Suryoday Small Finance Bank Limited

rs,

ra (East), Mumbai-400 051 BSE Limited The Corporate Relations Department Phiroze Jeejeebhoy Towers, Dalal Street, Fort, Mumbai-400 001 Symbol: SURYODAY Scrip Code: 543279 Dear Sir/Madam, Sub:

INR 11,000

ance Highlights & Way Forward Q2 & H1 FY26 3 PERFORMANCE HIGHLIGHTS – Q2 FY26 ADVANCES Crossed INR 11,000 Cr Non-NPA book ~ INR 10,500 Cr vs ~ INR 10,000 Cr QoQ DEPOSITS ~ INR 12,000 Cr / CASA 20.7% ASS

INR 10,500

d Q2 & H1 FY26 3 PERFORMANCE HIGHLIGHTS – Q2 FY26 ADVANCES Crossed INR 11,000 Cr Non-NPA book ~ INR 10,500 Cr vs ~ INR 10,000 Cr QoQ DEPOSITS ~ INR 12,000 Cr / CASA 20.7% ASSET MIX Non – IF mix stands a

INR 10,000

ERFORMANCE HIGHLIGHTS – Q2 FY26 ADVANCES Crossed INR 11,000 Cr Non-NPA book ~ INR 10,500 Cr vs ~ INR 10,000 Cr QoQ DEPOSITS ~ INR 12,000 Cr / CASA 20.7% ASSET MIX Non – IF mix stands at 55% ASSET QUALIT

INR 12,000

ADVANCES Crossed INR 11,000 Cr Non-NPA book ~ INR 10,500 Cr vs ~ INR 10,000 Cr QoQ DEPOSITS ~ INR 12,000 Cr / CASA 20.7% ASSET MIX Non – IF mix stands at 55% ASSET QUALITY GNPA/NNPA : INR 655 Cr/ INR

20.7%

NR 11,000 Cr Non-NPA book ~ INR 10,500 Cr vs ~ INR 10,000 Cr QoQ DEPOSITS ~ INR 12,000 Cr / CASA 20.7% ASSET MIX Non – IF mix stands at 55% ASSET QUALITY GNPA/NNPA : INR 655 Cr/ INR 411 Cr INR 378

55%

vs ~ INR 10,000 Cr QoQ DEPOSITS ~ INR 12,000 Cr / CASA 20.7% ASSET MIX Non – IF mix stands at 55% ASSET QUALITY GNPA/NNPA : INR 655 Cr/ INR 411 Cr INR 378 Cr receivable as of Sept’25 GNPA 5.9%

INR 655

S ~ INR 12,000 Cr / CASA 20.7% ASSET MIX Non – IF mix stands at 55% ASSET QUALITY GNPA/NNPA : INR 655 Cr/ INR 411 Cr INR 378 Cr receivable as of Sept’25 GNPA 5.9% / NNPA 3.8% IF Disbursement gains mom

INR 411

000 Cr / CASA 20.7% ASSET MIX Non – IF mix stands at 55% ASSET QUALITY GNPA/NNPA : INR 655 Cr/ INR 411 Cr INR 378 Cr receivable as of Sept’25 GNPA 5.9% / NNPA 3.8% IF Disbursement gains momentum, power

INR 378

SA 20.7% ASSET MIX Non – IF mix stands at 55% ASSET QUALITY GNPA/NNPA : INR 655 Cr/ INR 411 Cr INR 378 Cr receivable as of Sept’25 GNPA 5.9% / NNPA 3.8% IF Disbursement gains momentum, powered by Vikas

5.9%

t 55% ASSET QUALITY GNPA/NNPA : INR 655 Cr/ INR 411 Cr INR 378 Cr receivable as of Sept’25 GNPA 5.9% / NNPA 3.8% IF Disbursement gains momentum, powered by Vikas Loan & NTB VL/ Secured asset growth

3.8%

QUALITY GNPA/NNPA : INR 655 Cr/ INR 411 Cr INR 378 Cr receivable as of Sept’25 GNPA 5.9% / NNPA 3.8% IF Disbursement gains momentum, powered by Vikas Loan & NTB VL/ Secured asset growth continues at

Efficiency and speed driven by effective training

1

Efficiency and speed driven by effective training

Centralized underwriting for large loans, digital solutions to reduce retail TAT, and structured training on product, service, compliance, and digital skills. Gross Advances ₹2,500Cr+ Disbursements ₹300Cr+ Team Strength 750+ Employees Touchpoints 100+ locations Micro Mortgage Loan Against Property Housing Loans SSFB’s Focus Areas Investor Presentation 17 MORTGAGES : SUSTAINABLE GROWTH Product Description Gross Advances (Rs. Cr) Parameter Micro Mortgages Housing Loans LAP Customer Segment Products Affordable / Semi Urban Semi Prime / Urban Affordable Semi Prime / Urban Affordable Home Loans – Resale / Self construction Home loans– Resale/Builder & Secured Business Loan Business purpose/ Geography Tier 2 & 3 Tier 1 & 2 Tier 1 & 2 Distribution 100% In-house Collection Sourcing Team Hybrid – In-house, Connectors & DSA’s Hybrid – In-house, Branches, Connectors & DSA’s Sourcing & Dedicated Collection Team Sourcing & Dedicated Collection Team 470 - 159 311 FY21 2,555 491 1,288 2,187 406 1,056