Analysts/Institutional Investor Meet/Con. Call Updates

July 29, 2026 Ref.: SSFB/CS/42/2026-27 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 Symbol: SURYODAY Scrip Code: 543279, 960033 Dear Sir/Madam, Sub: Submission of the Transcript of the Conference Call held on July 24, 2026, on the Unaudited Financial Results of Suryoday Small Finance Bank Limited (the “Bank”) for the Quarter (Q-1) ended June 30, 2026 Ref.: Our Letter No. SSFB/CS/34/2026-27 dated July 15, 2026, and SSFB/CS/40/2026-27 dated July 24, 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-1) ended June 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 July 24, 2026, on the Unaudited Financial Results of the Bank for the Quarter (Q-1) ended June 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-sfb-q1FY27-conference-call-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 Krishna Kant Chaturvedi Company Secretary & Compliance Officer 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 Q1 FY27 Earnings Conference Call” July 24, 2026 MANAGEMENT: MR. BASKAR BABU RAMACHANDRAN – MANAGING DIRECTOR AND CHIEF EXECUTIVE OFFICER MR. KANISHKA CHAUDHARY – CHIEF FINANCIAL OFFICER MR. SENTHIL KUMAR – CHIEF BUSINESS OFFICER, INCLUSIVE FINANCE AND WHEELS MR. SASIDHAR VAVILALA – EXECUTIVE VICE PRESIDENT, BUSINESS INTELLIGENCE AND ANALYTICS MR. HIMADRI DAS – HEAD INVESTOR RELATIONS MODERATOR: MR. SHAILESH KANANI – ASIAN MARKET SECURITIES Page 1 of 18 Suryoday Small Finance Bank Limited July 24, 2026 Moderator: Ladies and gentlemen, good day, and welcome to the Suryoday Small Finance Bank Limited Q1 FY27 Earnings Conference Call hosted by Asian Market Securities. As a reminder, all participant lines will remain 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 the operator by pressing star then zero on your touchtone telephone. Please note that this conference is being recorded. I will now hand the conference over to Mr. Shailesh Kanani from Asian Market Securities for opening remarks. Thank you, and over to you. Shailesh Kanani: Thanks, Ryan. Hello, and good morning, everyone. On behalf of the Asian Market Securities, I thank you all for joining into Q1 FY27 Earnings Conference Call of Suryoday Small Finance Bank. Today from the management, we have Mr. Baskar Babu Ramachandran, MD and CEO; Mr. Kanishka Chaudhary, Chief Financial Officer; Mr. Himadri Das, Investor Relationship Head. So without any further delay, I will hand over the call to management for the opening remarks. Over to you, sir. Baskar Babu R.: Thank you, Shailesh. Good morning, everybody. Thank you for joining us for Suryoday Small Finance Bank Limited Q1 FY27 Earnings Conference Call. On behalf the entire Suryoday team, I extend my best wishes to all of you and sincerely appreciate your continued support and engagement with our bank. Our financial results and investor presentation is available on the stock exchanges and on our website. And I trust you have had an opportunity to go through this. I'll take you through our bank's performance for Q1 FY27. The first quarter of FY27 has been a period of continued progress, with our bank building on the stabilization achieved over the past few quarters while maintaining a disciplined approach towards growth, portfolio quality and sustainable profitability. The broader microfinance industry has started regaining momentum with improving borrower behavior and gradual recovery in business activity. However, we remain cautious and continue to focus on strengthening collection efficiency and asset quality to enhance central monitoring, technology-led intervention and a more efficient operating model with optimized dependency on manpower-intensive processes. At Suryoday, our strategic transition from traditional JLG model towards individual loans, Vikas Loan continues to gain traction. Importantly, our customers are returning to the normal borrowing behavior reflecting improved confidence and stability within the portfolio. The CGFMU framework continues to provide significant support to balance sheet with a largely covered inclusive finance portfolio, successful claim settlement and improved provisioning discipline, the bank has further strengthened its provision coverage ratio backed by INR 386 crores of CGFMU claims received, thereby enhancing resilience against potential asset quality risks. Page 2 of 18 Suryoday Small Finance Bank Limited July 24, 2026 On the secured retail asset side, we continue to witness healthy momentum across commercial vehicles and mortgages. Our strategy remains focused on calibrated growth in secured lending segments supported by cash flow-based underwriting and deeper customer relationships. We continue to selectively expand our presence in commercial vehicles including construction equipment financing, we are maintaining prudent risk management practices. On our liability side, our focus remains on building a granular and sustainable deposit franchise. Retail deposits continue to be a key area of focus supported by improving customer engagement, digital acquisition channels and our expanding product ecosystem. Digital continues to remain a key strategic pillar for our bank. Our investments in technology infrastructure, digital journeys and data capabilities, are helping us improve customer acquisition, enhance operational efficiency and create scalable banking solutions. Products such as credit line and UPI, secured credit cards, digital MSME loans and digital deposits are enabling us to engage with customers across their functional life cycle. The prequalified customer base created through these digital platforms provides the strong opportunity for future and deeper customer relationships. Now phygital customer base acquired through digital deposits and other digital products stands at approximately 1 million customers having a good credit record. Coming now to our performance of Q1 FY27, I'll touch upon only the key highlights, while the detailed financials are available in our investor presentation uploaded on the stock exchanges. Our gross advances stood at INR14,376 crores, registering a year-on-year growth of 32.5%. Our deposit base stood at INR14,634 crores, reflecting a year-on-year growth of 29.4%. The share of retail deposits stood at 87.3% as of June 2026, supported by both our branch network and our digital sourcing channels. Our CASA ratio stood at 21%, and we continue to focus on granular CASA over the coming quarters. With [Showing first 8,000 characters — download PDF for full document]