Utkarsh Small Finance Bank Limited — PPTs, 14-02-2025: Investor Presentation

**Financial Highlights**: Utkarsh Small Finance Bank reported a total interest earned of ₹2,885 crore for the nine-month period ended December 31, 2024, reflecting a 26% increase year-on-year. Net Interest Income reached ₹1,611 crore, marking a 20% growth. Operating profit stood at ₹773 crore, with a profit after tax of ₹21 crore for the same period. The non-performing assets (NPAs) situation remains stable, with net NPAs at 2.5% as of December 2024.

**Strategic Initiatives and Growth Drivers**: The bank has successfully increased its gross loan portfolio by 16% year-on-year, capitalizing on its presence in rural and semi-urban markets. Retail term deposits surged by 41% YoY, indicative of successful customer acquisition strategies.

**Business Developments**: The bank expanded its branch network to 1,028 outlets across 26 states and union territories. There is a significant focus on tech-driven initiatives, including digital onboarding and enhanced customer engagement through diverse products and services.

**Market Position and Competitive Advantage**: With 41% of its loan portfolio in secured loans, Utkarsh maintains a robust position, attracting a diverse customer base. Its emphasis on financial inclusion and tailored products continues to strengthen its competitive advantage.

**Investor Implications**: The bank’s consistent growth in deposits and loan portfolios, coupled with manageable NPA levels, presents a positive outlook for potential investors. Strengthened capital reserves and a focus on technology and digital solutions could further enhance operational efficiencies and profitability.