SURYODAY2023-10-012023-12-31 SURYODAY2023-10-012023-12-31 SURYODAY2023-10-012023-12-31in-bse-fin:OneOperatingExpenses01Member SURYODAY2023-10-012023-12-31in-bse-fin:OneOperatingExpenses02Member SURYODAY2023-10-012023-12-31in-bse-fin:OneOperatingExpenses03Member SURYODAY2023-10-012023-12-31in-bse-fin:OneOperatingExpenses04Member SURYODAY2023-10-012023-12-31in-bse-fin:OneOperatingExpenses05Member SURYODAY2023-10-012023-12-31in-bse-fin:OneOperatingExpenses06Member SURYODAY2023-10-012023-12-31in-bse-fin:OneOperatingExpenses07Member SURYODAY2023-10-012023-12-31in-bse-fin:OneOperatingExpenses08Member SURYODAY2023-10-012023-12-31in-bse-fin:OneOperatingExpenses09Member SURYODAY2023-10-012023-12-31in-bse-fin:OneOperatingExpenses10Member SURYODAY2023-10-012023-12-31in-bse-fin:FourOperatingExpenses01Member SURYODAY2023-10-012023-12-31in-bse-fin:FourOperatingExpenses02Member SURYODAY2023-10-012023-12-31in-bse-fin:FourOperatingExpenses03Member SURYODAY2023-10-012023-12-31in-bse-fin:FourOperatingExpenses04Member SURYODAY2023-10-012023-12-31in-bse-fin:FourOperatingExpenses05Member SURYODAY2023-10-012023-12-31in-bse-fin:FourOperatingExpenses06Member SURYODAY2023-10-012023-12-31in-bse-fin:FourOperatingExpenses07Member SURYODAY2023-10-012023-12-31in-bse-fin:FourOperatingExpenses08Member SURYODAY2023-10-012023-12-31in-bse-fin:FourOperatingExpenses09Member SURYODAY2023-10-012023-12-31in-bse-fin:FourOperatingExpenses10Member SURYODAY2023-12-31 SURYODAY2023-10-012023-12-31in-bse-fin:OneReportableSegmentRevenue01Member SURYODAY2023-10-012023-12-31in-bse-fin:OneReportableSegmentRevenue02Member SURYODAY2023-10-012023-12-31in-bse-fin:OneReportableSegmentRevenue03Member SURYODAY2023-10-012023-12-31in-bse-fin:OneReportableSegmentRevenue04Member SURYODAY2023-10-012023-12-31in-bse-fin:OneReportableSegmentRevenue05Member SURYODAY2023-10-012023-12-31in-bse-fin:FourReportableSegmentRevenue01Member SURYODAY2023-10-012023-12-31in-bse-fin:FourReportableSegmentRevenue02Member SURYODAY2023-10-012023-12-31in-bse-fin:FourReportableSegmentRevenue03Member SURYODAY2023-10-012023-12-31in-bse-fin:FourReportableSegmentRevenue04Member SURYODAY2023-10-012023-12-31in-bse-fin:FourReportableSegmentRevenue05Member SURYODAY2023-10-012023-12-31in-bse-fin:OneReportableSegmentResults01Member SURYODAY2023-10-012023-12-31in-bse-fin:OneReportableSegmentResults02Member SURYODAY2023-10-012023-12-31in-bse-fin:OneReportableSegmentResults03Member SURYODAY2023-10-012023-12-31in-bse-fin:OneReportableSegmentResults04Member SURYODAY2023-10-012023-12-31in-bse-fin:OneReportableSegmentResults05Member SURYODAY2023-10-012023-12-31in-bse-fin:FourReportableSegmentResults01Member SURYODAY2023-10-012023-12-31in-bse-fin:FourReportableSegmentResults02Member SURYODAY2023-10-012023-12-31in-bse-fin:FourReportableSegmentResults03Member SURYODAY2023-10-012023-12-31in-bse-fin:FourReportableSegmentResults04Member SURYODAY2023-10-012023-12-31in-bse-fin:FourReportableSegmentResults05Member SURYODAY2023-10-012023-12-31in-bse-fin:OneReportableSegmentAssets01Member SURYODAY2023-10-012023-12-31in-bse-fin:OneReportableSegmentAssets02Member SURYODAY2023-10-012023-12-31in-bse-fin:OneReportableSegmentAssets03Member SURYODAY2023-10-012023-12-31in-bse-fin:OneReportableSegmentAssets04Member SURYODAY2023-10-012023-12-31in-bse-fin:OneReportableSegmentAssets05Member SURYODAY2023-12-31 SURYODAY2023-10-012023-12-31in-bse-fin:OneReportableSegmentLiabilities01Member SURYODAY2023-12-31in-bse-fin:OneReportableSegmentLiabilities01Member SURYODAY2023-10-012023-12-31in-bse-fin:OneReportableSegmentLiabilities02Member SURYODAY2023-12-31in-bse-fin:OneReportableSegmentLiabilities02Member SURYODAY2023-10-012023-12-31in-bse-fin:OneReportableSegmentLiabilities03Member SURYODAY2023-12-31in-bse-fin:OneReportableSegmentLiabilities03Member