to the above referred letters and pursuant to the Regulation 30 read with clause 15 of Paragraph A in Part A of Schedule III of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 (“SEBI Listing Regulations”), kindly be apprised that the transcript of the aforesaid Conference (Earnings) Call held on October 30, 2026, on the Unaudited Financial Results of the Bank for the Quarter (Q-2) and Half year ended September 30, 2026, has been made available on the Bank’s website within the timeline prescribed under the SEBI Listing Regulations and could be accessed at following link and also attached herewith as an Annexure to this letter: https://suryoday.bank.in/assets/pdf/suryoday-small-finance-bank-q2-h1-fy27-transcript.pdf The aforesaid disclosure will also be available on the Bank’s website at:- https://suryoday.bank.in/investor-corner/#disclosure-to-stock-exchanges The above is submitted for your kind information and appropriate dissemination. Thanking You, 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 “Suryoday Small Finance Bank Limited Q2 & H1 FY27 Earnings Call” October 30, 2026 “E&OE - The transcript is edited for factual errors. In case of discrepancy, the audio recordings uploaded on the stock exchange on 30th October, 2026 will prevail” MANAGEMENT: MR. BASKAR BABU R – MANAGING DIRECTOR AND CHIEF EXECUTIVE OFFICER MR. HEMANT SHAH – EXECUTIVE DIRECTOR MR. KANISHKA CHAUDHARY – CHIEF FINANCIAL OFFICER MR. SENTHIL KUMAR – GROUP HEAD - MICRO-BANKING AND WHEELS MR. SASIDHAR VAVILALA – CHIEF BUSINESS INTELLIGENCE AND AI OFFICER MR. HIMADRI DAS – HEAD, INVESTOR RELATIONS MODERATOR: MS. PRACHI WANI – DAM CAPITAL ADVISORS LIMITED Page 1 of 20 Suryoday Small Finance Bank Limited October 30, 2026 Moderator: Ladies and gentlemen, good day and welcome to Suryoday Small Finance Bank Limited Q2 and H1 FY27 Earnings Call hosted by DAM Capital Advisors Limited. As a reminder, all participant lines will be in the listen-only mode and there will be an opportunity for you to ask questions after the presentation concludes. Should you need assistance during the conference call, please signal an operator by pressing star then zero on your touchtone phone. Please note that this conference is being recorded. I now hand the conference over to Prachi Wani. Thank you, and over to you, ma'am. Prachi Wani: Thank you. Hello, and good morning, everyone. On behalf of DAM Capital, I thank you all for joining into Q2 and H1 FY27 Earnings Conference Call of Suryoday Small Finance Bank. Today from the management we have Mr. Baskar Babu Ramachandran, MD and CEO; Mr. Hemant Shah, Executive Director; Mr. Kanishka Chaudhary, Chief Financial Officer; Mr. Himadri Das, Investor Relationship Head. So, without any further delay, I would hand over the call to Baskar sir for the opening remarks. Over to you, sir. Baskar Babu R: Thank you, Prachi. Good morning, everyone, and thank you for joining us today. Let me also take this opportunity to wish you and your families a very happy festive season. I'm pleased to report the progress we have made as a bank in the first half of FY27. Our focus has been on strengthening the fundamentals of our business while maintaining healthy growth. Over the past few quarters, we have made meaningful progress in improving asset quality, expanding our deposit franchise, diversifying our lending portfolio, and building a more efficient operating model. The second quarter reflects continued progress on each of these priorities. Before I discuss our performance, let me briefly share our perspective on the broader operating environment and some of the trends we are seeing across our businesses. The banking sector continues to witness strong credit demand. System credit growth has remained healthy, supported by retail lending, MSME activity, and commercial credit. At the same time, deposit mobilization continues to be competitive, with credit growth outpacing deposit growth at a systemic level. The recent change in the interest rate environment reflects a view on inflation and has brought funding costs back into focus. For banks, particularly smaller banks, the ability to build stable and granular liabilities will be an important differentiator going forward, and for us, this reinforces the importance of growing our retail deposit franchise and deepen customer relationships, including through our digital channels. The microfinance industry is gradually emerging from a challenging period. Collection trends have improved and are being sustained. Portfolio quality is stabilizing and we see opportunities for calibrated growth. There is now a greater emphasis on borrower quality, overall indebtedness, cash flow assessment, and responsible lending practices. We expect the industry-wide transition from group loans to individual loans, which is likely to benefit borrowers with established repayment histories. While the drought conditions across Karnataka and Maharashtra have not thus far Page 2 of 20 Suryoday Small Finance Bank Limited October 30, 2026 resulted in any material adverse impact on the portfolio performance or asset quality. Our bank continues to maintain a prudent approach and closely monitor the evolving situation. At Suryoday, our transition to Vikas loan and diversifying to newer products like Vijayshri and micro mortgages to cater to customers and their needs across the spectrum has helped us better engage with the customers. On the retail assets front, our bank continues to grow at a faster clip with respect to secured lending with both mortgages and CV growing at 36% year-on-year. Similarly, affordable housing and loans against property continue to offer attractive long-term opportunities, particularly among self-employed and emerging income customers where credit penetration remains relatively low. Overall, we see an environment that offers healthy growth opportunities, but one where underwriting discipline, funding stability, and operating efficiency will increasingly differentiate performance. These trends reinforce the strategic direction we have chosen for Suryoday. Coming to our performance, our growth momentum has remained strong. Gross advances including IBPC stood at INR14,972 crores, representing a year-on-year growth of 34.6%. Disbursements during the quarter were INR3,096 crores, an increase of 27.4% over the corresponding period last year. We are encouraged by the quality and composition of this growth, with both inclusive finance at 41% and retail assets at 59% contributing to the expansion of our franchise. On the liability sid [Showing first 8,000 characters — download PDF for full document]