Suryoday Small Finance Bank Ltd

- There is no explicit mention of any current or planned fundraising through equity in the provided pages. - The bank is focused on expanding its branch network and growing deposits, with deposits targeted to grow by 35% in FY '24. - Borrowings constitute 25% of total liabilities, mostly from refinancing institutions, which are long-term and noncallable. - Cost of funds is expected to increase due to rising deposit rates, with a peak likely in Q2 FY '24. - There is mention of claim recoveries under the ECLGS scheme but no fresh debt/equity raising planned based on that. - The bank’s focus is on granular, organic deposit growth and controlled credit costs rather than new capital raising. - The management indicated no business plans or changes based on the co-lending model currently, which might have implied funding strategies if implemented.

- The bank is building strengths in understanding household credit behavior holistically due to new microfinance guidelines (Page 17). - An investment of INR 40 crores is planned for CGFMU credit insurance cover for the inclusive finance portfolio, seen as cushioning and a strategic investment rather than an expense (Pages 10, 12, 14). - The bank aims to expand branch networks by 150 to 160 branches to support inclusive finance and branch banking growth (Page 7). - No specific mention of other current or future capital expenditure or strategic investments beyond the above in the discussed pages. - No plans to become a universal bank within the next 2 years; focus is on building a strong small finance bank franchise (Page 9).

- The bank aims to grow gross advances by approximately 30% in FY '24. - Deposits are targeted to increase by 35% in FY '24. - Customer base grew 21% year-on-year, indicating potential for continued expansion. - Disbursements grew 17.5% YoY, reflecting growth in loan volumes. - Plans to expand branch network by 150 to 160 new branches to support growth. - Vikas loan portfolio expected to reach around INR2,000 crores by end of the financial year. - Yield improvements and rate hikes on certain loan products expected to marginally increase revenue. - Focus on granular retail deposits and improving CASA ratio towards 25% to optimize funding cost and margins. - Overall, return on assets guidance upgraded to 2.2% for FY '24 with hopes of exceeding 3% by year-end, signaling profitability growth.

- The bank aims to grow gross advances by approx. 30% and deposits by 35% in FY '24. - Return on assets (ROA) guidance for FY '24 is around 2.2%, potentially rising above 3% by year-end. - Return on equity (ROE) target is 15% for FY '24. - Net interest income increased by 26.9% YoY to INR224.7 crores in Q1 FY '24. - Net profit after tax (PAT) in Q1 FY '24 was INR48 crores, growing more than 5x YoY and 22% QoQ. - Cost-income ratio targeted around 55% for FY '24, showing operational efficiency focus. - The bank anticipates manageable credit costs (~1-1.5% of advances) with comfortable floating provisions. - Earnings growth driven by portfolio growth, improved operational efficiencies, and asset quality optimization.

The transcript and presentation on page 16 and the adjacent pages do not contain any specific details related to Current or Expected Orderbook or Pending Orders for Suryoday Small Finance Bank. The discussion primarily revolves around: - Customer credit behavior and NPA management. - Credit systems and risk scoring. - Co-lending partnerships and regulatory clarity. - Product updates such as OD product for inclusive finance. - Financial performance metrics like ROA guidance, credit costs, and recoveries. - Business strategy including CASA improvement, deposit growth, and branch expansions. - Macroeconomic and industry overview affecting the bank's operations. No explicit information on orderbook or pending orders is mentioned in the provided material.