Suryoday Small Finance Bank Limited Unlisted Shares

1.Dr. Mrs Sheela Bhide (Chairperson - Independent Director) Exp: Served as IAS officer with the Govt. of India for 36 years across Ministry of External Affairs, Ministry of Defence & Ministry of Corporate Affairs, Ex-Chairman and Managing Director, ITPO. 2. Mr R. Ramachandran (Independent Director) Exp: Over 35 years of experience in the banking industry. Ex-Chairman & Managing Director - Andhra Bank. Ex-Executive Director - Syndicate Bank, Ex-Director - SIDBI. 3. Mr Mrutyunjay Sahoo (Independent Director) Exp: Ex-Special Chief Secretary to the Government of Andhra Pradesh. Ex-Director as government nominee in Navratna and Miniratna PSUs. 4. Mr Jyotin Mehta (Independent Director) Exp: Finance and Compliance professional with over 36 years of experience. Ex-General Manager and Company Secretary of ICICI Bank Ltd. Retired Chief Internal Auditor of Voltas Limited. 5. Mr Arun Diaz (Nominee Director) Exp: An Entrepreneur / Consultant and also Trustee/Member of the Investment Committee of Aavishkaar Goodwell. Earlier he was Head of Reuters Consulting for South Asia and with Standard Chartered Bank for over 25 years in various positions. 6. Mr Venkatesh Natarajan (Nominee Director) Exp: Over 14 years of experience in product development and venture capital at Intel. Led several equity deals in design software, computing and wireless technology. Operational consultant to various MFIs in India. 7. Mr R. Baskar Babu (MD & CEO) Exp: MD & CEO of Suryoday Small Finance Bank Ltd. Over 25 years of experience in financial services. He has held leadership roles in Cholamandalam, HDFC Bank, GE Capital.

The company provides loans facility among following ways. A> Micro Finance  Microfinance loans are for financially excluded borrowers with a ticket size ranging between Rs. 10,000 to Rs. 40,000. These loans are primarily given to women borrowers in the joint liability format. These are templated products which are dependent on the parameterised credit review to ensure appropriate evaluation of the borrower and better health of the portfolio. Microfinance continued to be a significant portfolio for the Bank in FY 18 and will continue to remain for FY 19. B> Loan Against Property (LAP) & Housing Loan LAP is divided in M-LAP and LAP. M-LAP ranges from Rs. 1.5 lacs to Rs. 5 lacs and is collateral based lending primarily for business purpose. LAP is in the range of Rs. 10 lacs and upwards. Housing loans are given to salaried as well as credible self-employed borrowers including to financially excluded borrowers C> MSME loans – MSME loans are provided as unsecured loans to retail borrowers such as shopkeepers and grocers. These are templated products with the ticket sizes in the range of Rs. 1.5 lakhs to 5 lakhs. These are unsecured loans and backed by post-dated cheques. During the year, the Bank introduced a microloan for shopkeepers with a ticket size of approximately Rs. 1 Lakh including customers having a good track record with the Bank and are in the need for the higher loan amount. Accordingly, the Bank has segregated its sourcing strategy based on customer profile. Microloans with a ticket size of Rs. 1 lakh is sourced by inclusive finance cluster while retail asset cluster (non-inclusive finance) will source customers with ticket size upwards of Rs. 5 Lakh. Notably, the Bank has witnessed excellent portfolio quality for microloans with a ticket size of approximately Rs. 1 lakh. D> Commercial Vehicle Loans - The Bank introduced CV loans in later part of the year and includes primarily new commercial vehicles. The ticket sizes are in the range of Rs. 15 lakhs to Rs. 35 lakhs. The key focus will be to fund credible borrowers and to build a stable portfolio. E> Financial Intermediary Group (FIG) Loans  FIG loans are introduced for on-lending to NBFCs including microfinance companies. The Bank has separate vertical to focus on FIG lending having significant experience in lending to financial institutions. F> SME lending  The Bank has started lending to SME borrowers with excellent credit history. SME borrowers are primarily small and medium private and public limited companies, partnership firms etc. The Bank has centralised sourcing, credit underwriting and loan processing to keep strong control over the sourcing profile of the customer and portfolio monitoring.

Particulars	FY15	FY16	FY17	FY18
Advances	582	983	834	1596
Gross NPA	0.13	0.18	6.15	3.15
Revenue	180	225	255	325
PAT	19.9	27.14	15.1	10.1

1. The Bank's Networth as at March 2018 stood at Rs. 540 Crore including share subscription of Rs. 23 Crore by way preferential allotment and Rs. 3 Crore under employee stock options. 2. Net interest income has increased by 27.4%, while operating expenses increased by 27.2% primarily owing to an increase in the employee strength from 2173 to 2883 as at year end. 3. The Bank in FY 2017 and FY 2018 faced significant delinquency post announcement of demonetization in November 2016. GNPA of the Bank increased to more than 6% during the year which resulted in the provision of approximately Rs. 70 Crore as at March 2018 out of which the Bank has written off Rs. 43 Crore. Notably, the delinquency for loans disbursed from January 2017 is below 0.2% as at March 2018 hence the delinquency was primarily out of loans disbursed before January 2017.

1101, Sharda Terraces, Plot No. 65, Sector 11, CBD Belapur, Navi Mumbai 400 614 Tel: +91 91 22 40435800 Website: www.suryodaybank.com