Suryoday Small Finance Bank Limited (NSE:SURYODAY)

NSE:SURYODAY Income Statement

Financials in millions INR. Fiscal year is April - March.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest Income on Loans	17,308	17,308	15,887	11,837	9,418	7,761
Interest Income on Investments	2,300	2,229	-	-	-	-
Total Interest Income	19,608	19,538	15,887	11,837	9,418	7,761
Interest Paid on Deposits	9,008	8,476	6,265	4,371	3,574	3,657
Total Interest Expense	9,008	8,476	6,265	4,371	3,574	3,657
Net Interest Income	10,601	11,061	9,622	7,466	5,845	4,105
Net Interest Income Growth (YoY)	2.84%	14.96%	28.89%	27.74%	42.38%	-16.31%
Gain (Loss) on Sale of Assets	-	-	0.08	0.12	0.76	0.16
Gain (Loss) on Sale of Investments	-	-	26.97	-354.48	-60.18	64.83
Other Non-Interest Income	2,558	2,173	2,167	1,329	995.01	698.99
Total Non-Interest Income	2,558	2,173	2,194	974.22	935.58	763.98
Non-Interest Income Growth (YoY)	7.23%	-0.97%	125.19%	4.13%	22.46%	-12.64%
Revenues Before Loan Losses	13,158	13,234	11,816	8,440	6,780	4,869
Provision for Loan Losses	2,559	2,454	1,663	2,366	3,920	1,462
Revenue	10,599	10,780	10,153	6,074	2,860	3,407
Revenue Growth (YoY)	-4.08%	6.18%	67.15%	112.35%	-16.05%	-20.03%
Salaries and Employee Benefits	4,415	4,398	3,571	2,398	2,272	1,800
Occupancy Expenses	-	-	1,600	1,289	1,012	903.25
Selling, General & Administrative	44.5	44.5	228.27	188.29	133.86	93.56
Other Non-Interest Expense	5,160	4,900	1,841	1,164	703.86	431.14
Total Non-Interest Expense	9,620	9,342	7,277	5,065	4,131	3,286
EBT Excluding Unusual Items	979.4	1,438	2,876	1,009	-1,271	120.95
Pretax Income	979.4	1,438	2,876	1,009	-1,271	120.95
Income Tax Expense	177.5	288.6	716.1	231.7	-340.4	2.4
Net Income	801.9	1,150	2,160	776.91	-930.32	118.55
Net Income to Common	801.9	1,150	2,160	776.91	-930.32	118.55
Net Income Growth	-66.37%	-46.76%	177.97%	-	-	-89.31%
Basic Shares Outstanding	106	106	106	106	106	90
Diluted Shares Outstanding	107	107	106	106	106	90
Shares Change (YoY)	0.22%	0.55%	0.19%	0.02%	17.52%	8.04%
EPS (Basic)	7.54	10.82	20.34	7.32	-8.76	1.32
EPS (Diluted)	7.51	10.75	20.15	7.32	-8.76	1.31
EPS Growth	-66.21%	-46.65%	175.34%	-	-	-90.13%
Effective Tax Rate	18.12%	20.06%	24.90%	22.97%	-	1.98%

Updated Jan 23, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.