SURYODAY2023-10-012023-12-31in-bse-fin:OneReportableSegmentLiabilities04Member SURYODAY2023-12-31in-bse-fin:OneReportableSegmentLiabilities04Member SURYODAY2023-10-012023-12-31in-bse-fin:OneReportableSegmentLiabilities05Member SURYODAY2023-12-31in-bse-fin:OneReportableSegmentLiabilities05Member iso4217:INRxbrli:purexbrli:sharesiso4217:INRxbrli:shares 543279 SURYODAY NA INE428Q01011 Suryoday Small Finance Bank Limited Banking Format Equity 2023-04-01 2024-03-31 2024-02-08 2024-01-25 INR Lakhs Third quarter Multi segment 15:30:00 18:10:00 2024-02-08 2024-02-08 Not applicable 2023-10-01 2023-12-31 Unaudited Standalone 3591200000.00 485800000.00 30100000.00 0.00 4107100000.00 519000000.00 4626100000.00 1650200000.00 932600000.00 901700000.00 1834300000.00 3484500000.00 1141600000.00 378600000.00 0.00 763000000.00 190800000.00 572200000.00 0.00 572200000.00 572200000.00 1061600000.00 10.00 0.00 0.2566 0.00 5.39 5.36 5.39 5.36 2232600000.00 1020100000.00 0.0306 0.0142 0.0051 *Figures for the respective quarter ended/nine months ended are not annualized. 1. Net worth is computed as per RBI Master Circular No. RBI/2015-16/70 DBR.No.Dir.BC.12 /13.03.00/2015-16 on Exposure Norms dated July 01, 2015. 2. Debt represents total borrowings. 3. Equity represents total of share capital and reserves. 4.Total debt represent total borrowings of the Bank. 5. The above financial results have been reviewed by the Audit Committee of the Board and approved by the Board of Directors at its meeting held on February 08, 2024. The financial results for the quarter and nine months ended December 31, 2023 have been subjected to Limited Review by the statutory auditors of the Bank, Walker Chandiok & Co. LLP. An unmodified review report has been issued by them thereon. 6. The above financial results of the Bank have been prepared in accordance with the recognition and measurement principles laid down in the applicable Accounting Standards as prescribed under section 133 of the Companies Act, 2013 read with the Companies (Accounting Standards) Rules, 2021, the relevant provisions of the Banking Regulation Act, 1949, the circulars, guidelines and directions issued by the Reserve Bank of India and other accounting principles generally accepted in India, including Regulation 33 and Regulation 52 read with Regulation 63 (2) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended. 7. The Bank carries a floating provision of Rs.2,893 lakhs as on December 31, 2023, which is used for calculation of net NPA and provision coverage ratio (March 31, 2023 : Rs.1,784 lakhs). 8. During the quarter ended December 31, 2023, the Bank has allotted 1,924 equity shares pursuant to the exercise of stock options under the approved Employee Stock Option Plan (ESOP) 2016 & 2019. 9. During the quarter ended December 31, 2023, the Bank has granted 75,000 Employee Stock Options (ESOPs) to the eligible employees under the approved Employee Stock Option Plan (ESOP) 2019. 10. Other income include processing fees, profit on sale of investments (including provision for depreciation), income on dealing in priority sector lending certificate, etc. 11. Details of loans transferred/acquired during the quarter ended December 31, 2023 under the RBI Master Direction on Transfer of Loan Exposures dated September 24, 2021 are given below : i) The Bank has not transferred/acquired any loans not in default through assignment of loans. ii) The Bank has not transferred/acquired any stressed loans (Non-performing asset and Special Mention Account). 