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NINE MONTHS RESULTS

Suryoday Small Finance Bank Ltd.

May 21, 01:46 BSE 126.35 (+ 1.35 1.08%)

Volume2422

Prev. Close
125.00

Open Price
124.30

Today's Low / High

124.00 126.35

Bid. Price (Qty.)126.15 (1)

Offer Price (Qty.)
126.45 (2)

52 Wk Low / High

90.00 212.00

May 21, 01:33 NSE 126.00(+ 0.97 0.78%)

Volume122870

Prev. Close
125.03

Open Price
125.98

Today's Low / High

123.89 126.33

Bid Price (Qty.)126.00 (236)

Offer Price (Qty.) 126.19 (1)

52 Wk Low / High

97.97 212.75

Standalone

(₹ in Crs.)

Particulars	Dec 24	Dec 23	Dec 22	Dec 21	Dec 20
Interest Earned
Int. /Disc. on Adv/Bills	1314.47	998.60	734.80	613.80	544.21
Income on Investment	150.35	137.93	112.18	81.32	59.83
Int. on balances With RBI	18.35	7.51	7.22	10.00	19.95
Others	0.00	0.00	0.04	0.12	0.35
Total Interest Earned	1483.17	1144.04	854.24	705.24	624.34
Other Income	157.15	154.69	63.46	73.59	56.11
Total Income	1640.32	1298.73	917.70	778.83	680.45

EXPENDITURE
Interest Expended	621.69	452.59	317.78	267.21	271.08
Employee Cost	328.46	252.34	169.24	161.77	133.57
Other Expenses	347.61	268.22	194.91	133.39	98.06
Total Expenses	1297.76	973.15	681.93	562.37	502.71

Operating Profit Before Provisions And Contingencies	342.56	325.58	235.77	216.46	177.74
Provisions And Contingencies	151.95	118.18	185.13	279.90	107.69
P/L Before Tax	190.61	207.40	50.64	-63.44	70.05
Tax	41.86	52.28	11.84	-18.52	15.19
P/L After Tax from Ordinary Activities	148.75	155.12	38.80	-44.92	54.86
Net Profit/Loss For the Period	148.75	155.12	38.80	-44.92	54.86

Equity Share Capital	106.28	106.16	106.16	106.15	89.18
EPS Before Extra Ordinary *
Basic EPS (Rs.)	14.00	14.61	3.66	-4.23	6.19
Diluted EPS (Rs.)	13.92	14.44	3.66	-4.23	6.05
EPS After Extra Ordinary *
Basic EPS (Rs.)	14.00	14.61	3.66	-4.23	6.19
Diluted EPS (Rs.)	1392.00	14.44	3.66	-4.23	6.19

NPA Ratios:
Gross NPA	528.95	223.26	228.85	510.83	29.91
Net NPA	292.32	102.01	146.02	257.04	12.81
(%) of Gross NPA	5.53	3.06	4.23	10.48	0.78
(%) of Net NPA	3.13	1.42	2.74	5.57	0.33
Return on Assets %	1.13	1.45	0.45	-0.66	0.93

OPBPC Margin (%)	23.09	28.45	27.59	30.69	28.46
PBT Margin (%)	12.85	18.12	5.92	-8.99	11.21
PAT Margin (%)	10.02	13.55	4.54	-6.36	8.78

Particulars	Dec 24
Interest Earned
Int. /Disc. on Adv/Bills	1314.47
Income on Investment	150.35
Int. on balances With RBI	18.35
Others	0.00
Total Interest Earned	1483.17
Other Income	157.15
Total Income	1640.32

EXPENDITURE
Interest Expended	621.69
Employee Cost	328.46
Other Expenses	347.61
Total Expenses	1297.76
Operating Profit Before Provisions And Contingencies	342.56
Provisions And Contingencies	151.95
P/L Before Tax	190.61
Tax	41.86
P/L After Tax from Ordinary Activities	148.75
Net Profit/Loss For the Period	148.75
Equity Share Capital	106.28
EPS Before Extra Ordinary *
Basic EPS (Rs.)	14.00
Diluted EPS (Rs.)	13.92
EPS After Extra Ordinary *
Basic EPS (Rs.)	14.00
Diluted EPS (Rs.)	1392.00
NPA Ratios:
Gross NPA	528.95
Net NPA	292.32
(%) of Gross NPA	5.53
(%) of Net NPA	3.13
Return on Assets %	1.13
OPBPC Margin (%)	23.09
PBT Margin (%)	12.85
PAT Margin (%)	10.02