Suryoday Small Finance Bank Ltd

The provided transcript from Suryoday Small Finance Bank's Q4 FY23 conference call does not mention any details regarding current or expected orderbook or pending orders. The discussion focuses on topics such as: - Portfolio growth and diversification strategies - Collection efficiencies and asset quality - Deposit and funding composition - Geographic focus and branch expansion plans - Financial performance guidance and outlook for FY24 - Risk provisions and coverage policies No information related to orderbook or pending orders is included in the available pages.

The transcript from Suryoday Small Finance Bank's May 16, 2023 call (pages 4-15) does not explicitly mention any current or planned new fundraising through debt or equity. Key financial highlights and growth plans discussed include: - Strong capital adequacy ratio at 33.7% (Tier 1 at 30.8%) - No direct reference to fresh equity or debt issuances - Focus on organic growth through scaling advances and deposits (30% and 35% growth targets respectively for FY '24) - No mention of fundraising to support branch expansions or new product launches - Capital position suggests current resources are sufficient to meet growth and regulatory requirements In summary, there is no disclosed plan or intention for new debt or equity fundraising in the near future based on the provided transcript excerpts.

The transcript does not explicitly mention any specific current or future capital expenditure (capex) or strategic investment plans in detail. However, some relevant points implying investments and growth plans include: - Expansion of branch network: Plans to add 80-90 new branches in the current year, with around half converting asset branches into multiproduct branches for both assets and deposits. - Investment in leadership and franchise: To support growth and reach CASA targets. - Digital initiatives: Leveraging multiple apps and digital channels as part of operational focus. - Building a strong Vikas Loan book targeted at INR2,000 crores. - Increment in feet on street (employees) for retail businesses like mortgage and commercial vehicle portfolios. - Focus on increasing granular retail deposits through branch expansion and digital acquisition. No explicit large capital expenditure or strategic investments other than branch expansion and business scaling mentioned.

- The bank aims to grow gross advances by approximately 30% in FY '24. - Deposits are targeted to increase by 35% in FY '24, supported by branch expansion and digital acquisition. - Inclusive finance portfolio is expected to grow to around INR5,000 crores. - Retail asset portfolio is targeted to grow by 35% to 40%, reaching over INR3,000 crores. - Vikas Loan portfolio growth is a key focus, with plans to reach around 4 lakh customers and INR2,000 crores portfolio size. - Disbursement in commercial vehicles expected to increase from INR40 crores to INR75 crores monthly by year-end. - Mortgage portfolio targeted to grow from around INR1,000 crores to INR1,700-1,800 crores. - The bank targets maintaining NIMs around 10% and improving ROA to 2.2% and ROE to 15% in FY '24. - Overall strategy includes product diversification, expanding branches, and improving digital initiatives to support growth.

- The bank targets a full-year Pre-Provision Operating Profit (PPOP) of around INR 500 crores for FY '24, with a run rate improvement expected starting Q1 (Page 6). - Return on Assets (ROA) guidance for FY '24 is to inch up to around 2.2%, improving from prior performance, aiming for a steady state ROE of about 15% in the near term and eventually 18-24 months for achieving ~4% ROE (Pages 4, 10). - Growth in advances is expected at approximately 30%, with deposits targeted to grow 35% in FY '24 (Page 4). - NIMs expected to be maintained at around 10%, with room for review post Q1 (Page 7). - Cost-to-income ratio expected to be around 57% in the coming year with a medium-term objective of 55%, factoring in 1% premium insurance cost (Page 11).