12. The Capital adequacy ratio (CRAR) is computed on the basis of RBI guidelines applicable on the relevant reporting dates and the ratio for the corresponding previous period is not adjusted to consider the impact of subsequent changes, if any, in the guidelines. The Bank has followed Basel II standardized approach for credit risk in accordance with the operating guidelines issued by the Reserve Bank of India for Small Finance Banks. Further, the RBI vide its circular No. DBR.NBD.No. 4502/16.13.218/2017-18 dated November 08, 2017 has provided an exemption to all Small Finance Banks whereby no separate capital charge is prescribed for market risk and operational risk. 13. The figures for the quarter ended December 31, 2023 and December 31, 2022 are the balancing figures between reviewed figures in respect of nine months end and reviewed published year to date figures upto the end of the first half of respective financial years. 14. Figures of the previous periods have been regrouped / reclassified wherever necessary to conform to current period's classification. 2023-04-01 2023-12-31 Unaudited Standalone 9986000000.00 1379300000.00 75100000.00 0.00 11440400000.00 1546900000.00 12987300000.00 4525900000.00 2523400000.00 2682200000.00 5205600000.00 9731500000.00 3255800000.00 1181800000.00 0.00 2074000000.00 522800000.00 1551200000.00 0.00 1551200000.00 1551200000.00 1061600000.00 10.00 0.00 0.2566 0.00 14.61 14.44 14.61 14.44 2232600000.00 1020100000.00 0.0306 0.0142 0.0145 Advertisement and publicity 3100000.00 Auditors' fees and expenses 2300000.00 Depreciation on Bank's property 126800000.00 Director's fees/remuneration, allowances and expenses 2500000.00 Law charges 7800000.00 Other expenditure (includes professional fees & insurance ) 458900000.00 Postage, telegrams, telephones, etc. 21000000.00 Printing and stationery 6800000.00 Rent, taxes and lighting 101200000.00 Repairs and maintenance 171300000.00 Advertisement and publicity 22400000.00 Auditors' fees and expenses 8000000.00 Depreciation on Bank's property 382300000.00 Director's fees/remuneration, allowances and expenses 9500000.00 Law charges 22000000.00 Other expenditure (includes professional fees & insurance ) 1316200000.00 Postage, telegrams, telephones, etc. 62100000.00 Printing and stationery 39300000.00 Rent, taxes and lighting 310900000.00 Repairs and maintenance 509500000.00 Corporate 254100000.00 Other Banking Operations 121900000.00 Retail Banking 4366500000.00 Treasury 517200000.00 Unallocated 0.00 Corporate 730600000.00 Other Banking Operations 171900000.00 Retail Banking 12230100000.00 Treasury 1541700000.00 Unallocated 0.00 5259700000.00 14674300000.00 633600000.00 1687000000.00 4626100000.00 12987300000.00 Corporate -74200000.00 Other Banking Operations 0.00 Retail Banking 880500000.00 Treasury -27500000.00 Unallocated 0.00 Corporate -152700000.00 Other Banking Operations 0.00 Retail Banking 2716500000.00 Treasury -441700000.00 Unallocated 0.00 778800000.00 2122100000.00 0.00 0.00 15800000.00 48100000.00 763000000.00 2074000000.00 Corporate 10048300000.00 Other Banking Operations 174700000.00 Retail Banking 66047900000.00 Treasury 34064900000.00 Unallocated 0.00 110335800000.00 881600000.00 881600000.00 111217400000.00 Corporate 19454200000.00 Other Banking Operations 84000000.00 Retail Banking 47854400000.00 Treasury 26376700000.00 Unallocated 0.00 93769300000.00 21600000.00 21600000.00 93790900000.00 1. Inter-segment revenue is based on internally approved yield curve or at an agreed transfer rate on the funding provided by one business segment to another. Transaction cost is levied between segments on cost plus basis. 2. The RBI vide its circular No. RBI/2022-23/19/DOR.AUT.REC.12/2022-23 dated April 07, 2022 on establishment of Digital Banking Units (DBUs), has prescribed reporting of Digital Banking Segment as a sub-segment of Retail Banking Segment. At present, the Bank has not established DBUs and hence no Digital Banking Segment disclosures have been made.