SURYODAY

Management Guidance & Outlook - Reaffirmed full-year FY27 advances growth target of 30% to 35% and exit RoA of 1.4% to 1.5%. - Confident in achieving the guided ~₹300 crore PAT for FY27. - Targeting a medium-term loan mix of 45% Inclusive Finance and 55% Retail Assets. Operational & Financial Highlights - Gross advances grew 34.6% YoY to ₹14,972 crore; quarterly disbursements rose 27.4% YoY to ₹3,096 crore. - Total deposits increased 35% YoY to ₹16,184 crore, with retail deposits forming 84.5% of the total base. - Net Interest Income grew 42.8% YoY to ₹368.8 crore, with NIM expanding 28 bps YoY to 7.2%. - Q2 FY27 PAT stood at ₹76.5 crore with a net profit margin of 15.5%. Asset Quality & Provisioning - Gross NPA dropped sharply to 2.9% from 6.5% QoQ, aided by ₹387 crore in CGFMU claim receipts and ₹596 crore of write-offs/OTS. - Quarterly slippages were ₹122 crore, split equally between inclusive finance and secured/digital assets. - Exposure in drought-prone districts of Maharashtra and Karnataka stands at ~₹1,000–1,100 crore with no material impact observed yet. Growth Drivers & Capital Adequacy - Rapid scale-up in Credit Line on UPI (CLOU), reaching a ₹350 crore portfolio, targeted to reach ₹500–600 crore by FY27 end. - Raised ₹200 crore in Tier-2 capital in October (adding ~1.8% to CRAR), with another ₹200 crore planned before year-end. - Plans to add ~50 new branches over the next 4–5 months to support disbursement momentum.

- Audio recording of the conference call held on October 30, 2026, for Q2 and H1 FY27 financial results is now available on the Bank's website. - Transcript of the call will be shared within prescribed timelines.

- Q2 FY27 Gross Advances rose 34.6% YoY to ₹14,972 Cr; Deposits up 35.0% YoY to ₹16,184 Cr. - Net Profit surged 151.7% YoY to ₹76.5 Cr; GNPA improved to 2.9% from 5.9% YoY. - Reaffirmed FY27 guidance: Advances & Deposits growth of 30-35% and RoA of 1.3%-1.4%.

- Q2 FY27 Net Total Income rose 46.5% YoY to ₹495.3 Cr; NII grew 42.8% YoY to ₹368.8 Cr. - PAT increased 151.6% YoY to ₹76.5 Cr. - Gross Advances grew 34.6% YoY to ₹14,972 Cr; Deposits up 35.0% to ₹16,184 Cr. - GNPA improved to 2.9% vs 5.9% YoY.

Q2 FY27 Standalone Total Income ₹829.38 Cr vs ₹599.50 Cr (▲38% YoY) Operating Profit ₹145.50 Cr vs ₹79.15 Cr (▲84% YoY) PAT ₹76.55 Cr vs ₹30.41 Cr (▲152% YoY) Asset Quality: Gross NPA at 2.97% vs 4.43% (YoY); Net NPA at 1.14% vs 2.80% (YoY)

- Suryoday Small Finance Bank has announced the outcome of its board meeting held on October 22, 2026. - The board approved raising capital through the issuance of up to Rs. 100 Crores via Lower Tier II Non-Convertible Debentures on a private placement basis. - The debentures will be rated, listed, unsecured, subordinated, and redeemable in a single series. - The proposed non-convertible debentures will be listed on BSE Limited.

- Received approval from the Reserve Bank of India (RBI) on October 14, 2026, for the remuneration payable to key executives. - Approval covers Variable Pay for FY 2025-26 and Fixed Remuneration for FY 2026-27. - Applies to Mr. Baskar Babu Ramachandran (MD & CEO) and Mr. Hemant Shah (Whole-time Director). - Follows the shareholders' approval obtained at the 18th AGM held on August 6, 2026.

Concall Schedule Concall Date: October 30, 2026 Concall Time: 11:00 AM IST

- Suryoday Small Finance Bank has allotted 200 Basel II Compliant Lower Tier II Non-Convertible Debentures (NCDs). - Total aggregate value of the issuance is ₹200 Crore. - Coupon rate is fixed at 10.05% per annum, payable semi-annually. - Tenure is 10 years with allotment date on October 9, 2026, and maturity on October 9, 2036. - NCDs are unsecured and proposed to be listed on BSE Limited.

- Suryoday Small Finance Bank reported provisional Q2FY27 business updates with Gross Advances at ₹14,972 Cr, reflecting 34.6% YoY growth. - Total Deposits grew by 35.0% YoY to reach ₹16,184 Cr, with retail deposits at ₹13,670 Cr and bulk deposits at ₹2,514 Cr. - GNPA improved significantly to 2.9% in Q2FY27 compared to 9.3% in Q2FY26. - Disbursements during the quarter stood at ₹3,095 Cr, up 27.4% YoY.

- Suryoday Small Finance Bank has appointed Mr. Alok Pathak as Chief Risk Officer (CRO) for a 3-year term effective October 1, 2026. - Mr. Alok Pathak brings over 26 years of experience, including 8 years as CRO. - Mr. Yogesh Dixit, the outgoing CRO, has been re-designated as "Head – Governance Projects" effective October 1, 2026.

- Suryoday Small Finance Bank Limited informed the exchange regarding the outcome of the investor meet. - Discussions during the meet were focused on general business updates and industry outlook without disclosing any unpublished price sensitive information (UPSI).

- Ms. Radhika Gawde re-designated as Head - Operations effective October 01, 2026. - Ms. Sweety Jain appointed as Chief Credit Officer effective October 01, 2026. - Mr. Vishal Singh resigned as Chief Information Officer and Head - Digital Banking effective October 03, 2026 to pursue entrepreneurship.

- Trading window for dealing in securities will remain closed from October 01, 2026. - Closure will remain effective until 48 hours after declaration of Q2 and half-year ended September 30, 2026 results. - Board meeting date for approving results to be intimated later.

- Concall Schedule - Concall Date: September 29, 2026 - Concall Time: 03:00 PM to 04:00 PM